Set up payments before you fly
Mobile payments are widespread, but one method should never be your only method. Prepare a primary wallet, a backup card and some RMB cash.
- Install your chosen payment app and complete identity checks while you still have reliable access to your home bank.
- Tell the issuing bank you will travel and test that app verification messages reach your number.
- Keep a modest cash fallback for small vendors, transport or an app outage.
Supported cards, limits, fees and verification flows change. Recheck the app’s own terms and the latest official visitor guide shortly before departure.