Payment in China
Complete guide to paying with foreign cards and mobile payments in China for medical tourists
Why You Need This Guide
Many international patients arrive in China unsure about how to pay for medical services. Unlike in Western countries, cash and card payments are not always accepted everywhere, and mobile payment apps like Alipay and WeChat Pay have become the dominant payment methods — even for tourists.
This official guide from the Payment & Clearing Association of China (PCAC) explains everything you need to know about making payments during your medical trip, from hospital bills to daily expenses.
Payment Methods in China
Foreign Debit & Credit Cards
Visa, Mastercard, American Express, and UnionPay cards are widely accepted at hotels, large hospitals, and international clinics in major cities.
Mobile Payments (Alipay & WeChat Pay)
Link your foreign card to Alipay or WeChat Pay for convenient payments at most merchants. Supported in Beijing, Shanghai, Guangzhou, Shenzhen, and most tourist areas.
Bank Transfers & ATM
China's major banks (ICBC, ABC, BOC, CCB) accept foreign cards at their ATMs for cash withdrawals and counter services.
Safety & Security
China's payment systems are highly secure. Use bank-sponsored cards with fraud protection for peace of mind during your medical trip.
Quick Tips for Medical Tourists
💳 Card Acceptance
Large hospitals in Beijing, Shanghai, and Guangzhou typically accept international cards. Smaller clinics may prefer cash or mobile payments.
📱 Mobile Payment Setup
Download Alipay and WeChat before arrival. You can link international cards in the app — no Chinese bank account needed.
💰 Currency Exchange
Exchange currency at airport banks, hotels, or Alipay's built-in exchange service. Hospital billing is typically in Chinese Yuan (RMB).
🏥 Hospital Payment
Most hospitals require payment at the time of service. Keep your payment receipts for insurance reimbursement purposes.