What Is Alipay?
Alipay is one of China’s most popular digital payment platforms, owned by Ant Group, an affiliate of Alibaba Group. Launched in 2004, Alipay has revolutionized how people in China make transactions, replacing cash and credit cards in many everyday scenarios. It functions as a mobile wallet, allowing users to pay for goods and services, transfer money, and even manage financial investments.
Unlike traditional banking apps, Alipay integrates a vast ecosystem of services, including online shopping, bill payments, public transportation, food delivery, and even social features like splitting bills with friends. With its QR code-based payment system, Alipay has become the dominant payment method in China, used in shopping malls, restaurants, street vendors, taxis, and more.
How Can Foreigners Use Alipay?
Foreigners visiting China can now use Alipay without a Chinese bank account, thanks to the introduction of “Tour Pass,” a feature designed for short-term visitors. Here’s a step-by-step guide on how foreigners can set up and use Alipay:
- Download Alipay – Alipay is available on both iOS and Android. You can download it from the App Store or Google Play before arriving in China.
- Register an Account – Sign up using your mobile number. Foreign numbers are accepted.
- Activate Tour Pass – This feature allows foreigners to link an international bank card (Visa, Mastercard, JCB, Discover, or Diners Club) and load funds into a temporary prepaid balance.
- Add Money to the Wallet – You can transfer money from your foreign credit or debit card to the Tour Pass wallet to make payments in China.
- Make Payments – Simply scan QR codes at stores, restaurants, taxis, and other vendors. You can also send money to other Alipay users.
Tour Pass is valid for 90 days, after which the remaining balance is refunded. If you are staying in China long-term, setting up a local bank account and linking it to Alipay is a more convenient option.
Is Alipay Safe?
Alipay is considered one of the safest digital payment platforms, incorporating multiple layers of security, including:
- Encryption and Data Protection – Alipay encrypts user data and transactions to prevent unauthorized access.
- Facial Recognition and Fingerprint Authentication – Many devices support biometric authentication, ensuring that only the authorized user can access the account.
- Transaction Limits and Alerts – Users can set spending limits and receive real-time notifications for every transaction.
- Fraud Protection – In cases of unauthorized transactions, Alipay provides refund mechanisms and customer support to resolve issues.
Despite these security measures, users should follow best practices, such as avoiding public Wi-Fi when making payments, setting strong passwords, and enabling two-factor authentication.
Should I Download Alipay Before Going to China?
Yes, it is highly recommended to download and set up Alipay before traveling to China. Here’s why:
- Convenience – Cash is rarely used in China, and many businesses no longer accept foreign credit cards. Having Alipay ready ensures a smooth experience for transactions.
- Easy Transportation – Many public transport services, such as metro and buses, accept only mobile payments like Alipay.
- Emergency Payments – In case you need to pay for urgent services like taxis or medical assistance, having Alipay pre-installed can be a lifesaver.
- Quick Registration – Setting up Alipay before your trip gives you time to understand its features and avoid last-minute issues.
Final Thoughts
Alipay is an essential tool for anyone traveling to China, providing a seamless, cashless payment experience. With the introduction of Tour Pass, foreigners can now use Alipay without a Chinese bank account, making it easier to navigate the country’s digital economy. While Alipay is secure and widely accepted, travelers should always be mindful of their digital security practices. By downloading and setting up Alipay before your trip, you ensure a hassle-free experience in China’s fast-paced, cashless society.