Payment methods in China


Alibaba is the largest e-commerce ecosystem in China.

Alipay is their own version of an e-wallet and is currently one of the most prominent payment methods for Chinese consumers to pay in real-time on desktop or mobile.

Key features:

  • Multiple payment flows (PC browser, mobile browser, and
  • Price in CNY, report in EUR
  • No local entity required
  • No chargebacks
  • Multiple partial refunds
  • Reporting and reconciliation
  • Data analysis tools
  • Authorisation currencies: CNY, AUD, CAD, EUR, HKD, GBP, SGD, and USD
Learn more about Alipay ›

China’s most popular messaging app is also a service and social media hub.

The WeChat platform provides a fully integrated experience, including gaming, shopping, and payments.

Versatile coverage has allowed WeChat Pay to become engrained in the daily lives of one billion Chinese consumers. WeChat Pay works like an e-wallet on mobile phones and can even be used for offline point-of-sale payments, such as taxis, stores, and street vendors.

Key features:

  • Multiple payment flows (PC browser, mobile browser, in-app, and WeChat mini-programs)
  • No local entity required
  • No chargeback risk
  • Authorisation currency: CNY

Learn more about WeChat Pay ›

Now present in 170 countries, UnionPay is the largest card payment organisation in the world.

Worldline supports both UnionPay International and China UnionPay, the preferred payment method of choice for local payments through UnionPay.

UnionPay plays a vital role as it aggregates multiple payment methods, such as card payments and online/mobile banking. In fact, some UnionPay credit cards are also affiliated with American Express, MasterCard, or Visa, and can be used abroad.

Key features:

  • Real-time authorisation
  • Secure payments
  • Fast settlement cycle
  • International acceptance
  • Recurring payments
  • No local entity required
  • Authorisation currencies: CNY + 140 other currencies
Learn more about UnionPay ›

Processing tuition payments for Chinese students studying abroad has its unique challenges.

So we’ve teamed up with GeoSwift — an expert in cross-border payments with China — to offer a specialised service for educational institutions.

Our partnership allows us to collect funds in China in CNY, handle all the required reporting and paperwork, and repatriate them for you. It means you receive payment in your local currency into your local bank account at a competitive exchange rate.

Key features:

  • Remittance and reconciliation
  • Repatriation of funds
  • Reporting to Chinese State Administration of Foreign Exchange (SAFE)

Digital Landscape

Online on
the rise

Overall, 57% of Chinese consumers are connected to the internet. This rises to as much as 70-80% in large cities. With more than 800 million people connected, China is home to over a quarter of all internet users on the planet — and growing by over 41 million a year.

mobile always

Chinese consumers are almost exclusively mobile. 98% of users access the internet on smartphones and tablets, meaning mobile optimisation is critical to provide the best possible consumer experience. Worldline’s checkout flows and hosted pages are designed to let the mobile experience shine.

Leading the way
in e-commerce

The country that first introduced the world to banknotes is now setting the pace in going cashless. As a relative latecomer to the market, they have been able to leapfrog bricks-and-mortar and bypass legacy payment systems. Advanced mobile payments offer a seamless experience both online and in-store.

Key Business Sectors

Online retailers tend to go for an exclusive deal with either Alipay or WeChat Pay. We connect you to both, including payments in WeChat mini-programmes. We offer like-for-like processing so that you can price and accept payment in CNY.

In travel, WeChat mini-programmes are a common way to communicate offers and make sales. And, unlike other payment providers, Worldline actually supports mini-programmes. Like-for-like pricing and processing in CNY give local consumers transparency and confidence.

We provide in-app flows and support mini-programmes in WeChat, alongside mobile-optimised payment pages for other methods. They all work seamlessly with in-app flows on mobile, exactly how 98% of local consumers interact with merchants.

Unlock the power of online payments

Contact our experts today.

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