It’s well known that digital currency is super common in China. The foreigner trying to pay in paper cash money is the extreme outlier. Everybody else just tap-tap with their phones for absolutely everything. It’s like paying for everything with credit cards, but with no fees - you add money from your bank account, and with way more surveillance. As someone who has used WeChat Pay And AliPay extensively for many weeks over the years, the system is fabulously convenient.
Unless you are a foreign tourist. The two main payment platforms cannot be bound to foreign bank accounts. Nor can foreigners open local bank accounts without some sort of residency proof. Tourists’ only option is to bind their foreign credit cards, which works just fine with official merchant accounts. However, the small mom and pop shops typically carry personal WeChat Pay and AliPay accounts. Even some taxi drivers carry personal accounts. Those accounts cannot accept payment from foreign credit cards. It’s paper currency for you.
And while official law is merchants must accept cash, in practice it’s hugely inconvenient for the cash user. At pay-before-you-eat restaurants, you might be served after people who are paying with mobile. Not because of overt discrimination per se, but because the cashier has to dig up the tiller from the back. Because you might be the only cash transaction for the store for that entire day. Paying for taxi with cash? Don’t expect change in return. There’s a solid chance the driver won’t carry enough amount and variety of bills.
The ultimate flex as a foreigner is to have a local person transfer money to your account. Word on the street is many a hotel front desk person has done this. Foreigners give them cash, they transfer digital money from their WeChat or AliPay account. No restrictions, no messing around with foreign credit cards. This is how I’ve done it when I do my yearly travel to China, and it’s fantastic. A truly cash-less society is one I can get behind, because it’s cleaner, too. Currency bills are notoriously dirty. No thank you.
Boaty McBoatFace.