Home Mobile Cashless in China: How to pay using Touch ‘n Go eWallet and Alipay in mainland China

Cashless in China: How to pay using Touch ‘n Go eWallet and Alipay in mainland China

by Maine Bacos

If you’re planning to travel to mainland China from Malaysia, you need to be prepared for the different payment landscape in the country. Unlike other destinations where credit cards and cash are widely accepted, China has embraced QR code payments as the primary mode of payment. This means that you need to familiarize yourself with QR code payment methods such as Touch ‘n Go eWallet and Alipay.

Touch ‘n Go eWallet, in partnership with Alipay+, is among the 10 supported foreign wallets accepted in mainland China. This means that you can use Touch ‘n Go eWallet to make cashless payments at over 10 million Alipay merchants in the country. What’s great about using Touch ‘n Go eWallet is that you don’t need to worry about currency conversion, as your payments will utilize your eWallet balance in Malaysian Ringgit (MYR).

To use Touch ‘n Go eWallet in China, you have two options: Scan QR Code or Display QR Code.

If a merchant displays a QR code, you can follow these steps:

1. Launch the Touch ‘n Go eWallet app and tap on ‘Scan’. Scan the QR code displayed by the merchant.
2. The app will load a page in Chinese where you need to enter the amount in Chinese Yuan (CNY), China’s local currency.
3. Tap submit and if prompted to select payment options, choose Alipay.
4. The app will redirect to Touch ‘n Go eWallet’s confirmation page showing the amount in both MYR and CNY, along with the currency exchange rate.
5. Enter your Touch ‘n Go eWallet’s 6-digit security pin to confirm the transaction.
6. The transaction is complete.

If the merchant has their own QR scanner and scans your QR code instead, follow these steps:

1. Launch the Touch ‘n Go eWallet app and tap on ‘Pay’. Show your QR code to the merchant.
2. The transaction is complete.

At the end of the transaction, your Touch ‘n Go eWallet app will show the amount paid in both MYR and CNY, as well as the current exchange rate used.

Alternatively, if you prefer to use your credit, debit, or prepaid card instead of Touch ‘n Go eWallet, you can use the Alipay app. With the Alipay app, you can bind your card to your Alipay account and it will charge the card on a per transaction basis. You can register using your Malaysian mobile number and add your cards under accounts. You can add multiple accounts in Alipay and choose which card to use for payments.

Using Alipay in China is similar to using Touch ‘n Go eWallet. You can either scan the merchant’s QR code or show your QR code to the merchant for a cashless transaction. If you have multiple cards saved, you can select your preferred card to pay. However, unlike Touch ‘n Go eWallet, you won’t be able to see the MYR transaction amount in the Alipay app. You can refer to your bank’s or prepaid card app for transaction details, including the currency exchange rate.

It’s worth noting that using the Alipay app may incur transaction fees, so it’s essential to be aware of any applicable fees. To have better control and competitive CNY-MYR rates, it is recommended to bind a travel-focused prepaid card. Additionally, one advantage of using the Alipay app is access to mini-programs for various digital services, such as eHailing, bike sharing, and virtual metro cards for public transportation.

In conclusion, if you’re a Malaysian planning a trip to China, it’s crucial to understand the payment landscape. QR code payments are the primary mode of payment in mainland China, and you can use Touch ‘n Go eWallet or the Alipay app to make cashless transactions. Make sure to familiarize yourself with the specific payment methods and follow the steps provided to ensure a smooth payment experience in China.

You may also like