Chinese Payments the Easier WayĪppInChina does all of the above on your behalf, for both WeChat Pay and Alipay. You will need to find an experienced tax specialist to do this for you. In addition to the standard Alipay fees, you will also need to find a way to pay the 10% withholding tax to the Chinese tax authorities. Once all this is set up, your developers must use the Alipay SDK and your own backend and frontend systems to integrate payments into your app. That entity must open a bank account with a Chinese bank, and then apply for a developer account with Alipay.Īfter your developer’s account is approved, you must apply for an app ID from Alipay which gives your app a unique ID number. You will need to be a Chinese company (or otherwise have a company entity in China). How to Integrate Alipay on your Mobile App In addition to the standard WeChat Pay fees, you will also need to find a way to pay the 10% withholding tax to the Chinese tax authorities. Once all this is set up, your developers must use the WeChat Pay SDK and your own backend and frontend systems to integrate payments into your app. ![]() ![]() Then you must apply for the WeChat Pay function so you can begin to accept payments. That entity must open a bank account with a Chinese bank, and then apply for a developer account with WeChat Pay.Īfter your developer’s account is approved, you must apply for an app ID from WeChat Pay, which gives your app a unique ID number. How to Integrate WeChat Pay on your Mobile App In our experience, we’ve seen more users opt for WeChat Pay payment when given the choice. The process for setting up payments with each company is essentially the same.īut if you had to choose only one for some reason, we lean towards WeChat. We highly recommend both, because Chinese consumers use both and have their own preferences for various reasons. No other payment solutions are necessary in Mainland China. So to accept in-app payments, your app should be integrated with either WeChat Pay or Alipay, and preferably both. When a user wants to use an app to make a purchase, the app “links” to the user’s WeChat Pay and/or Alipay app on their phone, and can deduct money from their account with a simple authentication method through the device (password, fingerprint, facial recognition, etc). Mobile payments through apps are done through integrations with WeChat Pay and Alipay on the apps themselves. People can also transfer money to each other by scanning each other’s QR codes on their phones.Įven for payments on websites, the website will usually present a QR code for the user to scan with the WeChat Pay or Alipay app on their phone for authentication. Paying at physical stores is done through either scanning a QR code at the store or presenting the user’s QR code for stores to scan themselves. The Chinese government is also introducing its own digital currency to speed up the process of getting rid of cash altogether.Ĭurrently, Chinese consumers use WeChat Pay and Alipay in two basic ways: Because of the ease of use and the rapid, widespread adoption of mobile devices, cash transactions are increasingly becoming more rare in China – and in many cases are impossible. ![]() Mainland Chinese citizens overwhelmingly use two mobile payment solutions in their day-to-day lives: WeChat Pay and Alipay. Mobile payments such as Apple Pay and Samsung Pay are hot, but many consumers still prefer cash (TechRepublic)Ī recent poll revealed that serious cybersecurity concerns are at the root of consumers' confidence in mobile-only payments.The Mobile Payments Landscape in Mainland ChinaĬredit/Debit cards are not common in Mainland China, and most Western e-payment services – such as PayPal, Square, Google Pay, and Apple Pay – are either not available to Chinese consumers or not widely adopted. Western tech companies have established themselves in the consciousness of the Chinese public. Western tech brands are recognized in China, but their products are rarely used The record number came after the Chinese technology giant announced last month that daily active users of its popular WeChat service exceeded 1 billion. ![]() Over 800 million WeChat users sent digital monetary gifts during Lunar New Year Previously available only to consumers with a Chinese bank account and local mobile number, Alibaba's e-wallet now can be used by short-term visitors to mainland China over a period of 90 days.Ĭhina has 'no timetable' for digital currency launch: People's Bank of China governorĮarlier remarks from a Chinese central bank official had indicated that China was ready to launch its own digital currency. Alipay open to foreign visitors for first time
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