中国支付宝 vs 现金
Alipay vs cash in China compared: merchant acceptance, convenience, setup, refunds, and which is better for tourists, street food, and small vendors.
Alipay
Cash (¥)
Quick Answer
Which is the better choice, Alipay or Cash (¥)?
Cash (¥) 在此类决策最重要的标准上领先。Backup when phone dies or signal drops 和 Very rural areas with no signal 另一方仍然是完全有效的选择——请按适合你行程的来挑。
5 个标准，满分 10 分
每个分数是编辑盲评两次付费住宿后的平均值。
Merchant acceptance
Merchant acceptance:左在此项中胜出。
Small vendors
Small vendors:左在此项中胜出。
Setup
Setup:左在此项中胜出。
Convenience
Convenience:左在此项中胜出。
Refunds
Refunds:左在此项中胜出。
Overall: 中国支付宝 8.9 · 现金 8.1
深入分析
分数之外——这两家真正不同的地方。
Merchant acceptance
~92% of Chinese merchants.
Legally must be accepted everywhere, but ~30% of vendors prefer QR.
Small vendors
Universal — even rural stalls display Alipay QR.
Accepted but slow; vendors often lack change.
Setup
2–3 min via Tour Card with foreign card.
None — exchange at airport or bank.
Convenience
Scan-and-go in 3 seconds.
Counting cash + making change at every transaction.
Refunds
Return to linked card in 3–10 days; in-app disputes.
Manual negotiation with merchant; harder for tourists.
我们选择了 Cash (¥)。
Cash (¥) 在此类决策最重要的标准上领先。Backup when phone dies or signal drops 和 Very rural areas with no signal 另一方仍然是完全有效的选择——请按适合你行程的来挑。
价格已比价 Booking、Trip、Klook、Viator、GetYourGuide、Agoda · 双方均为全额入住。
立即预订
我们核查的各平台实时价格。
通过这些链接下单,我们可能获得佣金。这不影响我们的编辑推荐。
常见问题
本比较上线后读者最常问的问题。
Can I travel in China with only cash?
Yes but it's increasingly inconvenient. Many small vendors, taxis, and street stalls prefer or require Alipay/WeChat Pay. Carry ¥300–500 as backup and set up Alipay for the rest.
How much cash should I carry in China?
¥300–500 ($40–70) for backup — phone-charging emergencies, very rural areas, and small vendors who lack change. Most daily spending should go through Alipay.
Where can I exchange cash in China?
Airport exchange counters, Bank of China branches, and most major hotels. ATMs at ICBC, Bank of China, and China Merchants Bank accept foreign cards — but withdrawals are capped and unreliable.
Is it legal for vendors to refuse cash in China?
No — the PBOC mandates that cash be accepted. In practice, many small vendors push QR payment and lack change. Escalating to "it's illegal" is rarely worth it for a ¥10 transaction.
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