Short answer
Sometimes, but not reliably. Mobile payment (Alipay or WeChat Pay) linked to a foreign card is the best option. Carry some cash as a backup.
Mobile payment
Alipay and WeChat Pay are the standard in China. Both allow foreign cards to be linked, though verification can take time. Set this up before you travel if possible. Many small vendors accept only mobile payment.
The payments guide explains the setup and the limits. A phone with a working payment app is more useful than a wallet full of cards.
Cards and cash
Visa and Mastercard are accepted at some hotels, international chains, and larger restaurants, but not at most small businesses. ATMs are available, but foreign card support varies. Carry some cash for taxis, markets, and emergencies.
Chinese yuan is the only currency you need. Do not rely on exchanging money at the airport; rates are poor. The budget guide explains costs.
If a payment fails
Ask if the vendor accepts cash, or find an ATM. Hotel front desks can sometimes help with payment. Keep a backup card and a small amount of cash separate from your main wallet.
The arrival guide explains what to set up at the airport. The internet guide covers the data you need for payment apps.
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