在中国能用 Venmo、Zelle 或 PayPal 吗？

Venmo and Zelle are closed US-only networks. They move money between American bank accounts and never had any merchant presence in China — there is simply no one on the other end to receive a Venmo or Zelle payment. They also depend on a US phone number and bank, and won't behave normally on a Chinese network.

PayPal technically operates in China through a local entity, but almost no consumer-facing shop, restaurant, or taxi accepts it. As a traveler, you can treat PayPal as unavailable for in-person spending.

China runs on two QR-code payment apps: Alipay and WeChat Pay. Between them they cover nearly every transaction — street food, taxis, the metro, convenience stores, museums. Both now let you link a foreign Visa or Mastercard directly, charging a small foreign-transaction fee.

Set this up at home on WiFi before you fly. The card-verification step is much smoother before you land, and once it's done you scan to pay everywhere without touching cash.

That's a different problem from spending on a trip. To send money to a person or business in China, a service like Wise or an international bank wire is the usual route — not Venmo or Zelle, which can't reach a Chinese account at all. For a tourist who just needs to pay for things, you won't need any of this.