← HomeFees & Limits
For foreign cards in tourist mode. Last verified October 2026.
Service fees
| Transactions under ¥200 | Free |
| Transactions over ¥2003% on the entire amount — e.g. ¥250 → ¥7.50 fee | ~3% of total |
| P2P transfers to individuals | Not available |
| Red packets (hongbao) | Not available |
Transaction limits (verified accounts)
| Limit | Alipay | WeChat Pay |
|---|
| Single transaction | ~¥3,000 | ~¥6,500 |
| Monthly limit | ~¥50,000 | ~¥50,000 |
| Annual top-up limit | ¥60,000 | ¥65,000 |
Merchant QR vs Personal QR
| Merchant QR | Personal QR |
|---|
| Foreign card (tourist mode) | ✓ Works | ✗ Usually fails |
| Available at | Shops, restaurants, transit | Individual people |
Note: Fee policies can change. The free-under-¥200 rule has been in place since late 2023. Always check the Alipay or WeChat app's own fee disclosure for current terms.