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The State of Mobile Payment in China | Observer Intelligence
Welcome! Friday - Apr 19, 2019

The State of Mobile Payment in China

This is the 5th post of our “Online Payment in China Blog-post Series“.


So far we have discussed the Chinese e-commerce payment landscape, the unique characteristics of third-party payment tools and Cash-on-Delivery(COD), and best practices for online payment fulfillment.

As a firm, Observer Solutions believes strongly that 2014 is the year that Chinese e-commerce ‘goes mobile’. Mobile payment will undoubtedly be one of the hottest payment trends in China this year. So what’s the current status of mobile payment in China?

A brief overview of the development of mobile payments in China

alipay wallet

1. Overall, both Chinese consumers and businesses are still in the early stages of mobile payment adoption.

2. Mobile payments mostly (about 90%) involve mobile commerce, which is usually part of purchasing goods on users’ handsets and completing transactions via mobile internet. Major forms of mobile commerce payments includes paying through third-party payment providers’ mobile-end apps such as Alipay Wallet and Tenpay, paying by visiting payment webpages on mobile phones, and paying via text messages.

3. There is a wide range of possibilities for in-store point-of-sale (POS) mobile payment functionalities in China. In the short-term, apps already exist that use QR codes, sound wave and other technologies to allow Chinese consumers to make offline payments in brick-and-mortar stores (examples include: Alipay Wallet and WeChat). We expect these offline payment apps to be adopted quickly over the course of 2014 due to aggressive marketing efforts by Chinese internet giants like Alibaba and Tencent.

Click here to read more insights and data about digital payment in China.

We value your feedback. Do you have any questions about online payment in China? Click here to submit your questions and we will get back to you with the answers you want.

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