Best Ways to Pay When Buying from China Stores

If you're shopping from Chinese e-commerce platforms like Alibaba, Taobao, or even TikTok Shop, one question always comes up: what’s the best way to pay? As someone who’s helped hundreds of cross-border buyers and worked with suppliers across Shenzhen and Guangzhou, I’ve seen it all — from failed PayPal disputes to seamless Alipay transactions. Let me break down the top payment methods that actually work, based on real-world reliability, buyer protection, and ease of use.

1. PayPal (Great for Protection, But Limited Acceptance)

PayPal is still a go-to for many international buyers because of its strong dispute resolution system. However, only about 38% of Chinese merchants accept PayPal directly (based on a 2023 survey by Cross-Border Commerce Center). The bigger issue? Many sellers avoid it due to high chargeback fees.

2. Credit/Debit Cards via Escrow Services

Using your Visa or Mastercard through platforms like AliExpress or DHgate offers solid middle-ground security. These sites act as escrow — they hold your money until you confirm delivery. In 2024, over 62% of global buyers used cards this way when purchasing from China.

3. Alipay & WeChat Pay (Local Giants, Global Access Growing)

These dominate China’s domestic market, handling over 85% of all mobile payments. While foreign tourists can link international cards, most online stores don’t accept direct transfers unless you’re inside their ecosystem. Pro tip: Use Alipay Tour Pass to preload funds with your card — now supported on Taobao for select items.

4. Bank Transfer (T/T) – Best for Bulk Orders

For B2B purchases, especially over $1,000, wire transfer is standard. It’s fast and low-fee, but risky without a contract. Always split into 30% deposit + 70% before shipment. According to customs data, 74% of wholesale imports from China use T/T.

Quick Comparison Table

Final Tips

• Never pay full amount upfront via T/T.
• Use credit cards on marketplaces for chargeback rights.
• Enable two-factor authentication when linking cards to Alipay.
• Always request an invoice and tracking info.

In short, the safest route depends on order size and trust level. For everyday shoppers, stick to credit cards on trusted platforms. For serious sourcing, combine partial T/T with third-party inspections. Stay smart, pay safe!