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Compare the Top Mobile Payment Apps in China as of February 2026

What are Mobile Payment Apps in China?

Mobile payment apps allow users to make payments, transfer money, and manage their finances directly from their smartphones or other mobile devices. These apps use secure technology, such as tokenization or biometric authentication, to ensure that transactions are safe and private. Mobile payment solutions can be used for in-person transactions via QR codes or near-field communication (NFC), as well as for online purchases and peer-to-peer money transfers. Popular features often include bill payments, money transfers, loyalty rewards, and transaction history tracking. Mobile payment apps are increasingly popular due to their convenience, security, and ability to facilitate faster transactions, making them essential tools for consumers and businesses alike. Compare and read user reviews of the best Mobile Payment apps in China currently available using the table below. This list is updated regularly.

  • 1
    Blockonomics

    Blockonomics

    Blockonomics

    Blockonomics enables online stores to accept bitcoin payments on their website. The payments go directly to your BTC wallet making it completely decentralized. There is no KYC involved and no limitation on the BTC amount that can be received. The entire setup takes less than 5 minutes and you get a beautiful checkout experience with the payment screen that integrates with your website's theme, additionally, there are no redirects to an external page to complete the checkout. Plugins are available for all major website builders and payment API for custom websites. Blockonomics also offer payment buttons that can be embedded on any custom website and payment links that are easily shared online. Additional services include bitcoin invoices and block explorer. There are a variety of tutorials available to get you started plus a 24 X 7 live support. Blockonomics charges a nominal fee of 1% for all transactions with the first 20 transactions free. Download the free plugin now.
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    Starting Price: 20 Free Transactions + 1% Fee
  • 2
    Cash App

    Cash App

    Block, Inc.

    The Cash App lets you easily send or receive payments to anyone via a simple mobile application. The Cash App also lets you buy Bitcoin, and the Cash App works without a bank account. Send and receive money anytime, anywhere. It’s fast and free, and a $cashtag is all you need to get started. With a Cash App account, you can receive paychecks up to 2 days early. Get 3 free ATM withdrawals per month when you have at least $300 coming in each month. Whether you’re just getting started or already a pro, Cash App makes it easy to invest in stocks and bitcoin. Cash App uses advanced security features to protect millions of people and payments each year. From verification locks to data encryption, we take steps to make sure your money and information are safe.
  • 3
    Strike

    Strike

    Strike

    A more connected financial world. Send money instantly, with no added fees, anywhere in the world. Send and receive instant and secure borderless payments from your fingertips, with no added fees. Strike offers the easiest way to buy bitcoin. Skip fees and stack sats, the right way. Put the power of your money back into your pocket. Convert your paycheck to bitcoin with no added fees. We work directly with popular brands to bring you savings on thousands of products. Earn up to 15% cash back on the things you buy every day.
  • 4
    Airtm

    Airtm

    Airtm

    Protect your money in digital dollars without losing value from unstable currencies or possible devaluations. Send and receive money anywhere, faster than a bank transfer and with free market rates. Get paid from freelancer platforms or directly from clients. Convert your money stuck in e-wallets to cash in your bank. Keep your digital dollars with you at all times. Make in person purchases for local goods and services. Exchange your dollars for cryptocurrencies. Add and withdraw using your bank account, debit card, BTC, ETH and more. Send money across borders at real exchange rates without restrictions. Escrowed transactions and verified experienced peers. Our support team and peer network at your service. Escrowed transactions and verified experienced peers. Send money across borders at real exchange rates without restrictions. We are regulated in the United States by FinCEN. We have all the security protocols. The best part: your account has no maintenance fees.
  • 5
    Sentz

    Sentz

    Sentz

    Sentz is a global digital wallet that allows users to send, receive, save, and earn money instantly using stablecoins. It enables users to hold and transact in eUSD, a stablecoin designed to maintain a 1:1 value with the US dollar. With Sentz, users can send and receive money globally in seconds using just a phone number, without needing a traditional bank account. The platform offers low transaction fees, helping users keep more of their money. Sentz Earn allows users to grow their balance by earning up to 8% annually with no lockups and full control over their funds. Funds can be deposited or withdrawn via local banks or USDT and USDC. Built with end-to-end encryption, Sentz prioritizes privacy, security, and ease of use.
    Starting Price: Free
  • 6
    Coins.ph

    Coins.ph

    Coins.ph

    Coins.ph delivers financial services over mobile to the 300+ million people in Southeast Asia who are currently unserved by traditional banks. Our platform runs on Blockchain technology and is built on top of existing retail infrastructure (30,000+ cash-in/cash-out locations), cutting down on one of the biggest cost components of retail banking. Pay bills, buy load, buy digital currencies and send money, even without a bank account! We're a fast-growing startup looking for passionate, motivated, and exceptional people to join us in doing work that matters. Coins is a Southeast Asian fintech company that enables anyone, including those without a bank account, to easily access financial services directly from their phone. The company has also built one of the country’s largest cash distribution networks, operating through over 33,000 partner locations domestically and over 500,000 locations worldwide.
  • 7
    Bakkt

    Bakkt

    Bakkt

    Bakkt is a digital asset platform that enables individuals and businesses to buy, sell, and manage a wide range of digital assets, from cryptocurrencies to loyalty points. Founded in 2018 by Intercontinental Exchange (ICE), Bakkt initially focused on institutional cryptocurrency trading and secure storage solutions. Over time, it expanded its services to support a broader vision of digital asset accessibility, providing a platform that bridges digital currencies and traditional financial systems. Bakkt’s offerings include a mobile app for consumers, enabling them to manage digital assets, convert points and rewards into cash, and make everyday purchases using cryptocurrencies. The platform also facilitates business solutions by enabling companies to integrate digital asset options into their products and services, enhancing customer engagement and loyalty. Bakkt aims to simplify the digital asset ecosystem and drive mainstream adoption through secure, and regulated solution.
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