It's not yet solved for people living in Hong Kong, as they aren't allowed to use the international version of these apps with an HK phone number. There are Ali

It's not yet solved for people living in Hong Kong, as they aren't allowed to use the international version of these apps with an HK phone number. There are AlipayHk and WeChat Pay HK, but those only work with merchants that specially allow payments from HK wallets, which is not a lot of them. Still have to rely on cash and credit card, or set up a Chinese bank account and get the Chinese version of Alipay/WeChat Pay.