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The World's Largest Digital Wallet Economy
China is one of the world's most advanced digital payment markets, with mobile wallets dominating both online and in-store commerce. In 2025, digital wallets account for approximately 89% of e-commerce and 87% of POS transaction value, making China one of the world's least card-dependent payment ecosystems.
Alipay and WeChat Pay dominate consumer payments, while UnionPay remains the country's domestic card scheme. Chinese consumers expect QR code payments and wallet-based checkout across virtually every retail category.
Through one API, 8B provides access to Alipay, WeChat Pay and other Chinese payment methods, with settlements, FX and reporting managed through a single integration.
Cross-Border Payment Infrastructure for Global Growth
Local Payment Infrastructure
Connect to local payment methods, bank transfers and digital wallets through a single API. Expand into new markets faster with regulated cross-border payment infrastructure.
Payments & Payouts
Accept customer payments, automate partner payouts and simplify global money movement through regulated fintech infrastructure.
Industries We Support
Supporting e-commerce, travel, gaming, marketplaces, financial institutions, PSPs and fintech companies expanding into new markets.
One API
Launch new markets faster without building separate local payment integrations. Reduce operational complexity while improving payment acceptance and customer experience.
Expand into new markets with regulated cross-border payment infrastructure. 8B connects businesses to local payment methods, national QR networks, bank transfers and digital wallets through a single API, helping businesses launch faster while reducing integration complexity.
Offer customers the payment methods they already know and trust.
Supported Payment Methods
Alipay is one of the world’s largest digital wallet platforms, operated by Ant Group. It enables consumers to make online, in-store and cross-border payments, transfer money, pay bills and access a wide range of financial services through a single mobile application. Widely accepted across China and increasingly available internationally, Alipay has become a core payment method for domestic commerce, inbound tourism, e-commerce and digital services.
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Reasons for Popularity
Alipay is a “superapp” with features such as ridesharing, travel booking, bill pay, medical appointments, and more
Accepted by more than 80 million merchants and supported in 27 currencies, Alipay has a dominant presence both within China and internationally
Through the Alipay+ network, it supports payments across Asia, Europe, and other regions, making it popular for both local users and international travelers
WeChat Pay is a major Chinese digital wallet embedded inside the WeChat super app, operated by Tencent. It enables users to make in-app, online, in-store and QR code payments, transfer money and access merchant services through one of China’s largest consumer ecosystems. WeChat Pay is especially important for Chinese domestic commerce and outbound tourism, where users expect to pay through familiar mobile wallet flows.
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Reasons for Popularity
Seamless Integration: WeChat Pay is embedded within the WeChat app, allowing users to make payments without switching platforms. This convenience encourages frequent use as users can easily send money, pay bills, and shop online all within one app
Comprehensive Ecosystem: Beyond payments, WeChat offers a variety of services such as messaging, social networking, and mini-programs, creating a one-stop platform that fosters user engagement and retention. This multifaceted approach keeps users within the ecosystem for various needs
WeChat Pay has expanded its services to support cross-border payments, allowing Chinese tourists to use the service in various international locations (Malaysia, Indonesia, Japan and others). WeChat Pay is accepted by a vast network of merchants, from street vendors to major retailers, both online and offline
Built for Developers
Modern APIs, clean documentation and rapid integration.
Built for Finance Teams
Automated reconciliation, transparent reporting and streamlined settlements.
Built for Customers
Trusted local payment methods, smooth checkout journeys and fewer abandoned carts.
