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All my transactions worked as expected, so I can’t verify if/how they assist if the swap doesn’t pay out.

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Free credits expire after two weeks, but if you time everything correctly, you’ll probably get enough free swaps to cover your entire trip.

All the money in your We Chat Wallet is stored as a balance and can be used for payment throughout China.

When you first login to your account, you’ll only notice screens for messaging and contacts — nothing at all that looks like a payment service.

At the top of your screen, click on the magnifying glass and search for wallet. It will say that you need to add a Chinese bank card, but in my experience, you can also add international Visa or Eurocard credit cards.

There are two ways to trade money: Once you select a swap amount, you’ll be directed to choose whether you are going to send USD through Paypal or Zelle and if you’d like to receive CNY via We Chat or Alipay.

Then, Swapsy will tell you who to send the money to (e.g.

You’ll also need to link your finance accounts (Paypal, We Chat, etc.) to Swapsy.

Once your account is verified, you can enter the marketplace.

**You do not need to live in the United States to use Swapsy, but you do need to send USD, which means you may encounter Paypal currency fees if your account is normally in euros, pounds, or any other currency other than dollars.** And before you ask me to clarify, yes, you are sending money to a stranger.

There is an inherent amount of trust that goes into this, though Swapsy supposedly guarantees the swap.

Walking through how to add a foreign credit card to We Chat is as simple as typing in your card number and billing address, though be aware you might get a “busy message” and have to try 2-3 times.

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