Cash, card, app. There's a lot of ways to ride the metro or the bus these days. Add to that: Apple Pay. Even though not as many people use it in mainland China as Apple might like (estimated at about 3% of iPhone users — trombone fail noise), its few fans are loyal. If you're among them, but don't know how to link ApplePay and the Shanghai Metro network just yet, this is for you.
When it comes to general money moving, Alibaba and Tencent are far superior. But to use the metro with Alipay isn't as easy as it could be, and you need a separate app (Metro Da Du Hui). Da Du Hui can't even be linked with WeChat, so in 2018 Apple Pay seized its opportunity and partnered up with UnionPay and the Shanghai and Beijing public transport systems, cutting down on the number of apps needed to ride the bus or subway in these cities.
Unfortunately, the partnership with UnionPay means that you will not be able to set this up with an international credit or debit card like VISA, Mastercard or American Express, effectively putting this off limits for tourists and short-term visitors who don't have a Chinese bank account.
The Set Up
First, you’ll need an iPhone 6, 6 Plus, or newer, with iOS 11.3 or later installed. Set your region to mainland China. An app is already installed for Apple Pay Wallet on most iPhones’ home pages. Otherwise, find it in Settings.
Next, register a credit or debit card. Only UnionPay cards work, so if you don’t have one of these, stop reading now and go set up a bank account (a task in itself). You will see that Beijing Transit Card and Shanghai Transit Card are already in the app, but first, you’ll need to click on payment cards.
To register the card, Apple Pay uses the camera to read it. After this is done and your card has been accepted, you’ll receive a verification code to your email or phone number.
You should now have a registered UnionPay card in your Apple Pay wallet.
Back to the Metro; the last bit is super easy. Do what you did before when adding a card, but this time select the Shanghai Transit Card. Choose how much you want to add, and boom. The card will be added to your Apple Pay wallet.
If you have an Apple Watch, you’ll need Series 1, 2, or later that is paired with your iPhone 6, 6 Plus, or later and has WatchOS 4.3 or later. Open the Watch app on your iPhone, then swipe up and tap Wallet & Apple Pay. Tap add a card, then continues, then add your Shanghai Transit Card. Use the same instructions for adding a UnionPay card as you would for your iPhone, and you’re good to go.
