MundoKit

China foreign card payment fee calculator

Enter purchases made with a foreign card linked to Alipay or Weixin Pay. Compare the editable fee schedule with app-confirmed charges and estimate the total in your home currency.

Inputs
Up to 100 purchases. In custom-fee mode, write amount | actual platform fee, e.g. 1000 | 0. That overrides the schedule for that purchase only.
CNY
The example schedule charges only when a single payment exceeds this amount.
%
Applied to the whole purchase, not just the amount above the threshold.
Replace 1 with your card’s conversion rate. All home-currency results use this rate; no live rate is fetched.
%
Modelled on purchase plus platform fee after conversion. Check your issuer’s actual fee base.
home currency

Results

Estimated total in home-currency units
1,437.03
Platform fees
CNY 36.03
Issuer fees in home-currency units
0.00
Combined fees in home-currency units
36.03
Platform fees under example schedule
CNY 36.03
Each purchase is checked separately; display rounded to two decimals
Purchase CNYPlatform fee CNYFee basisIssuer fee (home)Total (home)
200.000.00Editable schedule0.00200.00
201.006.03Editable schedule0.00207.03
1,000.0030.00Editable schedule0.001,030.00
  • The payment screen and card terms determine actual charges. This estimates linked-card purchases, not transfers, cash withdrawals or home-wallet payments.
  • Promotion eligibility is not inferred. Enter the actual fee shown by the app for each affected purchase.
  • The Alipay example schedule is supported by the government guide; a current Alipay-owned fee page was not verified.

Results update as you type. The share link stores your inputs after the # in the address, which is not sent to our server, but anyone you send it to can read them.

Prices change often. We list the date we last checked each price; confirm on the provider’s official pricing page before you budget.

This is a general estimate for information only, not tax, legal or financial advice. Real rules have more conditions than a calculator can show, so check the official source below or a qualified professional for your situation.

How it works

The government’s 2024 guide documents no extra platform fee on linked international-card purchases of CNY 200 or less, and 3% of the entire purchase above CNY 200. These are editable examples. A current Alipay-owned fee page was not verified; check the payment screen.

platform fee = amount > threshold ? amount × rate ÷ 100 : 0 converted charge = (amount + platform fee) × home-currency units per CNY issuer fee = converted charge × issuer rate ÷ 100 + fixed fee total = converted charge + issuer fee

Select standard schedule, custom fees, or the Weixin-only app-confirmed waiver. Waiver mode sets every listed platform fee to zero only after explicit app confirmation; issuer fees still apply. In custom mode, a per-line actual fee replaces the scheduled platform fee after you confirm it. The issuer formula is a budgeting assumption: adapt the rate to your card’s terms. A zero purchase incurs no fixed fee. We sum unrounded amounts and display two decimals, so rounded rows may differ slightly from the displayed total. Actual settlement may round each charge separately.

Worked examples

The threshold applies to the whole purchase

Using the example 200/3% schedule, CNY 200 costs no platform fee. CNY 201 costs CNY 6.03, giving CNY 207.03 before issuer charges.

A CNY 1,000 purchase with issuer costs

At the example 3% platform fee, 0.14 home units per CNY, 2% issuer fee and zero fixed fee: platform fee = CNY 30; converted charge = 144.20; issuer fee = 2.884; total = 147.08 home units after display rounding.

Confirmed waiver for that same purchase

Select Weixin, choose App-confirmed fee waiver, enter 1000 and confirm the app shows zero fee for the purchase. At the same 0.14 conversion and 2% issuer fee, total cost becomes 142.80 home units. The bank fee still applies.

Frequently asked questions

Does the 3% apply only to the amount above CNY 200?
Under the documented example schedule it applies to the full purchase above the threshold. A CNY 201 payment therefore has a CNY 6.03 platform fee, not CNY 0.03.
What about the Weixin first-user promotion?
Tencent’s May 27, 2026 announcement describes a 3% fee waiver for first-time international-card users after the first purchase over 90 consecutive calendar days, within CNY 1,000 daily spending. The announced binding campaign runs May 27–December 31, 2026. This tool does not infer eligibility, campaign expiry or partial treatment at the daily cap. Enter only fees confirmed in your app.
Does a platform waiver remove my bank’s charges?
No. The card issuer may charge separately. Percentage fees, fixed fees and the conversion rate are user-entered assumptions.
Can I enter the day’s total as one payment?
Only if it was one transaction. The platform threshold is tested per purchase. Enter separate payments on separate lines, even if made on the same day.
Are exchange rates live?
No. The initial conversion rate of 1 is an example. Replace it with your card’s home-currency units per yuan; using the inverse rate would produce the wrong result.

Sources

Last reviewed 2026-11-14; next review due by 2026-12-14. The method is written out above so you can check our math.