Discover cards, issued primarily by Discover Financial Services, are not as commonly accepted in Shanghai, China, as other major credit card networks like Visa and Mastercard. While some merchants in Shanghai may accept Discover cards, especially in areas frequented by tourists or international businesses, acceptance can be limited compared to other cards.
The main reason for the limited acceptance of Discover cards in Shanghai and across China is the dominance of local payment networks like UnionPay. UnionPay is the largest card network in China and is widely accepted by merchants throughout the country. Consequently, many businesses, particularly smaller ones, may not have the infrastructure or agreements in place to process payments through Discover.
However, larger international chains, upscale hotels, and high-end restaurants in Shanghai are more likely to accept Discover cards, as they cater to a more diverse clientele that includes tourists and expatriates.
Before traveling to Shanghai, it’s essential to check with Discover or your card issuer to inquire about any partnerships or agreements they may have with Chinese banks or payment networks. Additionally, it’s wise to carry alternative forms of payment, such as cash (Chinese Yuan) or a Visa/Mastercard credit card, to ensure you have options available for making purchases or transactions.
If you plan to use a Discover card in Shanghai, it’s essential to inform your bank or credit card company of your travel plans in advance. This can help prevent any issues with card usage abroad, such as unexpected transaction denials due to security concerns. Additionally, be prepared to encounter instances where merchants may prefer or only accept local payment methods like UnionPay or cash.