My whole campus is connected with WeChat. Every shop, cafe, restaurant, small grocer, haircutting place. all of them take WeChat. Most have their own accounts which transfers money directly. A few smaller ones use the QR code and you have to type in the amount, but it transfers directly to them immediately. The nearby delievery services(McDonalds, KFC, Dinning) all kick over from their app to WeChat so when I order online, it's paid for.
I haven't spent a single kai of hard cash in months except at the vending machine in my classroom building. But I noticed last week, that it now has a built in POS that takes ApplePay. I'm happy with WeChat and Alipay. and the occasional two kai of coins needed to buy a bottle of water from the machine, just like the old days. WeChat and Alipay save me a trip to the ATM to reload my pocket money.