WeChat Pay is a smartphone-based contactless payment system with a user-friendly interface. It works by linking your credit or debit card to the app, and then using the mobile deviceās camera to scan the merchantās QR code to process the payment. You can also add funds to the app through bank transfers, or directly through debit or credit card payments. WeChat Pay has a very simple and intuitive payment process, which consists of entering your password and the required amount to pay for the goods and services.