Is it really that weird? My wife uses weixin for normal things like buying lunch, paying for a taxi, buying veggies at the stand downstairs. It would add up to more than 100 rmb/ month, but then so would a UnionPay card, and Tencent is subsidizing the heck out of this right now to get adoption up.

QR is a lot less convenient than RF, ApplePay this is not.