China is not a cashless society. The online payment is only for the younger generation. A lot of aged people do not know how to use it at all. For example, I use cash shopping and non-cash shopping frequency. But there is no doubt that the future society is destined to be a cashless society.
In Cashless society people just need a bank account and debit card or credit card. You pay with the debit/credit card at the shop, stores, the exact amount of money is taken from your bank account by the shop/store owners/staff