Yea I also lived in China for 3 years while doing my masters and OP clearly doesn’t know what he’s talking about. Everywhere takes cards and cash in addition to the digital payments. And no service I used was digital only.

Edit: The only requirement I encountered was a local phone number. Not a smartphone.

vuniper.com

If you’re looking for rock/metal then en.metal-tracker.com usually has lots of flac rips.