I presume you're talking about WeChat or AliPay payment. The US has equivalents, but they're not as advanced.

The closest US equivalent to WeChat payment is Venmo. But I can use WeChat to pay in McDonald's, not just to send money to friends.

The closest US equivalent to Alipay is Paypal. But with Alipay I can not only pay for online purchases and pay utility bills, I can also see a list of utility bills I have yet to pay.

Alipay has a interesting and convenient feature named Acoustic Payment,which support Person-To-Person payment through mobile phone's Speaker

Wow. This is pretty cool. In the English version on Android, it's called 'Sound Pay'. When activated, it makes a repeated 'shoop shoop-shoop-shoop' sound, whilst it scans for other devices in the same mode.