You'd better not use visa or mastercard. They belong to credit cards, and the other party will charge you a handling fee for making money for you, and it will also charge you a handling fee for withdrawing money with your card, which is not good.

I suggest you ask the other party to remit money to you by Western Union. You can get the remittance by filling out the Western Union remittance receipt at the Agricultural Bank of China with the receipt you received. This should be the easiest way.

If you apply for a debit card that can accept foreign exchange, you can accept Paypal. Other banks. I don't know. My current Agricultural Bank is the international department of its branch, and it can handle that kind of card, so I suggest you ask the bigger Agricultural Bank.