Japan is gradually moving away from its traditional cash-based culture. Cashless payment in Japan is becoming increasingly common, especially in cities, convenience stores, restaurants, and retail shops. While cash is still used, more people rely on credit cards, smartphones, and IC cards for everyday transactions. This guide explains the main options and how to use them.
1. Credit Cards and Contactless Payments in Japan
Credit cards are widely accepted across Japan, including Visa, Mastercard, and American Express. Many hotels, department stores, and restaurants accept them. Contactless “tap-to-pay” cards are also growing in popularity, allowing faster and more hygienic transactions. Keep in mind that some smaller shops may only accept cash.
2. Mobile Payments and QR Codes in Japan
Mobile payments are gaining popularity, but their use can differ from other countries.
Apple Pay and Google Pay can be used for contactless “tap-to-pay” purchases at stores with compatible terminals. International Visa and Mastercard cards may work in these locations, but not all shops accept them. Some stores require domestic cards linked to systems like iD or QUICPay, which foreign visitors usually cannot set up.
For everyday shopping and dining, Japan’s QR code payment apps, such as PayPay and Rakuten Pay, are widely used. Simply scan a code at the register – these services are convenient and often offer rewards or discounts.
3. Transportation IC Cards: Suica, PASMO, and More
Prepaid IC cards like Suica and PASMO are essential for public transportation in Japan. They can also be used for small purchases at convenience stores, vending machines, and some restaurants. Tap and go – no cash required. IC cards make commuting and daily shopping simple for both locals and visitors.
4. MobalPay: The Cashless Solution for Residents in Japan
For foreigners living in Japan, navigating the cashless payment landscape can be confusing. MobalPay provides a prepaid Mastercard designed for residents. It works for online and in-store purchases, mobile wallets, and QR code apps, and can be topped up easily at convenience stores.
Want an easy way to enjoy cashless payment in Japan?
Get your MobalPay prepaid card today and start using it for online, in-store, and mobile payments.