Japan Payment Apps: A Complete Guide for Foreigners
Japan might be known for its technology, but when it comes to payments, the country has its own unique ecosystem that can be confusing for visitors. Here's everything you need to know about payment apps in Japan.
The Cash Culture
First, let's address the elephant in the room: Japan is still largely a cash-based society. Many small restaurants, shops, and even some taxis only accept cash. Always carry yen with you.
Top Payment Apps in Japan
PayPay - The Most Popular
PayPay is Japan's most widely accepted QR code payment app, with over 50 million users.
Pros:
- Accepted almost everywhere
- Regular cashback campaigns
- Easy to use
Cons:
- Requires Japanese bank account for full features
- Setup can be complex for foreigners
LINE Pay
LINE is Japan's dominant messaging app, and LINE Pay is its integrated payment service.
Why use LINE Pay:
- Already have LINE? Payment is built-in
- Works at many convenience stores
- Can send money to friends
Suica / Pasmo - Transit Cards
These aren't apps per se, but digital transit cards that work for:
- Trains and subways
- Convenience stores
- Vending machines
- Some restaurants
Pro tip: Add Suica to your Apple Wallet or Google Pay before arriving in Japan.
What About International Cards?
Good news: Major credit cards (Visa, Mastercard) are increasingly accepted in Japan, especially in:
- Hotels
- Department stores
- Chain restaurants
- Tourist areas
However, always have cash backup for:
- Small restaurants
- Local shops
- Rural areas
Tips for Foreigners
- Get a Suica card - It's the most versatile payment method
- Download PayPay - Even with limited features, it's useful
- Carry cash - Aim for ¥10,000-20,000 daily
- Use 7-Eleven ATMs - They accept international cards
Conclusion
While Japan's payment landscape can seem daunting, a combination of cash, Suica, and one or two payment apps will cover most situations. The key is preparation before your trip.
Explore more Japan apps in our Japan country guide.
