Alipay, China's leading third-party online payment solutionAlipay, China's leading third-party online payment solution


Launched in 2018, PayPay has emerged as the leading mobile payment app in Japan, boasting a user base of over 62 million. The app's success can be attributed to its strategic marketing campaigns, user-friendly payment experience, diverse range of services, and seamless integration across online and offline platforms. Since its inception, PayPay has effectively steered local consumers away from traditional cash transactions towards the convenience of digital payments, making it an indispensable tool in the daily lives of Japanese individuals.

PayPay is integrated with bank accounts, credit cards, and debit cards, simplifying the process of topping up the PayPay wallet. Whether making online or in-store purchases, buyers can effortlessly complete transactions by scanning QR codes, barcodes, or entering the account information. With widespread acceptance throughout Japan, PayPay boasts a payment ratio exceeding 45%, surpassing other prominent digital wallets in the country.


Properties of PayPay are shown in the following table:

Payment type


Funding source

Wallet balance, Points, PayPay credit cards[1]


AlipaySG, AlipayJP, AlipayEU,

AlipayUK, AlipayUS

Acquiring region



Buyer country/region


Checkout Payment


Funds deduction


Auto Debit

Processing currency



Minimum payment amount1 JPY

Partial refund


Maximum payment amount


Last 24 hours: 500,000 yen

Last 30 days: 2,000,000 yen


Refund period

365 days

[1] PayPay credit cards: PayPay does not allow other credit cards as a separate funding source, only allowing to top up balance for payments.

[2] Balance: Using of PayPay gift voucher and PayPay points is included in the balance limit.

User experience

The following screenshots show the journey of paying with PayPay in different scenarios:



  1. Users select PayPay to pay.
  2. Users are redirected to the PayPay app.
  3. Users select their preferred payment funding source.
  4. Upon completion of payment, users can return to the service page or view the purchase details.

NotePayPay's Deeplink does not support the ability to downgrade to the normal URL.



  1. Users select PayPay to pay.
  2. Users are redirected to the PayPay web page.
  3. Users choose to pay by scanning the PayPay QR code.
  4. Users scan the QR code displayed on the web page using the PayPay app.
  5. Users select their preferred funding source and confirm the payment.
  6. Upon completion of payment, users can return to the app or view the purchase details.