PayPay
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
Properties of PayPay are shown in the following table:
Payment type | Wallet | ||
Funding source | Wallet balance, Points, PayPay credit cards[1] | ||
| Acquirer | AlipaySG, AlipayJP, AlipayEU, AlipayUK, AlipayUS | Refund | ✔️ |
| Merchant entity location | SG, AU, HK, JP, EU, UK,US | Partial refund | ✔️ |
Buyer country/region | Japan | Chargeback/Dispute | ❌ |
Processing currency | JPY | Refund period | 365 days |
| Minimum payment amount | 1 JPY | Time to return payment result | Real-time |
Maximum payment amount | Balance[2]:
| ||
[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
Note: The following payment flows on different terminals are reference only, and represent this payment method's flow on different terminal types. For supported merchants' terminal types, consult Antom Technical Support.
The following screenshots show the journey of paying with PayPay in different scenarios:
Mobile
- Users select PayPay to pay.
- Users are redirected to the PayPay app.
- Users select their preferred payment funding source.
- Upon completion of payment, users can return to the service page or view the purchase details.
Note: PayPay's Deeplink does not support the ability to downgrade to the normal URL.
PC
- Users select PayPay to pay.
- Users are redirected to the PayPay web page.
- Users choose to pay by scanning the PayPay QR code.
- Users scan the QR code displayed on the web page using the PayPay app.
- Users select their preferred funding source and confirm the payment.
- Upon completion of payment, users can return to the app or view the purchase details.
