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PayPay

Launched in 2018, PayPay is now the largest Japanese mobile payment app with over 50 million registered users. PayPay has achieved widespread adoption by offering marketing promotion campaigns, user-friendly payment experience, various services, and availability across online and offline channels. Since its launch, PayPay has successfully transitioned local users from relying on cash to embracing digital payments. Opening PayPay app has become an integral part of daily life for Japanese users.

PayPay is integrated with bank accounts, credit cards, and debit cards, allowing users to easily add funds to their PayPay wallet. Users can make purchases online or in-store with ease by scanning QR or barcode or by entering their account details. PayPay is widely accepted across Japan and has a payment ratio above 45%, ahead of other Japan's major electronic wallets.

Properties

The properties of the PayPay payment method are shown in the following table:

Payment type

Wallet

Acquirer

Alipay SG, Alipay JP

Acquiring region

SG, AU, HK, JP

Buyer country/region

Japan

Checkout Payment

✔️

Funds deduction

Real-time

Auto Debit

❌

Processing currency

JPY

Refund

✔️

Refund period

365 days

Partial refund

❌

Maximum payment amount

Balance*：

Last 24 hours: 500,000 yen

Last 30 days: 2,000,000 yen

Chargeback

❌

[1] Balance*: Use 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:

Mobile

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  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.

PC

image.png

  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.