How do you pay in Japan

Japanese payment

In Japan, payment methods are diverse and have evolved significantly over the years, offering a range of traditional and modern options. The payment landscape reflects the country's blend of longstanding customs and cutting-edge technology, giving both residents and visitors multiple ways to settle transactions. Here’s an overview of the primary payment methods in Japan, how to pay at the register, and some recommendations for choosing the best method.

Types of payment methods in Japan

The Japanese payment system can be broadly divided into cash, card, and digital payments. Each has unique advantages and usage contexts, so understanding when and where to use them can enhance convenience and security.

・Cash (現金, Genkin):
Cash is still a dominant payment method in Japan, with bills and coins being widely accepted across all types of establishments, including local markets, restaurants, and even vending machines. High-value cash transactions are common, and Japan is generally a very safe country for carrying cash.

・Credit and Debit Cards:
Cards, especially those issued by global providers like Visa, Mastercard, JCB, and American Express, are accepted widely, but mainly in urban areas and large retail chains. In smaller towns and family-owned stores, cash is often preferred. Japanese banks also issue domestic-only cards that might not work abroad but are accepted widely within Japan.

・Prepaid IC Cards:
Cards like Suica and PASMO are rechargeable IC cards primarily used for public transportation but are also accepted at many convenience stores, vending machines, and some shops and restaurants. These cards are convenient, especially for short stays, as they can be easily topped up at stations and offer contactless payment options for quick purchases.

・Mobile Payment Apps:
Digital payment methods are gaining popularity, with apps like PayPay, Line Pay, and Rakuten Pay being commonly used. QR code payments are widespread, especially in cities, and provide an easy alternative to cash and card payments.

・E-money Cards:
Japan has its own e-money systems like Edy, nanaco, and WAON, which are prepaid cards accepted at many convenience stores, supermarkets, and retail chains. These cards are useful for daily shopping and provide a quick way to make payments without the need for cash or a mobile app.

How to pay at Register

・Cash:
Place your cash on the provided tray at the register, as it is customary not to hand money directly to the cashier. If there is any change, it will be returned on the tray along with a receipt. Cashiers may organize bills and coins neatly, and it’s common for them to count the change as a courtesy.

・Credit/Debit Card:
When paying with a card, simply hand it over to the cashier or place it on the tray. In some cases, you may be asked to swipe or insert it into the terminal and enter a PIN or sign a receipt. Contactless card payments are becoming more common, especially in urban areas, allowing you to tap your card if the terminal supports it.

・IC Cards and E-money:
To use an IC card or e-money card, simply hold it over the reader when prompted. If the balance is insufficient, you can easily top up your card at most convenience stores, train stations, or automatic machines found in retail outlets. Many payment terminals will display a confirmation screen or give a sound to indicate the transaction is complete.

・Mobile Payments:
For QR code-based apps, scan the store’s code displayed at the register or show your app’s code to the cashier to complete the payment. If the payment requires verification, you might need to confirm through your mobile device, making mobile payments particularly secure. Once verified, the app will show the transaction as completed.

Recommended Payment Methods

・For Everyday Purchases:
Prepaid IC cards like Suica and PASMO are highly convenient for daily expenses. They are accepted in public transportation and many stores, making them ideal for quick purchases.

・For Larger Purchases or International Travelers:
Credit and debit cards are reliable, particularly for travelers who may need to make larger purchases at department stores, hotels, and restaurants. Foreign credit cards are widely accepted in urban areas, but it’s a good idea to have cash on hand for rural areas and smaller establishments.

・For Quick Transactions in Cities:
Mobile payment apps (e.g., PayPay, Line Pay) provide a contactless and efficient method for purchases, particularly in cities where QR code payment is common. These apps are ideal for residents who frequently shop at convenience stores, grocery stores, and chain restaurants that support digital payments.

・For Local Rewards and Discounts:
E-money cards like nanaco and WAON are popular at convenience stores, supermarkets, and some retail chains that often offer loyalty points and discounts for card users. These cards are convenient if you regularly shop at specific chains.

・For Budget Travelers:
Cash is essential, especially for travelers visiting rural areas or smaller, family-owned businesses where cash is often the only accepted method. Japanese ATMs that accept foreign cards are available at convenience stores like 7-Eleven and Lawson, as well as in many urban areas.