With the increase in tourism in Japan, knowing the available payment methods can make the trip smoother and more enjoyable. Although Japan has historically been a country that prioritizes the use of cash, in recent years, alternatives such as credit cards and electronic money have become increasingly popular.
Moreover, with the expansion of digital currencies, some cryptocurrencies, such as Bitcoin, have been gaining traction as a payment option in certain stores and tourist establishments. The so-called "meme coins," which frequently appear in news about cryptocurrencies, are also being considered in some locales. This trend offers new possibilities for travelers who are proficient in digital technologies.
Meanwhile, there are still cultural particularities and regional differences in payment methods, which can cause confusion for first-time visitors to Japan. In this article, we explain the main payment methods in the country, their characteristics, and points to pay attention to in order to ensure a smoother experience.
Table of Contents
The Use of Cash
Japan is widely recognized as a society that values physical money. Compared to other countries, the country is still in the process of adapting to the cashless model, that is, without cash.
This happens because carrying cash in Japan is safe due to the low crime rate, and it is also a common practice among the elderly population. Another factor contributing to this culture is the trust in the effectiveness of physical money, which avoids issues like failures in electronic terminals or additional charges.
Many establishments, such as small shops, restaurants, and outdoor markets, still operate exclusively with cash. However, to facilitate access to cash, there are ATMs spread throughout the country. Banks, post offices, and even convenience stores have ATMs operating 24 hours.
In addition, tourists can withdraw cash using foreign cards at ATMs of Seven Bank and Japan Post (JP Bank), which offer menus in English and accept brands such as Visa, Mastercard, PLUS, and Cirrus.
Credit and Debit Cards
Credit cards are also widely used in Japan, especially in large stores and hotel chains. Currently, it is estimated that about 87% of Japanese people possess at least one credit card.
Cards are accepted at most restaurants, supermarkets, and taxis, although in some situations, cash payment is still preferred. In addition, government initiatives to encourage digital payments have increased card acceptance in various smaller establishments.
The most accepted credit cards in Japan are Visa and Mastercard, followed by the Japanese card JCB. American Express and Diners Club are also accepted in some networks, but may not be an option in smaller stores. Meanwhile, UnionPay cards from China have become more common in large electronics stores and shopping malls due to the increase in Chinese tourism in Japan.
Debit cards, such as Visa Debit and JCB Debit, have also started to gain popularity, but their use is still more limited. For tourists, the main use of debit cards is withdrawing cash from ATMs.
Electronic Money and Payments via QR Code
Japan has made progress in the use of electronic money, especially IC cards used in public transportation. Suica and PASMO are the main cards of this type and can be used not only on trains and buses but also in convenience stores, vending machines, and fast food restaurants.
For tourists, there are versions of these cards that do not require a deposit, such as the "Welcome Suica," making their acquisition and temporary use easier. In addition to transportation cards, there are other prepaid electronic money systems, such as Rakuten Edy, nanaco, and WAON, which offer advantages like earning points on purchases.
Another payment method that has been rapidly expanding is QR Code. Services like PayPay and LINE Pay are increasingly accepted, driving the digitization of payments in the country. However, for short-term tourists, these systems may be more difficult to use due to the need for registration and linking with local bank s.
The Growth of Cryptocurrencies
Since the revision of the Payment Services Act in 2017, Japan officially recognized Bitcoin and other cryptocurrencies as legitimate forms of payment. This encouraged the emergence of regulated platforms and the adoption of these currencies in some establishments.
However, the acceptance of cryptocurrencies as a means of payment is still limited. Some electronic stores, such as Bic Camera, and selected chains, like Megane Super, accept payments with Bitcoin, but everyday use is still not common. Compared to credit cards and electronic money, the adoption of cryptocurrencies for daily purchases is minimal, and many establishments prefer other forms of payment.
The Japanese government also imposes strict regulations to ensure the safety of investors and the financial market, which may limit the growth of this type of payment in the short term. Nevertheless, the legal framework established makes Japan one of the most advanced countries in cryptocurrency regulation.
Conclusion
Although cash is still predominant in Japan, there is significant growth in the acceptance of digital payments, especially in large urban centers. Credit cards are widely accepted in shops and hotels, while e-money and QR Codes have gained ground in daily life.
On the other hand, in more remote areas and smaller establishments, the use of cash remains the best option. Planning the payment method in advance can prevent setbacks during the trip.
Understanding the available options and adapting to local preferences will ensure a smoother and more efficient experience when visiting Japan. Use this information to make your stay even more comfortable and worry-free regarding payments.
