Japan: most used cashless payment methods 2025| ��ƽ��

Most used cashless payment methods in Japan as of September 2025

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Release date

October 2025

More information

Region

Japan

Survey time period

August 1 to September 3, 2025

Number of respondents

1,997 respondents

Age group

20 years and older

Special properties

multiple answers possible

Method of interview

Postal questionnaire

Supplementary notes

Original question: "Which of the following payment instruments other than cash do you use in everyday life? (Choose all applicable answers.)"

*Payment made by tapping payment instrument against payment terminals, excluding use for public transportation.

**Services provided by banks that allow customers to transfer money using computers, mobile phones, or smartphones (including smartphone applications).

***Cards issued by banks. Payments are directly deducted from a customer's bank account after paying with their cards.

The source used a stratified two-stage random sampling method.

Responses were collected via mail or online.

Citation formats

** were the most used cashless means of payment in Japan, according to a survey conducted from August to September 2025. Around 71 percent of the respondents stated that they used ** in their daily lives, while *** percent only used cash.

Promotion of cashless payments

To promote cashless payment methods and mitigate the effects of a tax hike, the Japanese government introduced a reward point system for cashless purchases in 2019, which led to an increase in cashless payments. Additionally, more people resorted to non-cash payment methods to avoid contact during the COVID-19 pandemic. Although Japanese consumers still have a preference for cash, its use in POS transactions has declined in the past years.

Most used payment methods

The choice of payment methods depends on many factors, such as the location and amount of purchase. In Japan, ** remain the most widely used cashless payment method. However, the share of ** in Japan’s cashless payment volume has declined in recent years, giving way to a growing share of *. Since 2018, the value of ***, which can be linked to credit cards and bank accounts or precharged with cash, has increased significantly.