Japan: payment methods in retail 2022

The share of cash in Japan's in-store payments declined further during COVID-19, but still held the highest market share come 2022. The source predicts that coins and paper money will remain the largest payment method in Japanese physical stores, although it does not that credit cards and, especially, mobile wallets continue gain in market share. One notable wallet that is predicted to see more use is that of PayPay, an app responsible for nearly half of the QR code payments in the country. Alongside PayPay, the user count of both Line Pay and Rakuten Pay are forecast to increase by around 33 percent between 2020 and 2025.

Market share of cash, credit cards, and other payment methods at point of sale (POS) in Japan in 2017, 2019, 2020, 2021, and 2022

Characteristic	2017	2019	2020	2021	2022
-	-	-	-	-	-
-	-	-	-	-	-
-	-	-	-	-	-
-	-	-	-	-	-
-	-	-	-	-	-
-	-	-	-	-	-
-	-	-	-	-	-
-	-	-	-	-	-
-	-	-	-	-	-

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Release date

March 2023

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Region

Japan

Survey time period

2017, 2019, 2020, 2021, 2022

Special properties

* The source made changes to its categories in 2021, see the "Details" tab for more information.

Supplementary notes

In 2022, the source stated it made two changes to the categories used in previous years. These include a combination of "credit cards" with "charge/deferred debit cards" and the split of BNPL from "POS financing" (which itself was added as a new category in 2020). The latter change was made to atone for the "growing importance of BNPL". This seems to have been reverted for "POS financing" in the 2023 report - which covered the figures for 2022.

The figures have been taken from several publications. No figures were available for 2018 as the source did not release any reports that year.

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