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PUBLISHER: GlobalData | PRODUCT CODE: 2149654
PUBLISHER: GlobalData | PRODUCT CODE: 2149654
Japan Cards and Payments: Opportunities and Risks to 2030
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PAGES: 99 Pages
DELIVERY TIME: 1-2 business days
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GlobalData's 'Japan Cards and Payments: Opportunities and Risks to 2030' report provides detailed analysis of market trends in Japan cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including debit, and credit cards during the review-period (2022-26e).
The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, transaction values and volumes during the review-period and over the forecast-period (2026e-30f). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.
The report brings together GlobalData's research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies and recent changes in regulatory structure.
GlobalData's 'Japan Cards and Payments: Opportunities and Risks to 2030' report provides top-level market analysis, information and insights into Japan cards and payments industry, including:
- Current and forecast values for each market in Japan cards and payments industry, including debit, and credit cards.
- Detailed insights into payment instruments including cash, cards, credit transfer, and cheques. It also, includes an overview of the country's key alternative payment instruments.
- Ecommerce market analysis.
- Analysis of various market drivers and regulations governing Japan cards and payments industry.
- Detailed analysis of strategies adopted by banks and other institutions to market debit, and credit cards.
- Comprehensive analysis of consumer attitudes and buying preferences for cards.
- The competitive landscape of Japan cards and payments industry.
Key Highlights
- In March 2026, Zengin-Net published Study Group on the Future Vision of the Payment System, outlining plans for a rebuilt New Payment System intended to eventually replace the current platform. The proposed system aims to deliver real-time payments with credit confirmation, improved user responsiveness, support for emerging payment types (such as phone number transfers, QR code-based payments, and Request to Pay), and stronger connectivity with international payment networks, targeting launch by 2030.
- Transit-based digital wallets are expanding beyond transportation payments into everyday retail spending. In November 2025, East Japan Railway Company (JR East) announced teppay, a new QR code and barcode payment service that will be integrated into the Mobile Suica app from Autumn 2026. This integration will enable users to make QR code and barcode payments at participating merchants directly through the app. The update will also increase the stored-value balance limit, allowing Mobile Suica to be used for higher-value transactions beyond public transport and convenience stores. PASMO is expected to introduce a similar QR code payment capability in a later phase, strengthening the role of transit-linked digital wallets in Japan's cashless payments ecosystem.
- Contactless and QR code payments are expanding rapidly across Japan, driven by wider acceptance of tap-to-pay at retail outlets, restaurants, and small businesses. In September 2025, Stripe launched Stripe Terminal in Japan as part of its "Unified Commerce" strategy, enabling merchants to accept both PayPay QR code payments and Tap to Pay on iPhones-simplifying payment processing across online and physical stores
Scope
- Card market size in terms of number of cards, value and volume of transactions in Japan along with detailed card segmentation of debit, and credit cards available in the country.
- Market sizing and analysis of major payment instruments including cash, cards, credit transfer, and cheques.
- Payment market trends and growth for both historical and forecast period
- Competitor analysis with detailed insights into leading card issuers and schemes.
- Comprehensive analysis of consumer attitudes and buying preferences for cards.
- A detailed snapshot of country's key alternative payment brands.
Reasons to Buy
- Make strategic business decisions, using top-level historic and forecast market data, related to Japan cards and payments industry and each market within it.
- Understand the key market trends and growth opportunities in Japan cards and payments industry.
- Assess the competitive dynamics in Japan cards and payments industry.
- Gain insights into marketing strategies used for various card types in Japan.
- Gain insights into key regulations governing Japan cards and payments industry.
Product Code: GDFS0991CI
Table of Contents
Table of Contents
1. Executive Summary
2. Market Overview
3. Macroeconomics, Regulation, and Infrastructure
4. Payment Instruments
5. Card-Based Payments
6. Instant Payments
7. Digital Wallet Payments
8. Buy Now Pay Later
9. Retail Payments
10. In-Store Payments
11. Ecommerce Payments
12. Bill Payments
13. P2P and Remittances
14. Appendix
Product Code: GDFS0991CI
List of Table
List of Tables
- Key facts, 2026
- Payment instrument transaction values (LCU), 2022-2030f
- Payment instrument transaction values ($), 2022-2030f
- Payment instrument transaction volumes (units), 2022-2030f
- Payment cards in circulation by type (units), 2022-2030f
- Volume of payment card transactions (units), 2022-2030f
- Value of payment card transactions (LCU), 2022-2030f
- Value of payment card transactions ($), 2022-2030f
- Debit cards in circulation (units), 2022-2030f
- Debit card transaction volumes, 2022-2030f
- Debit card transaction values (LCU), 2022-2030f
- Debit card transaction values ($), 2022-2030f
- Debit cards in circulation by scheme (units), 2022-26e
- Debit card transaction values by scheme (LCU), 2022-26e
- Debit card transaction values by scheme ($), 2022-26e
- Debit cards in circulation by issuer (units), 2022-26e
- Debit cards transaction value by issuer (LCU), 2022-26e
- Debit cards transaction value by issuer ($), 2022-26e
- Credit card in circulation (units), 2022-2030f
- Credit card transaction volumes, 2022-2030f
- Credit card transaction values (LCU), 2022-2030f
- Credit card transaction values ($), 2022-2030f
- Credit card in circulation by scheme (units), 2022-26e
- Credit card transaction values by scheme (LCU), 2022-26e
- Credit card transaction values by scheme ($), 2022-26e
- Credit cards in circulation by issuer (units), 2022-26e
- Credit cards transaction value by issuer (LCU), 2022-26e
- Credit cards transaction value by issuer ($), 2022-26e
- Prepaid cards in circulation (units), 2022-2030f
- Prepaid card transaction values ($), 2022-2030f
- Prepaid card transaction volumes (units), 2022-2030f
- Retail market by product categories (LCU), 2022-2030f
- Retail market by product categories ($), 2022-2030f
List of Figure
List of Figures
- Card penetration per inhabitant
- Average number of monthly card transactions
- POS terminals per 1,000 inhabitants
- Inflation rate
- GDP growth rate
- Unemployment rate
- Average annual wages
- Total population
- Banked population
- Internet penetration
- Cell phone penetration
- Number of ATMs and ATMs per 1 million inhabitants
- Number of POS terminals and POS terminals per 1 million inhabitants
- Payment istrument transaction volume (paper-based vs electronic payments)
- Payment instruments transaction value
- Payment instruments transaction volume
- Cross-border payment value
- Cross-border payment Volume
- Payment cards number of cards in circulation
- Payment cards card penetration per individual, by card type
- Payment cards value of card transactions
- Payment cards volume of card transactions
- Payments card value physical POS vs. remote
- Payments card volume physical POS vs. remote
- Payments value domestic vs. cross-border
- Payments volume domestic vs. cross-border
- Debit card share of transaction value
- Credit card share of transaction value
- Debit card frequency of payments and average transaction value
- Debit card ATM withdrawals frequency of use and average transaction value
- Debit card schemes transaction value
- Debit card schemes transaction volume
- Debit card schemes market share in terms of transaction value
- Debit card issuers by number of cards
- Debit card issuers by transaction value share
- Credit card frequency of payments and average transaction value
- Credit card ATM withdrawals frequency of use and average transaction value
- Credit card schemes transaction value
- Credit card schemes transaction volume
- Credit card schemes market share in terms of transaction value
- Credit card issuers by number of cards
- Credit card issuers by transaction value share
- Credit card balances outstanding
- Credit card balances outstanding repayment schedule
- Number of prepaid cards, value and volume
- Prepaid card usage drivers
- Instant payments transaction value
- Instant payments transaction volume
- Mobile Proximity Payments usage drivers
- Mobile Proximity Payments funding methods
- BNPL online transaction value and transaction volume
- BNPL share of overall ecommerce transaction value
- Preferred BNPL brand/tool for in-store and online payments
- Retail sales
- In-store transaction value by payment method
- In-store payment tool usage drivers
- In-store transaction value by products and services
- Ecommerce transaction value and ecommerce breakdown by mobile vs. desktop/laptop
- Ecommerce market by product and services
- Ecommerce market by payment tools
- Online payment tool usage drivers
- Bill Payments - Breakdown by payment tools
- Bill Payments- Frequency of bill payments
- P2P Payments - Domestic and International P2P money transfers and top priorities for P2P tools
- Value of inward and outward remittances
- Top 10 countries for inward and onward remittances
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