Japan
Japan’s payment landscape in 2026 is mobile-first, with PayPay playing a central role in how consumers transact. PayPay accounts for around 98% of digital transaction volume, significantly reducing the role of credit and debit cards. For global merchants, integrating PayPay is key to reaching consumers and unlocking growth in Japan’s evolving cashless economy.
*Data is for Codapay in the period of 1st Oct 2024 - 30th Sep 2025
Impact figures
60%
Android users
40%
iOS users
69.7%
Credit & Debit Card ownership
2.7B
App downloads in 2025
12.1B
App revenue (USD) in 2025
Insights
Digital wallets
Japan is a strong Android market reducing the efficacy of Apple Pay to some degree in enabling online payments.
Cards
Credit & Debit cards have high penetration in-market, yet user preference remains low with customers strongly favoring local e-wallet options like PayPay.
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