Cashless payment ratio in Japan 2014-2023

In 2023, cashless payments accounted for around 39.3 percent of the private final consumption expenditure in Japan. The cashless payment ratio increased by 3.3 percentage points year on year. Most popular payment methodsCredit cards were the cashless payment method with the highest transaction value throughout the past decade. They were followed by QR code payments and electronic money. Electronic money is a contactless payment method based on NFC technology, which can be used via smartphones or IC smartcards. E-money was introduced as early as 2001 and is widely used to pay transportation fees or purchases at vending machines and shops. The value of prepaid e-money transactions in Japan reached around 6.4 trillion Japanese yen in 2023. Rising popularity of QR-code paymentsQR-code payment services replaced electronic money as the second-most popular payment method for the first time in 2022. They allow consumers to perform financial transactions by issuing or scanning a QR code or bar code with a smartphone app. The service can be topped up with cash or linked to credit cards or bank accounts. Pushed by the government’s cashless promotion campaign in 2019 and the need to avoid contact during the coronavirus pandemic, the popularity of services like PayPay and Rakuten Pay has rapidly increased in recent years.

至2023年，日本的无现金支付已占私人最终消费支出的约39.3%。相较于上年，无现金支付比例增长了3.3个百分点。在过去十年中，信用卡作为无现金支付方式，其交易额始终位居首位，紧随其后的是二维码支付和电子货币。电子货币是一种基于NFC技术的非接触式支付手段，可通过智能手机或IC智能卡使用。自2001年电子货币问世以来，它已被广泛用于支付交通费用、自动售货机和商店的购物款项。2023年，日本预付电子货币交易额达到约64兆日元。二维码支付的兴起：在2022年，二维码支付服务首次取代电子货币，成为第二受欢迎的支付方式。消费者可通过智能手机应用发出或扫描二维码或条形码来执行金融交易。该服务可用现金充值，或与信用卡或银行账户关联。得益于2019年政府无现金推广活动以及避免在新冠病毒大流行期间接触的需要，PayPay和Rakuten Pay等服务近年来的人气迅速攀升。