Cash, IC card, credit card or QR? Here’s what works in Japan, so you’re never stuck at the till.
Cash (yen)
Japan still uses cash a lot — especially small shops, local eateries, temples and markets. Carry some yen. Foreign cards work at 7-Eleven (Seven Bank) and Japan Post ATMs.
IC cards — Suica, PASMO, ICOCA
A rechargeable prepaid card. Tap to ride trains and buses, and to pay at convenience stores, vending machines and many shops. Top up with cash at station machines; some phones can add one too.
Credit & contactless
Visa, Mastercard, JCB and Amex are taken at most hotels, department stores and chains, and “touch” (contactless) is common. Small shops may be cash-only, so keep some cash.
QR payments (PayPay, etc.)
Popular locally, but many QR apps need a Japanese bank or phone number to set up. Some shops take Alipay or WeChat Pay. For most travellers, an IC card plus a credit card is simplest — check the app or ask the shop.
If a shop can’t take your card
A card can fail for several reasons: the shop’s terminal, card acceptance, or the card issuer. Try cash, another card, or an IC card. If it is declined elsewhere too, check your issuer’s app or contact the issuer. Ask what payment methods are accepted before ordering.
⚠️ A guide only. What’s accepted varies by shop and can change, so always keep some cash and check with the shop or the app’s official site. Never share your PIN or card number with anyone.
💱 Currency