P
PayPay
Japan's dominant QR/barcode mobile wallet with 65M+ users and acceptance at millions of merchants. Backed by SoftBank and Yahoo Japan. First expanded outside Japan in 2025 linking with Korea's Kakao Pay for cross-border payments.
💳 Visa / Mastercard
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KYC: No KYCAPI: ★★★☆☆
Volume tiers
All volumes1.98%
+ fixed: $0
Chargeback: 0.5%
Settlement: 0–1 days
Currency: JPY
Limit: $50,000
Japan: 1.98% standard merchant rate. 65M+ users. Instant settlement. SoftBank backed.
Quick stats
KYCNo KYC
Onboarding5–14 days
Fee from1.98%
API quality★★★☆☆
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