What payment methods are used in Japan? Cash is still a favored method, although the COVID-19 pandemic has boosted the use of digital and contactless payments. Most major credit cards are accepted for purchases in larger stores and restaurants.
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A Few Final Notes and LinksWhile credit cards are become more widely accepted in Japan, cash is still king in Japan. Don't assume that you can use a credit card in small stores, restaurants and accommodations, particularly “mom and pop” places. Always carry sufficient Japanese cash as a backup.
Assessing the reasons why Japanese consumers prefer cash, Statista notes its security and reliability are highly valued. Over 55 percent of respondents cited concerns over personal information leakage as being a major drawback of cashless options.
For example, if you are traveling from the U.S., wait to exchange your dollars for yen until you have arrived in Japan. However, you will get the most favorable rates for yen in Southeast Asian countries rather than in Japan.
Though you will certainly need some cash, carrying wads of money, which could easily be stolen, lost, or just spent too quickly, is not ideal. There are three main options when it comes to cards in Japan – credit cards, debit cards, or travel money cards.
Tipping in Japan is not expected, and attempts to leave a tip will almost certainly be turned down (a potentially awkward moment). In Japan, it's thought that by dining out or drinking at a bar, you are already paying the establishment for good service.
Of course, in hotels and shopping malls you will be able to use your credit card to pay for goods and services, but this is less certain at local places. In many instances, you will need to pay cash. This is especially true if you visit small villages in Kyoto Prefecture – always have some cash handy.
Also, it can be difficult to use Japan's public transport system without cash, as you will almost always need it to recharge your IC card or to purchase a train ticket. That being said, I would say you should bring enough cash so that you have at least 10,000 yen of spending money per day.
Payment Options in Japanese SupermarketsThese options usually include cash, credit card, IC cards, point cards, and various “cashless” phone apps (e.g., PayPay, LinePay, etc). However, it is always a good idea to have cash on you in case you end up in a supermarket that does not accept your preferred form of payment.
Paying the bill in JapaneseIt's becoming more common to use card payments in restaurants, but the emajority of independents are still cash only. Another option is to use your Suica or Pasmo to pay, but if you're topping it up as you go, it can be simpler to stick to cash. You can simply ask: English: Is card ok?