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Japan Cards and Payments: Opportunities and Risks to 2029

Publisher GlobalData
Published Jul 29, 2025
Length 76 Pages
SKU # GBDT20406439

Description

Japan Cards and Payments: Opportunities and Risks to 2029

Summary

GlobalData’s ‘Japan Cards and Payments: Opportunities and Risks to 2029' report provides detailed analysis of market trends in the Japanese cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including cash, card, credit transfer, and cheques during the review-period (2021-25e).

The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, transaction values and volumes during the review-period and over the forecast-period (2025e-29f). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.

The report brings together GlobalData’s research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies and recent changes in regulatory structure.

GlobalData’s ‘Japan Cards and Payments: Opportunities and Risks to 2029' report provides top-level market analysis, information and insights into the Japanese cards and payments industry, including -
  • Current and forecast values for each market in the Japanese cards and payments industry, including debit, and credit cards.
  • Detailed insights into payment instruments including cash, credit transfer, card, and cheques . It also, includes an overview of the country's key alternative payment instruments.
  • Ecommerce market analysis.
  • Analysis of various market drivers and regulations governing the Japanese cards and payments industry.
  • Detailed analysis of strategies adopted by banks and other institutions to market debit, and credit cards.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • The competitive landscape of the Japanese cards and payments industry.
Key Highlights
  • The growing adoption of contactless card payments for transport services will support card payments. For instance, in September 2024, Keikyu Line stations launched a contactless ticket payment system which enables credit card holders to make payments at the automated ticket gates. In January 2025, the Tokyo Metropolitan Bureau of Transportation initiated a pilot phase for tap-and-go payments in collaboration with the ‘stera transit’ services of Sumitomo Mitsui Card Company. Initially, Visa, JCB, American Express, Diners Club, Discover, and China UnionPay cards are accepted, while Mastercard will be added at a later stage.
  • To further enhance consumer awareness of contactless payments, in February 2025, Visa launched the promotional campaign ‘Save on Trains with Touch Payment! 30% Cash Back Campaign’ and as part of it, Visa card holders receive up to 30% cashback when making payments using Visa touch payment at Osaka Metro, Osaka Monorail, Kita-Osaka Kyuko Railway, Kintetsu Railway, Kobe Municipal Subway, Kobe New Transit, Kobe Electric Railway, Sanyo Electric Railway, Nankai Electric Railway, Nose Electric Railway, and Hankyu Railway. The campaign ran from April 3 to May 30, 2025. This incentive aims to incentivize customers to embrace the convenience and security of contactless payments.
  • Companies are launching payment solutions to better serve customers. In January 2025, the South Korean food delivery app Coupang Eats launched its service in Japan in partnership with the delivery app Rocket Now. Similarly, in February 2025, Rakuten partnered with the tech company Avride to announce the launch of delivery robots that deliver restaurant orders and groceries to the neighborhoods of Harumi, Kachidoki, and Tsukishima in Central Tokyo.
Scope
  • Card market size in terms of number of cards, value and volume of transactions in Japan along with detailed card segmentation of debit, credit cards available in the country.
  • Market sizing and analysis of major payment instruments including cash, credit transfer, card, and cheques.
  • Payment market trends and growth for both historical and forecast period
  • Competitor analysis with detailed insights into leading card issuers and schemes.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • A detailed snapshot of country's key alternative payment brands.
Reasons to Buy
  • Make strategic business decisions, using top-level historic and forecast market data, related to the Japanese cards and payments industry and each market within it.
  • Understand the key market trends and growth opportunities in the Japanese cards and payments industry.
  • Assess the competitive dynamics in the Japanese cards and payments industry.
  • Gain insights into marketing strategies used for various card types in Japan.
  • Gain insights into key regulations governing the Japanese cards and payments industry.

Table of Contents

76 Pages
1. Executive Summary
2. Market Overview
3. Payment Instruments
4. Card-Based Payments
5. Ecommerce Payments
6. In-Store Payments
7. Buy Now Pay Later
8. Mobile Payments
9. P2P Payments
10. Bill Payments
11. Alternative Payments
12. Payment Innovation
13. Job Analysis
14. Payment Infrastructure and Regulation
15. Appendix
List of Tables
Key facts, 2025
Benchmarking of payment cards, 2025e
Payment instrument transaction values (LCU), 2021-29f
Payment instrument transaction values ($), 2021-29f
Payment instrument transaction volumes (units), 2021-29f
Payment cards in circulation by type (units), 2021-29f
Volume of payment card transactions (units), 2021-29f
Value of payment card transactions (LCU), 2021-29f
Value of payment card transactions ($), 2021-29f
Debit cards in circulation (units), 2021-29f
Debit card transaction volumes, 2021-29f
Debit card transaction values (LCU), 2021-29f
Debit card transaction values ($), 2021-29f
Debit cards in circulation by scheme (units), 2021-25e
Debit card transaction values by scheme (LCU), 2021-25e
Debit card transaction values by scheme ($), 2021-25e
Debit cards in circulation by issuer (units), 2021-25e
Debit cards transaction value by issuer (LCU), 2021-25e
Debit cards transaction value by issuer ($), 2021-25e
Credit cards in circulation (units), 2021-29f
Credit card transaction volumes, 2021-29f
Credit card transaction values (LCU), 2021-29f
Credit card transaction values ($), 2021-29f
Credit cards in circulation by scheme (units), 2021-25e
Credit card transaction values by scheme (LCU), 2021-25e
Credit card transaction values by scheme ($), 2021-25e
Credit cards in circulation by issuer (units), 2021-25e
Credit cards transaction value by issuer (LCU), 2021-25e
Credit cards transaction value by issuer ($), 2021-25e
Prepaid cards in circulation (millions), 2021-29ePrepaid card transaction values (LCU), 2021-29e
Prepaid card transaction values ($), 2021-29e
List of Figures
Inflation rate
GDP growth rate
Payment instruments transaction value and volume
Instant payments transaction value and volume
Card penetration
Card payments by value
Debit card frequency of payments and average transaction value
Debit card schemes transaction value and volume
Debit card issuers by number of cards and transaction value
Credit card frequency of payments and average transaction value
Credit card schemes transaction value and volume
Credit card issuers by number of cards and transaction value
Credit card debt
Prepaid Cards: Market Sizing and Forecasting
Contactless card holding and usage in detail
E-commerce transaction value and ecommerce breakdown by mobile vs. desktop/laptop
Ecommerce market by product and services
Ecommerce market by paymnet tools
Factors driving in-store payments and In-store transaction value by payment method
In-store transaction value by products and services
BNPL service used in the last six months and Preferred BNPL brand/tool for in-store payments
BNPL online transaction value and transaction volume
BNPL share of overall ecommerce transaction value and preferred BNPL brand/tool for online payments
Mobile wallet holding and use by demographic
Mobile wallet funding methods, mobile wallet preference by product/service and mobile wallet ownership by brand
Domestic and international P2P money transfers
Paymnet tool preference for bill payment and bill paymnet frequency
Active jobs intensity in the country
Number of POS terminals and ATMs

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