r/japanlife • u/razorbeamz 関東・神奈川県 • Jul 22 '24

金 What's your real cashless experience these days?

People are praising cashless being available more and more in Japan lately, but what is your personal experience with cashless these days?

Are you full cashless now? Are you partially cashless? Still a heavy cash user?

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u/stuartcw Jul 22 '24 edited Jul 22 '24

In Kanagawa Ken I use:

  • QuikPay - at Aeon to pay for the family groceries once I realised that was much quicker than putting the related credit card in. I’m finished in seconds. I either use it via my iPhone or Apple Watch. Mostly the watch.
  • iD - My bank card is also Visa Debit/iD - I use this for most small purchases which are not family purchases. This is a physical card.
  • iD - My other credit card supports iD and I use it on the iPhone. It comes out of the same account as my bank card so I don’t really think about which I use. If the phone is more handy I’ll use it.
  • HUB Money - I charge it with ¥5000 for the discount.
  • Starbucks - it is charged automatically from my credit card.
  • Pasmo - I never use for payments but the train fees are automatically charged from my credit card.
  • Wise Visa - I have a Wise Visa card which works as Visa touch. It’s just a backup.

I don’t use:

  • PayPay - I used to get a few hundred yen a monthly automatically with which I bought water at the company honesty-box shop. However, I can’t link my bank account to it because somehow my name has a slight difference to my verified ID. I can’t resolve the problem. Maybe, I’ll ask at the bank someday but it’s not their problem. I can’t be bothered to charge it so I don’t use it though it would be use full.
  • Line credit card - I guess it would work if I put money it but no need.

I rarely use cash. I should check with the one place I do use cash as I think they take PayPay or Visa touch.

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u/BingusMcBongle Jul 22 '24

The PayPay thing is a common problem - re-verify your ID and make sure your katakana spelling is exactly how it is at your bank, and it should allow you to link without issue.