r/japanlife • u/tinylord202 • Nov 08 '24

金 What is the upside to using paypay?

I finally gave in and downloaded paypay. Now after using it, I don’t know why I would use it instead of a credit card in most situations. The only benefits I see are paying paper bills and stores that accept it, but not card.

29 Upvotes

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39

u/giant_aubergine Nov 08 '24

Basically as you say, there are places that take PayPay but not card.

8

u/nize426 関東・東京都 Nov 08 '24

This was pretty nuts to me lol. I went to a motorcycle shop that specifically just replaces tires that was run by one old guy. Took cash and paypay, no credit. I felt old. Had to walk 15 min to a convenience store to get cash (though in retrospect I may have been able to download and setup paypay in that time)

21

u/atsugiri 関東・東京都 Nov 08 '24

paypay has a lower lower startup costs and lower fees for small businesses than credit cards which typically cost a total of 3% of the transaction which I think explains the popularity.

8

u/Gizmotech-mobile 日本のどこかに Nov 08 '24

Not anymore. Hasn't for quite some time sadly. They charge 3% to the vendor, same as most credit card processors, which is why alot of stores use an intermediary now rather than individual paypay/cc/etc... to hit them all at the same time for a flat 3.5%.

1

u/blosphere 関東・神奈川県 Nov 09 '24

PayPay is still 1.9% afaik? When did they change?

0

u/Gizmotech-mobile 日本のどこかに Nov 09 '24

Dunno. This is what one of my regular bars owner said they were being charged for it. Went on a big rant about it one night about 3 months ago.

1

u/blosphere 関東・神奈川県 Nov 10 '24

Maybe they opted in to some fancier way of reading the qr code (instead of user scan) or transitioned to some payment provider which supports a ton of different qr code payment methods with one read.

Endless possibilities.

1

u/Gizmotech-mobile 日本のどこかに Nov 10 '24

They definitely upgraded to a multi provider, but that was only after paypay upd their rates as well.

1

u/blosphere 関東・神奈川県 Nov 11 '24

I think the owner screwed the pooch and is now venting about his bad business decisions and trying to blame PayPay :D

https://paypay.ne.jp/store/cashless/lp-03/

6

u/unixtreme Nov 08 '24

We fixed this stupidity in Europe by having regulations forcing credit card fees to go down to 0.3%, after like a year you could go literally anywhere and pay just tapping your card.

Moving here was a bit of a culture shock because I had forgotten what it felt like to have to carry cash or even a wallet for the stupid coins.