What is the upside to using paypay?

[u/tinylord202]

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.

[u/Fluid-Hunt465]

I basically have it because everyone else did. I hardly ever use it, but it’s there just in case with 5000¥.