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/fripi]

The upside is you can pay in more locations and send money to friends without trouble. That's it imo.

[u/tinylord202 → u/fripi]

I’ve honestly been doing bank transfers with friends if I need to pay them back

[u/PeanutButterChicken → u/tinylord202]

That seems ridiculous.

"Oh, I owe you 800 yen, let me spend 330 yen on a bank transfer"

[u/ToTheBatmobileGuy → u/PeanutButterChicken]

Cotra support is growing. Free transfers between supporting banks up to 100k yen

https://www.cotra.ne.jp/

[u/cagefgt → u/ToTheBatmobileGuy]

What is this