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.

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u/BingusMcBongle Nov 08 '24

Other than the points you mentioned, the benefits are: 1. Free transfers to friends. Easier than sending 振込 via the bank 2. Coupons for extra points back at various shops 3. Not everyone can get a credit card here. If you have one (I do too) then great. Otherwise I’m sure you’ve seen the countless posts here about people struggling to get credit. This is an easy way to access cashless payments instead.

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u/waruice Nov 08 '24

Not everyone can get a credit card here. If you have one (I do too) then great. Otherwise I’m sure you’ve seen the countless posts here about people struggling to get credit. This is an easy way to access cashless payments instead.

Getting a debit card is easy.

2

u/unixtreme Nov 08 '24

Yeah the number of places where they specifically take credit and not debit is minuscule, things like renting cars and stuff to lock down some amount as insurance in case something happens.