
Japan accepts a wide range of credit cards, including Visa, Mastercard, American Express, and JCB. Many businesses, especially in tourist areas, also accept foreign credit cards.
You can easily find ATMs to withdraw cash with your credit or debit card, but be aware that some machines may not accept foreign cards. Many convenience stores and banks have ATMs that accept international cards.
Most major credit card brands are accepted at large retailers, restaurants, and hotels, but smaller shops and restaurants might not accept credit cards. It's always a good idea to have some cash on hand, especially when shopping at local markets or smaller businesses.
You might like: Accepting Credit Cards Can Be Useful to Small Businesses By:
Credit Card Acceptance in Japan
Credit card acceptance in Japan can be a bit tricky, but generally, you can use them at hotels, department stores, and some shops and restaurants.
Visa and Mastercard are the most widely accepted credit cards, accepted at 100+ million locations in 200+ countries and territories.
You'll often need to use cash at neighborhood restaurants, local markets, and in the Japanese countryside. Cash will probably be your only option when traveling in these areas.
Visa is also the most widely used type of credit card, with roughly 20 million more merchants worldwide taking it compared to Mastercard.
Here's an interesting read: How to Get Cash for a Visa Gift Card
Payment Methods in Japan
Credit cards are widely accepted in Japan, but it's essential to confirm beforehand if a lodging facility only accepts cash. You can pay by card when making an advance reservation at almost all hotels, ryokans, hostels, and guest houses.
Mobile payment options are available, but they can be complicated for tourists. Most mobile payment methods require a Japanese phone number, and topping up your payment app at an ATM can be a convenient option.
You can use international cards in Japan, including your UK debit card, and cash will be your only option when traveling in the Japanese countryside. Cash is also recommended for neighborhood restaurants, local markets, and smaller towns.
See what others are reading: Visa Cash
Travel Precautions
Don't rely solely on credit cards for your trip to Japan, as they may not be accepted everywhere. The usage rate of credit cards in Japan is low compared to other developed nations.
You'll encounter cash-only ticket machines at JR train stations, so be prepared to have some cash on hand. Some normal ticket machines may not accept credit cards.
Using ATMs marked with the PLUS logo can help you access overseas cashing services, making it easier to get cash when you need it.
Here's an interesting read: Do Slot Machines Accept Credit Cards
Where Are Accepted
You can usually use credit cards at hotels, department stores, and some shops and restaurants.
In tourist areas, souvenir shops often accept credit cards, and you'll typically find a logo indicating what payment methods are accepted at storefronts.
If you're dining out, you'll generally have no problem using your credit card at most department stores, restaurants around train stations, and chain restaurants.
However, privately-run restaurants in metropolitan areas may have restrictions on credit card usage, so be sure to check for the credit card logo or confirm with an employee.
Cash is usually the preferred payment method at neighborhood restaurants, local markets, and in the Japanese countryside.
When making an advance reservation at a hotel or ryokan, you'll likely pay by card, but it's always a good idea to confirm whether they accept credit cards for onsite payment.
Take a look at this: Accept All Major Credit Cards Logo
ATM Transaction
You can find ATMs in Japan, especially in urban areas, and many major banks accept international cards.
There are over 20,000 Post Office ATMs in Japan, and post offices display stickers indicating which cards are accepted.
ATMs can be found in convenience stores, post offices, and department stores, making it relatively easy to locate one.
Most major Japanese banks accept international cards, including VISA, MasterCard, and American Express.
You can use your UK debit card in Japan, but it's also a good idea to have some cash on you, especially if you plan to visit smaller towns.
Post Office and Seven Bank ATMs accept foreign credit and cash cards, and you can withdraw cash with cards that have the VISA, Cirrus, or PLUS logo.
ATM withdrawals can be made with cards that have the VISA, Cirrus, VISA Electron, PLUS, MasterCard, Maestro, American Express, China Unionpay, Diners Club, JCB, and DISCOVER logos.
It's worth noting that working hours for post office ATMs can be shorter on Sundays and national holidays, so it's best to go to an ATM located in a Japanese bank or in a convenience store.
Suggestion: Accept All Major Credit Cards
Mobile Payment
Mobile payment in Japan can be complicated for tourists, but there are some popular options to consider.
PayPay, MerPay, Line Pay, and Rakuten Pay are some of the most well-known mobile payment methods in Japan.
Most of these options only work for those with a Japanese phone number, so getting a Japanese number or sim card is a good idea.
You can top up your payment app at an ATM if you get a Japanese number or sim card.
Suica and Pasmo IC cards can also be added to your Apple Pay wallet, making digital payment a convenient option.
Just make sure your Apple Pay app is updated before traveling to Japan.
Explore further: Does Apple Pay Take Credit Cards
Post Bank
Japan Post Bank offers a range of payment options, making it a convenient choice for tourists and locals alike.
You can use various international credit and debit cards at Japan Post Bank ATMs, including VISA, VISA ELECTRON, PLUS, Mastercard, Maestro, Cirrus, American Express, JCB, China UnionPay, and Discover.
Additional reading: Does the Post Office Accept Credit Cards
Some cards may not be accepted, so it's always a good idea to check your card type before heading to the ATM.
Fees for overseas cards vary by type, so be sure to check with your bank for more information.
Most post offices in Japan operate from 9:00 to 17:00 on weekdays, but hours may be shorter or the office may be closed on Saturdays and Sundays.
If you're looking for a Japan Post Bank ATM, keep an eye out for the symbol displayed on the machine.
For more information about Japan Post Bank's international ATM services, visit their website at www.jp-bank.japanpost.jp/en/ias/en_ias_index.html.
Readers also liked: Identify Credit Card Type by Number
Using Credit Cards in Japan
You can use credit cards in Japan, but it's not as straightforward as you might think. Some ATMs, like PLUS ATM machines, allow cash withdrawals, and most ATMs with VISA or MasterCard logos also work.
Credit cards are widely accepted at stores where credit card payment is taken, especially for purchases like Shinkansen tickets. However, it's essential to note that not all stores accept credit cards, so it's always a good idea to have cash on hand.
For your interest: Visa Prepaid Card Withdraw Cash
VISA and MasterCard are the most widely accepted credit cards in Japan, followed by Japan's own credit card brand, JCB. American Express and DinersClub cards are also accepted, but not as widely as the others.
You can use your UK credit card throughout Japan, which is a relief for international travelers. However, it's worth noting that some merchants might prefer cash-only transactions, especially in areas like Hokkaido and Kyoto.
If you're planning to use contactless payments, you'll find that they do exist in Japan, but they're still relatively uncommon. Look for the contactless symbol displayed at stores that support it, and consider using a Wise card or virtual card for contactless transactions.
In general, it's a good idea to have a mix of credit and debit cards, as well as some cash, to ensure you can make purchases and withdrawals as needed.
Related reading: How to Accept Credit Card Payments for Personal Use
Alternative Payment Options
In Japan, there are alternative payment options beyond traditional cards and cash. Mobile payment is a popular option, but it can be complicated for tourists, especially since most require a Japanese phone number.
Some popular mobile payment options include PayPay, MerPay, Line Pay, and Rakuten Pay. If you get a Japanese number or sim card, topping up your payment app at an ATM can make it easier to use.
For tourists without a Japanese phone number, the Wise virtual card is a great digital option that offers top-notch security, including the ability to freeze your card after every transaction. Suica and Pasmo IC cards can also be added to your Apple Pay wallet, making digital payment possible.
Cash
Cash is still the most popular payment method in Japan, especially in the countryside where cards and cashless ways of paying are less common.
You can pay cash for most things, including taxis, convenience stores, and vending machines. In fact, cash is often preferred when visiting shrines and temples.
Some places, like museums and castles, accept both cash and cards, but you can always pay with cash if you prefer.
Here's a rundown of some common situations where you can expect to pay with cash:
Other Payment Methods
In Japan, you can also use other payment methods besides traditional cards and cash.
One such method is mobile payments, which are widely accepted in many stores and restaurants.
Mobile payments are convenient and can be made with just a few taps on your phone.
Many Japanese people use mobile payments to make purchases, especially for small amounts.
Some popular mobile payment methods in Japan include Apple Pay and Google Pay.
These services allow you to link your credit or debit card to your phone and make payments with just your phone.
You can also use mobile payments to make transactions at vending machines and ticket machines.
Mobile payments are becoming increasingly popular in Japan, and many stores now accept them.
This makes it easy to make purchases without carrying cash or cards.
Other mobile payment methods in Japan include Suica and Pasmo, which are specific to the country's public transportation system.
These cards can be used to pay for train fares, bus tickets, and other transportation costs.
They can also be used to make purchases at some stores and restaurants.
Suica and Pasmo cards are convenient and easy to use, making them a popular choice for many Japanese people.
Suggestion: Accept Credit Card Payments by Phone
Reasons to Use Debit

Using your debit card in Japan is a convenient option, especially in big cities where cards are widely accepted. You can use your UK debit card in Japan, so there's no need to worry about carrying a separate card.
Cash is still the most popular payment method in Japan, especially in rural areas where cards may not be accepted. It's a good idea to have some cash on you, especially when visiting smaller towns.
You can use your debit card for pretty much anything in big Japanese cities, making it a great option for short stays. However, it's always a good idea to have some Japanese yen in cash, just in case you want to visit a cash-only tourist attraction.
See what others are reading: Rental Car Companies That Accept Prepaid Debit Cards
Payment Infrastructure in Japan
In Japan, you can pay for things using more than just cash and traditional cards. Besides the traditional cards and cash, other payment methods are available in Japan.
Japan has a well-developed payment infrastructure that supports a range of alternative payment options. Other payment methods in Japan include those beyond just cards and cash.
Many businesses in Japan accept mobile payments, which can be made using smartphones. These mobile payments can be a convenient and secure way to make purchases.
Featured Images: pexels.com


