Japan is a land of cultural wonders, high-tech cities, and world-class cuisine. But before you pack your bags, there are important things to know before traveling to Japan—especially when it comes to how you’ll pay for goods and services. Despite its global reputation for cutting-edge innovation, payment methods in Japan can still be surprisingly traditional. Understanding the country’s unique mix of cash culture, credit card acceptance, and limited mobile payment options is essential for a smooth travel experience.
Here’s everything you need to know about using credit cards, mobile payments, cash, and ATMs during your trip to Japan.
1. Japan Is Still a Cash-Friendly Society
Although Japan has made significant progress in adopting digital payments in recent years, cash remains king—especially outside major urban centers. Many small shops, traditional inns, street vendors, and local attractions still only accept cash.
One of the most important things to know before traveling to Japan is that cash is accepted in nearly 100% of situations, from rural noodle shops to major train stations and convenience stores. It’s the most universally reliable method of payment across the country.
Tip:
Always carry a reasonable amount of Japanese yen, especially when visiting temples, rural towns, or mom-and-pop eateries.
2. Credit Cards Are Widely Accepted—But Not Always
Large stores, department chains, convenience stores, and hotels generally accept credit cards. However, acceptance can vary depending on the card type:
- VISA – Most widely accepted
- JCB – Popular among domestic merchants
- MasterCard – Widely accepted, though less so than VISA
- UnionPay (銀聯) – Accepted at some major chains but not consistently
Pro tip: If you have a VISA card that doesn’t randomly freeze due to overseas activity, it can be your primary method of payment. Otherwise, bring enough backup cash just in case.
3. QR Code Payments: Limited Use for Foreigners
Japan has its own set of QR code payment platforms such as PayPay, Rakuten Pay, and dBarai, which are commonly accepted at major retailers and convenience stores. However, these services are tied to Japanese mobile numbers, local bank accounts, and sometimes residence cards, making them difficult or impossible to register for short-term visitors.
That said, some merchants—especially in major cities like Tokyo—do support certain foreign QR code payment apps, such as Alipay, LINE Pay Global, or Kakao Pay. If you already use one of these apps, there is a chance you can complete payment by scanning the merchant’s QR code. Still, support is inconsistent and cannot be guaranteed.
Bottom line:
Don’t rely on QR code payments as your primary method. Bring credit cards and cash as your main options.
4. ATMs in Japan: Where and How to Withdraw Cash
If you’re carrying an international debit or credit card, withdrawing Japanese yen from an ATM is often the most convenient way to access local currency. The best choice is:
- 7-Eleven ATMs (Seven Bank) – These ATMs are typically located inside 7-Eleven convenience stores, which are easy to find in urban and suburban areas. Occasionally, you may also encounter standalone Seven Bank ATMs at train stations, airports, or commercial buildings. They support a wide range of foreign cards and allow high withdrawal limits (up to 100,000 yen per transaction).
Other options include ATMs at major Japanese banks such as MUFG, Mizuho, and SMBC. These banks have only recently (as of 2025) begun stabilizing support for overseas cards, and their reliability may vary depending on your bank or card network.
Some convenience store ATMs (e.g. Lawson or FamilyMart) may support fewer card types or have lower withdrawal limits.
5. Prepare for Limited Acceptance at Some Tourist Spots
While major attractions in Tokyo or Osaka tend to accept cards or digital payment, many traditional places like shrines, castles, or onsen towns may not. In particular, older restaurants and local souvenir shops may only accept cash.
Always check before making a purchase or booking, and have enough cash on hand, especially when venturing off the beaten path.
6. Final Payment Tips for Travelers to Know Before Traveling to Japan
- Inform your bank of your travel dates to avoid your card being blocked for security reasons.
- Avoid relying on one card type—carry at least one VISA card and a backup.
- Use cash for small purchases, especially in rural or traditional settings.
- Withdraw cash at 7-Eleven ATMs to maximize compatibility and minimize hassle.
- Don’t count on QR code payments—they are not designed for foreign visitors.
What’s the Best Way to Pay in Japan?
For most travelers from the U.S., Europe, Australia, and other Western countries:
- Use a reliable VISA credit card with no foreign transaction fees.
- Withdraw yen at 7-Eleven ATMs as needed—don’t expect every ATM to work.
- Bring sufficient cash, especially for use in smaller towns or local eateries.
- Avoid depending on QR code apps—foreign versions may work at some stores, but support is inconsistent.
Being prepared with multiple payment methods ensures a smoother, stress-free experience while exploring Japan.
Need help planning your trip to Japan, including budgeting, transportation, or sightseeing? Contact our Japan-based travel experts for personalized advice and support.