PayPay (Japan)
Country: Japan (JP) | Payment Rail: digital_wallet
DigitalWallet
Market Adoption: 85%
PayPay is SoftBank/Yahoo's dominant mobile QR digital wallet in Japan with over 60 million registered users and recurring mandate support.
🔄 User Payment Flow
- Customer selects PayPay at checkout
- Checkout opens PayPay mobile app via app deep link or presents QR code
- Customer approves transaction using PayPay PIN or biometric auth
- PayPay deducts wallet balance / linked bank account and confirms to merchant
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | YES |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant API requests payment session from acquiring gateway (Stripe / Adyen / PayPay API)
- PSP issues payment token and PayPay deep link payload
- PSP receives PayPay clearing webhook notification and confirms order status
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 Stripe🔌 Adyen