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PayPay · Launched 2018
Japan's largest QR wallet. It bought the market with a zero merchant fee for its first four years, then began charging, a textbook case of a fee history that starts at nothing.
Taken from the provider's own published pricing. Source: PayPay published merchant rate (1.60%–1.98%).Official site ↗
Online · percentage component
Rates are step functions: each level holds until it is replaced.
Online pricing across every country where this method is available, with the cost on a ¥100 payment for comparison.
| Market | Listed fee | Cost on 100 | Effective | Since | Basis |
|---|---|---|---|---|---|
| Japan | 1.98% | ¥2 | 1.98% | 1 Oct 2021 | Published rate |
Every recorded change, newest first, with the movement from the rate it replaced.
Merchant fees introduced for the first time after three years of free acceptance.
In Japan, on the online channel: 1.98%, in force since 1 Oct 2021 (published rate). Fees differ by market and channel, and the table above lists each one.
It is priced in 1 market here: Japan. A market missing from the list has not been recorded yet, which does not mean PayPay is unavailable there.
It is recorded as next day. Actual timing can depend on cut-off times and on the receiving account.
Not through a chargeback: it has no chargeback process, so a payment is hard to reverse once sent. Check who you are paying before you confirm.
Yes. It is a payment method businesses accept, and the fees shown are what a merchant pays to be paid through it.
