Reader Question: what’s the point of Apple Pay My Suica?

A reader asked a very good question: what’s the point of an Apple Pay My Suica? Can’t you already migrate a normal ‘unregistered’ Suica to another device if you loose your device?

There are 3 basic Suica plastic card categories: unregistered, registered (My Suica) and commuter. PASMO and all other major Transit IC card are the same. An unregistered Suica card just spits out of the station kiosk after putting money in and you are on your way, but it cannot be replaced or re-issued if lost. Buy a new one, end of story.

With a registered My Suica card, the customer registers a name and other information on the kiosk touchscreen and if the card is lost it can be re-issued for a fee with the original stored balance intact. It’s Suica insurance. Same deal for Commuter Suica which is registered Suica with a commute plan attached.

Mobile Suica uses the same 3 category card model but Apple Pay Suica changed the game considerably. When a user transfers any flavor of plastic Suica to Apple Pay, the card is permanently linked to the user Apple ID. When a user creates a Suica card in Wallet it creates a My Suica card also attached to Apple ID. Apple Pay Suica cards also seem to be ‘ghost’ registered to Mobile Suica even when the user does not have a Mobile Suica account. Only the Apple Pay and Mobile Suica system elves really know what is going on.

The upside for Apple Pay users is that Apple Pay and Mobile Suica preserve Suica card information so the user can safely remove Suica from Wallet, re-add it, or transfer it to another device at any time. It’s free insurance without the hassle of registering a Mobile Suica account. All Suica card types are treated the same. The downside is that if you want to migrate to Android you have to delete your Mobile Suica account and refund the card, then create a new card and Mobile Suica account for Google Pay Suica. It’s the same deal going migrating the other way.

To answer the reader question regarding the point of Apple Pay My Suica, the point is this: commute plans, auto-charge, Green Car seat purchase. The point of Apple Pay Registered PASMO is similar: commute plans and auto-charge. All this is done via Suica App or PASMO App. If you don’t want those extra services, a plain unregistered Suica or PASMO is all you need.