Apple Pay Japan Card Guide

1️⃣ Apple Pay Suica Guide
2️⃣ Suica Recharge
3️⃣ Suica App
4️⃣ >Apple Pay Japan Card Guide

Japan has the longest history of mobile payments on a large scale thanks to the early cooperation of NTT Docomo and Sony to create Mobile FeliCa and the Osaifu Keitai standard, all in place long before the EMV contactless standard for credit cards came together and got out into Apple Pay. The longer history means that the mobile payments landscape is richer and more complicated than anywhere else.

Inbound Apple Pay Payment Cards
Q. Can I use my credit/debit payment cards issued in other countries for Apple Pay in Japan?
A. This is changing rapidly but it is best to assume that only Japanese issue cards work for Apple Pay in Japan. Payment cards issued in other countries use EMV and do not directly support FeliCa NFC based QUICPay, iD and Suica payment networks. However you can work around this problem easily and plug your cards from home into the Apple Pay Japan network, read on.

With iPhone 8/iPhone X/Apple Watch Series 3, or later, add Suica to Apple Pay and add money to Suica with your Apple Pay payment cards from home. This is highly recommended. Apple Pay Suica works nationwide for transit and store purchases, you add money to Suica with your Apple Pay cards from home. Anywhere, Anytime. Problem solved. Always say ‘Suica’ to the checkout staff, not ‘Apple Pay’.

Stores like Doutor Cafe, McDonald’s, Lawson accept NFC Pay/EMV cards. Support is growing rapidly.

Support for Apple Pay Inbound payment cards is growing rapidly. The problem is knowing beforehand: no comprehensive online resource exists and POS systems are constantly updated. Most of the time you can only confirm what works and what doesn’t at checkout. When you see any of the Visa/Mastercard/Amex contactless acceptance marks at the payment terminal shown below, your Apple Pay cards from home are good for payment. Tell the checkout staff that you want to pay with ‘credit’ or ‘NFC Pay’.

NFC Pay Acceptance Marks
NFC Pay in action on terminal, note the acceptance logos for Visa and Mastercard contactless, the NFC Pay/EMV logo on the reader tap area does not mean the store accepts NFC Pay. Always check the payment logos.

Using Apple Pay Japan Cards

Support Pages
Set up Apple Pay
iD
QUICPay
Using Apple Pay in Japan (if you’re in Japan section)
From the iOS User Guide:

Use Apple Pay at stores in Japan. You must have a model that supports Apple Pay in Japan (iPhone 8/X/Apple Watch Series 3, and later) and either Suica card or credit/debit card issued by a bank in Japan. Let the cashier know if you’re paying with Suica, iD, or QUICPay. Simply look for the logo on your card in Wallet. To use the Suica card that’s set as your Express Transit card, simply hold the top of your iPhone near the reader.

Major Apple Pay Japan Cards
The Japanese issue cards listed below support Apple Pay and can be used at stores displaying QUICPay and iD payment acceptance mark logos at checkout. Suica, iD, and QUICPay are commonly found together. Japanese issue Visa cards do not support Suica Recharge in Wallet but can recharge via the Suica App. NFC dual mode cards that support both FeliCa and NFC Pay/EMV payments, very convenient for seamless Apple Pay international use, are available from Mastercard, American Express and JCB, and are marked accordingly.

Issuer Card Brand FeliCa NFC Pay Suica Recharge In-app & Web
smcc
SMBC
Visa id suica-apply
MC id MC contactless Wallet + App
d-card
Docomo
Visa id suica-apply
MC id MC contactless Wallet + App
Life
Life
Visa id suica-apply
MC id Wallet + App
JCB id Wallet + App
aeon
AEON
Visa id suica-apply
MC id Wallet + App
JCB id Wallet + App
cedyna
Cedyna
Visa id suica-apply
MC id MC contactless Wallet + App
JCB id JCB NFC Wallet + App
pocket
Pocket Card
Visa id suica-apply
MC id Wallet + App
JCB id Wallet + App

MerPay
MC id Wallet + App
Softbank
SoftBank
Visa id suica-apply
JCBJCB JCB QUICPay JCB NFC Wallet + App
AMEXAMEX AMEX QUICPay Amex NFC Wallet + App

Dinners Club
QUICPay suica-apply

Trust Club
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App
MUFG
MUFG
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App
DC Card
DC Card
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App

Nicos Card
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App
Luxury
Luxury Card
MC QUICPay MC contactless Wallet + App
APLUS
APLUS
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App
JCB QUICPay JCB NFC Wallet + App
VIEW
View Card
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App
JCB QUICPay JCB NFC Wallet + App
J-West Card
J-West Card
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App
JCB QUICPay JCB NFC Wallet + App
yahoo
Yahoo Japan
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App
JCB QUICPay JCB NFC Wallet + App
Rakuten
Rakuten
Visa QUICPay suica-apply
MC QUICPay Wallet + App
JCB QUICPay Wallet + App
Orico
Orico
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App
JCB QUICPay JCB NFC Wallet + App
JACCS
JACCS
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App
JCB QUICPay JCB NFC Wallet + App
Saison
Saison
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App
JCB QUICPay JCB NFC Wallet + App
AMEX QUICPay Amex NFC Wallet + App
UC
UC Card
Visa QUICPay suica-apply
MC QUICPay MC contactless Wallet + App
epos
EPOS
Visa QUICPay suica-apply
TS-3
TS Cubic
Visa QUICPay