PayPay Terms of Use

PayPay Service Terms of Use

Terms of Use Part 1 General Guidelines

The general guidelines apply to all persons who utilise the services of PayPay Corporation (hereinafter referred to as “Our Company”).

Chapter 1 General Provisions

1. Utilisation of Our Company’s Services

A person may use Our Company’s services by giving its consent to these Terms of Use.
With respect to any service provided free of charge, a person will be deemed to have agreed to the General Guidelines under Part 1 of these Terms of Use by actual utilisation instead of a process of giving consent.

2. Warranties and Changes Relating to Services

Our Company disclaims any warranty that the contents of services provided by Our Company is free of any defects and bugs.
Further, Our Company may, without giving any prior notice to the users, change contents or specifications of services, or suspend or discontinue the provision thereof.

3. Restriction of Utilisation of Services

Our Company may make a condition on utilisation of services, such as limiting the range of persons who may utilise the services: to the persons who have registered the PayPay account (meaning an account for the services which Our Company provides; hereinafter referred to as the “Account”), to the persons certain years of age and older, or to the users who meet a certain requirement by passing the procedure prescribed by Our Company such as an identity verification.
Further, Our Company prohibits members of anti-social force (including any person who was such member at any point in its past) and their affiliates, persons who are likely to launder money or otherwise abuse services, or users who bring troubles on third parties from utilising services.

4. Registered Information of the Account

It is the user’s obligation in the case of registering the Account that (1) registering true and accurate information, and (2) correcting the registered items by the user itself as necessary so as to be updated.

5. Users’ Responsibility Relating to the Account, Password, etc.

With respect to any login via any authentication method for specifying the users which are publicised on Our Company’s website or application (including, but not limited to, any authentication by confirmation of its correspondence between the registered information and, the combination of the Account and password or the code uniquely given to each mobile phone number sent by a mobile phone carrier), Our Company deems it the utilisation by such user itself. If any fee or charge (regardless of its name such as charge, fee, expenses or others with respect to the utilisation of Our Company’s services, and including user’s debt which any third party has outsourced its collection to Our Company; hereinafter referred to as the “Charge”) arises from utilisation of services, purchase of products, etc., Our Company will claim it to such user.

6. Compliance Rules on Utilising Services

Users are prohibited from doing any of the following acts (including any act provoking it or preparing for it) with respect to utilisation of Our Company’s services.

Any act which violates the laws and regulations of Japan or any country or region where the user is located at the time of utilisation.

Any act of posting, publishing, disclosing, providing or transmitting (hereinafter collectively referred to as “posting etc.”) of something which: violates the laws and regulations, societal norms or public policy; infringes any rights of Our Company or a third party; brings any trouble on a third party; or is otherwise inappropriate, such as the following acts etc.

Act of posting etc. of false information intentionally.

Act of posting etc. of same comments intentionally at many times.

Act of posting etc. of enquiries or complaints relating to Our Company’s services, function of such services, and accuracy of information provided by such services.

Act of posting etc. of something containing any information by which an individual can be identified such as a photo of principal, name of a third party, email address, address, phone number or person under recognisable condition, etc. (including, but not limited to, the cases that it is used in a name of the poster or contents of the post).

Act of posting etc. of something containing any advertisement, commercial message or marketing, public offices election campaign, proselytising of certain thought or religion, or similar contents.

Act of posting etc. of something containing contents that grossly provokes or foments unruliness, brutality or crime on children or youths, and interferes with their healthy development.

Act of posting etc. of indecent information, harmful information for youths, and information relating to association with a person of opposite sex.

Act of posting etc. of something in which any oppressiveness or threat against any third party is found.

Act of posting etc. of something containing any discriminatory expression.

Act of posting etc. of something containing any contents which is or may be against a subject or purpose of Our Company’s services.

Act of posting etc. of something containing any garbled or grotesque contents.

Act of posting etc. of something containing any contents which intentionally leads someone to misunderstand that products or services are superior such as an act of ‘decoy’ etc.

Act of posting etc. of something containing any contents which defames competing products or services for the purpose of destruction of its confidence.

Act of posting etc. of program etc. which destroys or obstructs functions of software, hardware, etc. under other user’s use.

Otherwise, act of posting etc. of something which Our Company determines that is inappropriate contents or expression for Our Company’s services.

Any act which destroys or obstructs functions of Our Company’s server or network.

Any act of unduly accessing to Our Company’s computer such as a server etc., or sending a spam email, chain letter, junk email, etc.

Any act of collecting or storing other user’s Personal Information, Personal Data (as defined in the Privacy Policy prescribed by Our Company), etc. without such user’s permission.

Any act of utilising services for any purpose other than the intrinsic purpose of provision of services in the light of intention of provision such as money laundering, cashing purpose, etc.

Any act of utilising services using other user’s Account.

Any act of, regardless of its means, acquiring password from any third party, or disclosing or providing password to any third party.

Any act of, relating to Our Company’s services, directly or indirectly providing benefit to anti-social force.

Any act of which purpose is fraud.

Any act of utilising Our Company’s services by any process other than the process which Our Company has approved.

Any act of modifying Our Company’s services without permission.

Any act of: discriminating or defaming Our Company or any third party; impairing honour, privacy, etc.; or having a risk thereof.

Any act which obstructs Our Company’s services or advertisement distributed by Our Company, or any services or advertisement provided on Our Company’s website and Our Company’s application.

Any act which infringes or may infringe portrait right, copyright, trademark right or other intellectual property right of Our Company or any third party.

Any act which relates to criminal act.

Any act which is likely to impair reputation of Our Company, Our Company’s affiliated company or Our Company’s alliance partner.

Any other act which violates or may violate the laws and regulations, public policy or these Terms of Use.

7. Prohibition of Reuse of Our Company’s Services Etc.

In the event that a user utilises Our Company’s services or any data which consists them beyond purpose of provision of services, Our Company shall have a right to preclude such acts and demand the amount equivalent to the benefit which such user has acquired.

8. Compensation to Our Company

In the event that Our Company has borne any cost or paid any compensation in connection with the complaint caused by a user’s act, such user shall bear the cost, compensation, etc. which Our Company has paid (including attorney fees which Our Company has paid).

9. Handling of User’s Data and Contents

Our Company shall not have the obligation to make backups of the data which users have saved to servers managed by Our Company, and each user must make backups by itself.

In the case it is necessary for maintenance, improvement, etc. of Our Company’s services, Our Company may duplicate the data which users have saved in the servers managed by Our Company to the extent necessary for maintenance, improvement, etc. services.
With respect to any contents which a user has made posting etc. on any service to which unspecified or large number of users can access such as electric bulletin board systems, copyright thereof will belong to such user or copyright holders of such contents.
With respect to any contents which a user has made posting etc. on Our Company’s services, copyright thereof will belong to such user, and such user must warrant that such contents are such user’s own creation and they are not involved with any third party’s copyright or other rights; provided, that in the cases that it is exceptionally necessary so such contents contain a third party’s copyrighted material etc., it must be assumed and warranted that such user processes necessary rights-handling with its own responsibility and at its own expense.

A user is deemed to grant Our Company a non-compensatory and non-exclusive right of utilisation (including duplicating, screening, publicly transmitting, exhibiting, distributing, transferring, lending, translating, adapting and publishing) of the contents which such user has made posting etc., inside or outside of Japan with no time limit (including right to sublicense).
Further, such users shall not exercise a moral right of author.

10. Posting of Advertisement

Our Company may post advertisements of Our Company or any third party who has requested Our Company to post it, on the services or software which Our Company provides.

11. Deletion of Posting Etc., Cease of Utilisation of Services, Deletion of the Account

Our Company may, in order to properly operate the services which it provides, in the event that it falls into any of the following items, implement measures such as deleting any data or contents, denying utilisation of all or part of Our Company’s services or deleting any user’s Account, without any prior notice.
Our Company may perform identity verification which Our Company determines it is necessary to confirm that a user does not fall into any of the following items, and implement measures such as denial of access to all or part of services, cease of utilisation, etc. until completion of such identity verification.
Further, if any user’s Account is deleted, PayPay Balance, usage history and any and all other rights and information of such user recorded in such Account will be erased.

In the event that such user violates these Terms of Use or any other matters stipulated in any terms applied to such user, or Our Company determines that there is a suspicion thereof.

In the event that delay payment has occurred with respect to any Charge which should be paid to Our Company.

In the event that utilisation of credit cards or bank accounts designated as settlement method for the Charge in PayPay Wallet (meaning the service which Our Company provides and by which users can register and manage their payment method, the same applies hereinafter) is suspended.

In the event that Our Company determines that the creditworthiness of such user has worsened, such as the cases that petition to bankruptcy or civil rehabilitation is made against such user, such user made any of them by itself, etc.

In the event that the Account has been registered or used by any anti-social force, its members or affiliates, or in the event that Our Company determines that there is a suspicion thereof.

In the case of the passage of ten (10) years commencing on the date on which the latest change has occurred on a user’s PayPay Balance (meaning what stipulated in these Terms of Use, Part 2, Chapter 1, Article 1, item 13); provided, however, that if such user’s Account will be deleted for this cause, Our Company will give a notice to such user in advance.

In the event that such user passed away.

In the event that such user utilises more than two Accounts in order to unduly acquire the benefit given by a campaign etc.

In the event that Our Company’s service is utilised for any wrongdoing such as money laundering etc., or in the event that Our Company determines that there is a suspicion thereof.

In the event that Our Company determines that it is difficult to sustain the contract between Our Company and such user, such as the case that a trust relationship between such user has lost, etc.

12. Disclaimers

Our Company disclaims any warranty on the following items. A user must, when it utilises Our Company’s services, evaluate by itself a usefulness etc. of the information or services provided via Our Company’s services, and utilise it on its own responsibility.

Usefulness, adequateness, completeness, accuracy, safety, lawfulness, newness, etc. of all information provided via Our Company’s services (including any and all information etc. existing in a linked website managed and operated by any third party which is displayed on Our Company’s services as Our Company’s services, the same applies hereinafter).

Any and all matters relating to negotiation or reservation, or offer or execution of contracts by users with any third parties, etc. using information provided via Our Company’s services.

Our Company’s services, and products, services, information, etc. which can be acquired via Our Company’s services are suitable for a user’s request or expectations.

Any failure, error or interference will not occur on provision of Our Company’s services.

Any of email, web contents, etc. which is sent relating to Our Company’s services does not contain any harmful materials such as computer virus, etc.

Our Company shall never assumes any and all liability for any and all damage caused from a user’s utilisation of Our Company’s services (including, but not limited to, provision of information by Our Company or any third party, etc. relating to these) or unavailability of utilisation (including, but not limited to, any damage stipulated in each item of this paragraph and any and all disadvantage including any damage, emotional distress or other monetary loss which users or third parties suffered in accordance with preceding paragraph), except for Our Company’s willful misconduct or gross negligence.

Any damage which a user suffered due to any act conducted via Our Company’s services such as downloading of contents provided by any third party, and accessing to linked website which any third party manages and operates, etc.

Any damage which a user suffered due to any wrongdoings such as an unauthorised modification to Our Company’s services, unauthorised access to any data relating to Our Company’s services, mixture of computer virus, etc. although Our Company has implemented adequate security measures.

Any damage caused by suspension, delay, discontinue, loss of data, etc. of Our Company’s server or system or Our Company’s services due to: force majeure such as natural disaster, fire, power failure , etc.; system maintenance; or failure, etc. of communication line or computer.

Any damage caused by a trouble arose between a user and a third party on utilising services.

In the event that the contracts for utilisation of Our Company’s services subject to these Terms of Use with users fall into the consumer contract stipulated in the Consumer Contract Act, the disclaimer in above (2) does not apply; in such a case, Our Company assumes liability to compensate damage within the damages ordinarily incurred from it and up to the amount of the Charge in the case of paid services (or, in the case of continuing services, equivalent to the amount for one (1) month), except for the cases that it is caused by Our Company’s willful misconduct or gross negligence.

With respect to any contents which a user has made posting etc., Our Company does not have any responsibility to always monitor such contents or delete certain posted contents.

12A. Mini-Application Provided by Merchant Stores

Users may additionally utilise the applications (hereinafter referred to as the “Mini-Application”) developed by any third party developer (hereinafter referred to as the “Mini-Application Merchant Store”) on PayPay application. The Mini-Application will be directly provided to users by the Mini-Application Merchant Store with its name and on its own responsibility, and users will utilise it under the contract directly executed with such Mini-Application Merchant Store. Our Company never makes any warranty and assumes any responsibility on quality, trustworthiness, adequateness, etc. of the Mini-Application. Users must check terms of use of the Mini-Application prescribed by the Mini-Application Merchant Store, and utilise it on users’ own responsibility. In the event that any problem relating to user’s utilisation of the Mini-Application occurs, such user must resolve it between such user and the Mini-Application Merchant Store based on the terms of use of the Mini-Application prescribed by the Mini-Application Merchant Store.
Further, Our Company may review contents of the Mini-Application provided by the Mini-Application Merchant Store in order to check whether it complies with the policies prescribed by Our Company or applicable laws and regulations, as needed; provided, that Our Company does not have any obligation to do so.

Our Company reserves a right to delete or discontinue the Mini-Application which is available on PayPay application pursuant to these Terms of Use at Our Company’s discretion without giving any notice to users.

13. Conditions of Use for Individual Services

Some specific services of Our Company may have conditions of use specific to such service together with general guidelines.
In the event that general guidelines stipulated in these Terms of Use, Part 1 and the conditions of use specific to each service including conditions of use for individual services stipulated in these Terms of Use, Part 2 differ, the conditions of use specific to such service will prevail over the general guidelines with respect to such services as long as it has no special provision.

14. Revision on Terms of Use

Our Company may, if it determines that it is necessary, revise these Terms of Use at any time without giving any prior notice to users; provided, that if it materially affects the active users, Our Company will take a reasonable prior notice period in advance.

15. Notice or Contact

If a user desires to contact Our Company, such user must contact via an enquiries page which Our Company prepared, or by calling to the phone number or sending email to the email address which Our Company specifies.

16. No Assignment of Rights and Obligations, Etc.

A user shall not, with respect to all contracts based on these Terms of Use, assign its contractual position and all or part of rights and obligations arose from these to any third party, without Our Company’s prior written approval.

17. Governing Law, Jurisdiction

These Terms of Use are governed by the laws of Japan with respect to its execution, validity and construction.
The Tokyo District Court has exclusive jurisdiction for the first-instance over any dispute that arises between Our Company and users caused by or in connection with Our Company’s services (including posted contents and advertisements) or software.

18. Limitation of Application of Terms of Use

In the event that any provision in these Terms of Use goes against the related laws and regulations which apply to contracts with users based on these Terms of Use, such provision will not apply to such contract with users only to such extent; provided, in such a case, it will not affect the validity of other provisions in these Terms of Use.

Chapter 2 Rules (Guidelines) for PayPay Wallet

1. Registration of Payment Method

In the case of utilising any services which requires payment of the Charge to Our Company, it is necessary that the payment method for the Charge should be registered to PayPay Wallet, with a few exceptions.
A user must, if any of its registered items of PayPay Wallet has been changed, immediately take a procedure of change.

2. Limitation

Credit cards issuers (type) and bank accounts which are available to register to PayPay Wallet are limited to those having been determined by Our Company in advance, and which must exist under its own name.
Our Company may, if it determines necessary, set a spending limit with respect to the total amount of the Charge which users can make a payment by using PayPay Wallet.

3. Receiving Agent and Subcontracting

In the event that a user designates PayPay Wallet as payment method of the Charge for a transaction which arose between any provider of products or services other than Our Company and such user, Our Company will receive the Charge of such products or services from such user based on a contract with a provider of products or services on behalf of such provider of products or services.
In such a case, a user is deemed to have completed a debt payment of the Charge of products or services when it completes payment to Our Company.
Our Company may subcontract all or part of its receiving agent service to any receiving agent operator with imposing confidentiality obligations.
Our Company also may subcontract all or part of its payment service of reward, compensation, refund, etc. to users, to any business outsourcee with imposing confidentiality obligations.

4. Payment via PayPay Wallet Using Bar Code Etc.

In the event that a user makes any payment for the Charge of products or services via the payment method registered to PayPay Wallet by using any numbers, symbols or other codes such as bar code, QR code, etc., in addition to these Terms of Use, Chapter 1 “Special Provisions for PayPay Wallet” in Part 2 conditions of use for individual services of these Terms of Use, apply.

4A. Payment via PayPay Wallet on Internet

In the event that a user makes any payment for the Charge of products or services via the payment method registered to PayPay Wallet on internet, in addition to these Terms of Use, Chapter 1 “Special Provisions for PayPay Wallet” in Part 2 conditions of use for individual services of these Terms of Use, apply.

5. Demand and Payment

In the case of utilisation of products or services which Our Company provides, cut-off date of utilisation will occur on the last day of every month in principle and Our Company will demand for it on the day in the succeeding month which Our Company publicises on website or application.
Regarding the cut-off date of payment request in the case of utilisation of credit card payment, users are required to check it by contacting each credit card issuer.
Our Company will not issue any receipt etc. with respect to payment by using PayPay Wallet which is made by a user.

6. Cease of Utilisation of PayPay Wallet

A user may, if it desires to cease utilisation of PayPay Wallet, cease it at any time subject to procedure prescribed by Our Company; provided, that in the case that such user is subscribing any paid services, it cannot cease utilisation of PayPay Wallet unless it takes termination procedures for all paid services.

7. Extent of Our Company’s Responsibility

Except for the products or services which Our Company provides, Our Company will not enter into any contract with users with respect to any products or services which users purchase or utilise.
In the case that a user cease to utilise PayPay Wallet, registered information such as registered credit card or bank account contains any imperfection, and a user is not able to make payment or receipt due to any reasons attributable to such users, Our Company will not assume any liability for such user’s damage.

8. Assignment of Claims

In the event that a user delays its payment to Our Company, Our Company may assign its claims to any third parties.

Chapter 3 Rules (Guidelines) for Software

1. Software

These guidelines apply to any software which Our Company provides.
In this Chapter, the software means: any application program which Our Company provides (including programs such as widget etc.); any application programming interface (API) for Our Company’s web service; any development supporting tool (including services provided via this such as Our Company’s web service etc.) such as software development kit (SDK); any software necessary for utilisation of services which Our Company provides such as contents viewer etc.; and all other software which Our Company provides (including updated version, modified version, replacements and duplicates).
Further, the software includes those which users can develop by themselves by using these.
With respect to any software component which any user developed by itself by using such software (hereinafter referred to as the “Developed Software”), such user shall assume any and all responsibility.

2. Restrictions on Utilisation

Our Company may, without giving any notice to users, restrict utilisation of the software or specific function (e.g., limiting number of times of access, access time, etc. to Our Company’s services via the software, etc.) at its discretion at any time.
Further, any support and any provision of modified version (including updated version) relating to the software are performed at Our Company’s discretion, and such support or provision may be terminated without giving any notice to users in advance.

3. Compliance Rules Relating to the Software

Any act stipulated in the following items are prohibited on utilising the software.

Reverse engineering, disassembling or decoding source code using any other method.

Utilising the software in order to control or do something on equipment etc. which may pose a serious danger to human life and body or fortune.

Utilising by itself or having any third party to utilise the software or the Developed Software for the purpose of acquiring considerations.

Selling, leasing out, or granting any right on the software without obtaining prior approval in a written form or other means which Our Company specifies.

Utilising, abusing, etc. beyond the reasonably necessary adequate times, or utilising the software in a manner which does not comply with directions etc. prescribed by Our Company with respect to usage of the software.

Utilising the software in a way outside the scope of the purpose of provision of the software, or utilising the software in a manner or behaviour which Our Company considers inappropriate.

4. Rights

The software, executable files and otherwise any and all rights relating to software shall belong to Our Company or Our Company’s alliance partner which owns copyright of such software; provided, that in the event that a user acquires any right relating to the Developed Software subject to the Copyright Act, the first sentence will not apply with respect to such right.

5. No Warranty

According to Chapter 1 General Provisions, with respect to the software provided by Our Company, Our Company disclaims any and all warranties on non-existence of any error or bug, logical error, failure, suspension or other defect therein, and its trustworthiness, accuracy, completeness and effectiveness.
Regardless whether expressed or implied, the software will be provided with the condition of Our Company’s possession at the time of its provision (as-is basis), and Our Company disclaims any and all warranty on its suitability for any specific purpose, usefulness (benefit), security, title and non-infringement.

6. Special Provisions Relating to API

In the case of utilisation of the API which Our Company provides, the following Special Provisions will apply.

If a user develops any software by using the API which Our Company provides, it shall observe the “guidelines for display of credit” and the “rules for a position of credit”.

A user shall attach an application ID, etc. prescribed by Our Company in order to specify the Developed Software, to the Developed Software. Information such as an application ID etc. will be transmitted to Our Company in the case of utilisation of the Developed Software developed by a user.

Terms of Use Part 2 Conditions of Use for Individual Services

Chapter 1 Special Provisions for PayPay Wallet

Special Provisions for PayPay Wallet (hereinafter referred to as these “Special Provisions”) stipulate about the settlement services which PayPay Corporation (hereinafter referred to as “Our Company”) provides (hereinafter referred to as these “Services”) such as: settlement service using the Bar Code stipulated in item 3 of Article 1 which Our Company provides as a function of PayPay Wallet; the Online Settlement Services stipulated in item 4 of Article 1; etc. The provisions in Part 1 and these Special Provisions will apply to utilisation of these Services, and if there are any provisions which contradict or conflict each other between the provisions in Part 1 and these Special Provisions, these Special Provisions will prevail. With respect to utilisation of these Services by using the Card, the Users shall observe, in addition to these Special Provisions, the terms and conditions prescribed by the company which provides settlement means registered to PayPay Wallet such as each of the terms and conditions of the Card membership and other terms and conditions which will apply to such Card prescribed by the Card Issuer etc.

Article 1 Definitions

Definitions of the terms used in these Special Provisions are set forth in the following, or otherwise as stipulated in Part 1.

“Bar Code Reading Settlement Services” means these Services on which the Users can settle payments via PayPay Wallet by reading a Bar Code pursuant to Article 3, paragraph 1.

“Bar Code Presenting Settlement Services” means these Services on which the Users can settle payments via PayPay Wallet by presenting the Bar Code pursuant to Article 3, paragraph 2.

“Bar Code” means any numbers, symbols or other codes such as bar code, QR Code, etc. which records information for specifying the Merchant or the User or other information necessary for settlement by these Services (“QR Code” is a registered trademark of DENSO WAVE INCORPORATED).

“Online Settlement Services” means these Services on which the Users can settle payments via the methods stipulated in item 5 to item 8 of this Article pursuant to each paragraph of Article 3A.

“QR Code Reading” means a method to settle payments by reading QR Code displayed on a personal computer, mobile phone device, tablet device or other devices by the Terminal Device.

“Application Settlement” means a method to settle payments by performing an operation prescribed by Our Company on Our Company’s application.

“Merchant Website Settlement” means a method to settle payments occurred on the Merchant’s application or website after conducting personal authentication such as entering password thereon.

“Internet Settlement” means a method to settle payments occurred on Our Company’s website after moving from the Merchant’s application or website to Our Company’s website.

“User” means the person who utilises or is willing to utilise these Services subject to these Special Provisions.

“Merchant” means the person or entity who has entered into a member store contract with Our Company or entered into a member store contract prescribed by Our Company and then being permitted by Our Company to make settlements of payment for products or rights sold by it or services provided by it using these Services.

“Products, etc.” means any products or rights sold by the Merchant, any services provided by it, etc.

“Charge for the Products, etc.” means sales price or consideration for provision of the Products, etc. (including taxes imposed on the Products, etc., shipping cost and any other fee which Our Company approved), or any other money which the User should pay to the Merchant.

“Terminal Device” means any mobile phone device, tablet device or other devices which is able to read the Bar Codes and display the Bar Codes, or which is connected to internet, owned or managed by the User.

“PayPay Money” means any electronic or magnetic record which is able to use for the payment of price for the Products, etc. and is able to be transferred and paid out, and which is issued by Our Company.

“PayPay Money Lite” means any prepaid payment instruments which Our Company issues (including the Prepaid Payment Instruments stipulated in paragraph 1 of Article 3 of the Payment Services Act, but Our Company may offer it without any consideration).

“PayPay Bonus” means any PayPay Money Lite which Our Company offers without any consideration according to a condition prescribed by Our Company or alliance partner such as purchasing products which Our Company or alliance partner specifies, and which is not able to be transferred between the Users.

“PayPay Bonus Lite” means any PayPay Bonus which has a validity period prescribed by Our Company.

“PayPay Balance” refers to the whole of PayPay Money, PayPay Money Lite, PayPay Bonus and PayPay Bonus Lite.

“Card” means any card (including any other materials, or numbers, symbols or any other codes) which is able to use for settlement of the Charge for the Products, etc. by presenting or notifying it, and which Our Company specifies.

“Card Issuer” means any legal entity, body or other organisation which issues or grants the Card, or operates services relating to the Card, and which is designated by Our Company.

Article 2 Conditions of Use

The User must fulfil all conditions stipulated in the following items in order to utilise these Services.

Such User has registered the Account.

To enable the Terminal Device which meet the requirements which Our Company specifies to run any application which Our Company specifies.

With respect to utilisation of the Bar Code Reading Settlement Services, a camera of the Terminal Device can read the Bar Code.

With respect to utilisation of the Bar Code Presenting Settlement Services, the User can display the Bar Code on the Terminal Device, and present it to the Merchant in a manner that the Merchant can read it.

In the case of settlement of payments by the Card, the User has registered the valid Card to PayPay Wallet under its own name, and specify it as a payment instrument for these Services.

In the case of settlement of payments by PayPay Balance, the User possesses valid PayPay Balance, and specify it as a payment instrument for these Services.

Not violating PayPay Service Terms of Use, terms and conditions of membership of the Card or PayPay Balance Terms of Use, or there is not a suspicious thereof.

Our Company may make upgrade or otherwise make revision of specifications etc. on applications of these Services which Our Company determines as necessary. In such a case, the User shall use the Terminal Device which is compatible with such revision of specifications etc.

Article 3 Usage of Bar Code Reading Settlement Services and Bar Code Presenting Settlement Services

Our Company provides the function of reading the Bar Code and the function of settling payment subject to Article 4 as the Bar Code Reading Settlement Services. The User will, at the Merchant’s shop, make the Terminal Device read the Bar Code, confirm that the contents displayed on the Terminal Device are accurate, and then request the settlement of the Charge for the Products, etc. by entering any information necessary for the settlement.

Our Company provides the function of displaying the Bar Code on the Terminal Device and the function of settling payment subject to Article 4 as the Bar Code Presenting Settlement Services. The User will request the settlement of the Charge for the Products, etc. by displaying the Bar Code on the Terminal Device and making the Merchant to read such Bar Code.

The Products, etc. will be directly provided to the Users by the Merchant with its name and on its own responsibility, and Our Company never assumes any responsibility on contents, etc. of the Products, etc. The User must check contents of the Products, etc. or the Charge for the Products, etc. on the User’s own responsibility, and then request the settlement. In the event that any problem relating to any contract between the User and the Merchant occurs, the User must resolve it between the User and the Merchant based on the contract entered with the Merchant.

Article 3A Usage of the Online Settlement Services

Our Company provides the function of settling payment subject to succeeding Article as the Online Settlement Services. The User will confirm that the contents displayed on the Terminal Device are accurate, and then request the settlement of the Charge for the Products, etc.

In the event that the User utilises the Online Settlement Services, Our Company will provide the settlement means stipulated in the following items as needed.

“Each Time Settlement”: The User orders the Products, etc., and then the Charge for the Products, etc. will be fixed when the Merchant approves such order. Settlement will occur on the day specified by the Merchant.

“Settlement Reservation“: The Charge for the Products, etc. is tentatively fixed when the User orders the Products, etc. and reserves settlement, and the settlement will occur when the Merchant fixes the Charge for the Products, etc. In the case that the Charge for the Products, etc. at the time of fixedness is higher than the Charge for the Products, etc. tentatively fixed, Our Company will notify it to the User promptly, and request confirmation of such Charge for the Products, etc.

“Consecutive Settlement”: The Charge for the Products, etc. will be automatically settled by the payment method which the User specified in advance on the day specified by the Merchant Store.

The Products, etc. will be directly provided to the Users by the Merchant Store with its name and on its own responsibility, and Our Company never assumes any responsibility on contents, etc. of the Products, etc. The User must check contents of the Products, etc. or the Charge for the Products, etc. on the User’s own responsibility, and then request the settlement. In the event that any problem relating to any contract between the User and the Merchant occurs, the User must resolve it between the User and the Merchant based on the contract entered with the Merchant.

Article 4 Payment Method

Payment method which is able to be utilised under these Services is publicised on Our Company’s website or Our Company’s application. The coverage of the Card which is able to be utilised is specified by publicising on Our Company’s website or Our Company’s application. Such coverage may be changed.

With respect to utilisation of the payment method stipulated in the preceding paragraph, Our Company may, after a notice to the User or publication, set a limit on number of times of utilisation of these Services or available amount for a certain period, or confine number of payments of the Card.

Settlement via these Services will be completed at the time stipulated in the following items, and the payment in accordance with terms and conditions of membership of the Card, PayPay Balance Terms of Use, or other terms and conditions, etc. applied to each payment method will be deemed to be completed at such time.

The Bar Code Reading Settlement Services: When Our Company makes it displayable in the usage details to the effect that the settlement has completed.

The Bar Code Presenting Settlement Services: When Our Company notifies the Merchant to the effect that the settlement has completed.

The Online Settlement Services: When Our Company notifies the Merchant to the effect that the settlement has completed.

The User shall check the Charge for the Products, etc., settled amount and payment method promptly after the completion of settlement via these Services (in case of Settlement Reservation or Consecutive Settlement, including after the commencement of utilisation of settlement by such method), and if there is any discrepancy in the amount or the payment method, promptly notify the Merchant to that effect.

Even in the case that the User desires to make settlement via these Services, if the Card Issuer which issued such Card or other corporations which provide each payment method does not approve of utilisation, it may not utilise these Services.

In the case that settlement via these Services has been completed, the User shall pay the amount settled via these Services to corporations which provide each payment method subject to terms and conditions, etc. applied to the Card or other payment method.

Receipt of the Charge for the Products, etc. which the User settles via these Services will be issued by the Merchant.

Article 5 Disclaimers

On utilising these Services, the User shall pay careful attention to entry and check of amount and other necessary information. In the event that the User suffers any damage caused by the User’s typing error of information, failure of the Terminal Device, duplicate payment after the completion of settlement or any other reasons attributable to the User, Our Company never assumes any liability except for the cases that there is any cause attributable to Our Company.

With respect to any utilisation by the User who is authenticated via the authentication method (including, but not limited to, any authentication by confirmation of its correspondence between the registered information and, the combination of the Account and password or the code uniquely given to each mobile phone number sent by a mobile phone carrier) prescribed by Our Company, Our Company deems it the utilisation of these Services by the original person who has registered the Account.

The User shall manage the combination of the Account and password rigidly on its own responsibility, and shall not disclose, provide or leak it to any third parties. In addition, the User shall rigidly manage the Terminal Device to which applications of these Services have been downloaded on its own responsibility, shall not allow any third party to utilise it, and shall set screen lock on the Terminal Device or take measures which make any third party not utilise the Terminal Device equivalent to screen lock. The User shall bear the damage caused by the User violating these and allowing other person to utilise the Terminal Device or letting it utilised by other person, and Our Company shall not assume any liability for that.

The User shall make necessary settings for measures provided by the Terminal Device which disable utilisation of the Terminal Device by remote control, such as locking the Terminal Device or deleting the data on the Terminal Device by remote control, etc. (hereinafter referred to as the “Lock etc. of the Terminal Device”) in advance in case for a missing or a theft of the Terminal Device. In the case of missing or theft of the Terminal Device or otherwise occurrence of possibility of unauthorised utilisation of the User’s Account, or the account for other company’s service etc. which is linked to such Account, such User shall immediately report to that effect to Our Company and the issuer of such account for other company’s service etc., and take measures publicised on Our Company’s website or Our Company’s application as measures to prevent utilisation of these Services by any third party including the Lock etc. of the Terminal Device. The User must conduct in compliance with this paragraph surely, because it cannot prevent the utilisation of these Services by any third party only by reporting to a mobile phone carrier and cease of utilisation of communication line. The User shall bear the damage caused by the User violating these, and Our Company shall not assume any liability for that.

Our Company has no connection with any transaction between the User and the Merchant and contents, quality, etc. of the Products, etc. In the event that the User suffers any damage due to incorrect input, incorrect indication, etc. by the Merchant, the User shall request the Merchant to process refund etc. by itself, and Our Company shall not assume any and all liability for such damage.

Article 6 Utilisation Cease

Other than the events stipulated in PayPay Service Terms of Use or other terms and conditions which applies to the Users, in the event that the User falls into any of the events under following items or Our Company determines that the User is likely to fall into them, Our Company may suspend all or part of utilisation of these Services.

In the event that the User makes false application or registration on utilisation of these Services.

In the event that the User loses any of the conditions of use in Article 2.

In the event that the User makes or tries to make any settlement for these Services by a method other than the procedure stipulated in Article 3.

In the event that the User violates PayPay Service Terms of Use, these Special Provisions or other terms and conditions which applies to the User on utilisation of these Services.

In the event that the User does not perform its debt owing to the Merchant, the Card Issuer or other companies which provide each settlement means.

In the event that Our Company determines that there is any misuse of these Services or the possibility thereof, such as suspicion of utilisation by a person other than the person themselves who has registered the Account.

In the event that Our Company determines that the condition of utilisation of these Services is not proper such as utilising these Services for money laundering, cashing purpose, etc.

Other than the preceding items above, in the event that Our Company determines that the User is inappropriate as the User of these Services in light of behaviour of utilisation of these Services.

Even in the event that the User suffers any damage due to the preceding paragraph, Our Company shall never assumes any and all liability for such damage unless caused by Our Company’s willfull misconduct or gross negligence.

Article 7 Suspension, Terminate and Revision of These Services

In the case of any of the following items, Our Company may temporarily suspend all or part of these Services without giving prior notice to the Users.

In the event that any failure or interference occurs on the application, server, communication line or other equipment necessary for provision of these Services.

In the case of system maintenance, inspection, repair or alteration of server, communication line, power source, structure, etc. which stores them.

In the case of natural disaster, force majeure, fire, power failure, etc.

In the event that these Services are not able to be provided due to the laws and regulations or any measures thereby.

Otherwise in the event that Our Company determines that these Services need to be temporarily suspended.

In the case of each items under the preceding paragraph or the unavoidable circumstances, Our Company may, at any time without giving prior notice to the Users, terminate all or part of these Services or change its contents.

Even in the event that the User suffers any damage due to the preceding two paragraphs, Our Company shall never assumes any and all liability for such damage unless caused by Our Company’s willfull misconduct or gross negligence.

Established on 1 October 2018
Revised on 30 September 2019
Revised on 28 November 2019
Revised on 15 April 2020


Special Provisions for PayPay Pickup

Chapter 2 Special Provisions for PayPay Pickup

These Special Provisions for PayPay Pickup stipulate about the service (hereinafter referred to as “PayPay Pickup”) which enables the Users of PayPay Pickup (as defined in Article 1, item 3) to order the Products, etc. of the Merchants via PayPay application. With respect to utilisation of PayPay Pickup, the provisions in Part 1 and these Special Provisions for PayPay Pickup will apply (provided, as stipulated in Article 1, definitions of the terms are subject to Part 1 and Chapter 1 of Part 2), and if there are any provisions which contradict or conflict each other between the provisions in Part 1 and these Special Provisions for PayPay Pickup, these Special Provisions for PayPay Pickup will prevail.

Article 1 Definitions

Definitions of the terms used in these Special Provisions for PayPay Pickup are set forth in the following, and otherwise subject to what stipulated in Part 1 and Part 2 (hereinafter referred to as the “Special Provisions for Wallet”).

“Order” means the order which the User of PayPay Pickup made to the Merchant for purchase, etc. of the Products, etc. by entering required information which is specified by Our Company on Our Company’s application.

“Acceptance” means to accept the Order given by the Merchant which has received such Order from the User of PayPay Pickup.

“User of PayPay Pickup” means the person who utilises or is willing to utilise PayPay Pickup subject to these Special Provisions for PayPay Pickup.

“Tentative Settlement” means the status that PayPay Balance equivalent to the amount of the Charge of the Object Product etc. defined in paragraph 1 of the succeeding Article is reserved in PayPay Wallet of the User of PayPay Pickup, and the User of PayPay Pickup is not able to use such reserved PayPay Balance for any transaction other than the Charge of the Object Product etc. Then, PayPay Balance of the User of PayPay Pickup displays the amount after deduction of the amount equivalent to the Charge of the Object Product etc. at the time of the Tentative Settlement.

Article 2 Usage

The contract (hereinafter referred to as the “Order Contract”) with respect to the object Product etc. (hereinafter referred to as the “Object Product etc.”) of the Order becomes effective when the User of PayPay Pickup has made such Order of such Object Products etc. to the Merchant through PayPay Pickup and then a notice of the Acceptance of such Order by the Merchant arrives to the User of PayPay Pickup via PayPay application.

Our Company makes the Tentative Settlement for the amount equivalent to the Charge of the Object Product etc. when the Order Contract becomes effective, and finish the settlement for such amount at the earlier of the following (i) or (ii). By the completion of this settlement, the settlement with the Merchant is completed.

When the User of PayPay Pickup gives a Notice of Completion of Receipt stipulated in paragraph 2 of the succeeding Article.

When six (6) hours have passed from the time that the Notice of Readiness of Delivery stipulated in paragraph 1 of the succeeding Article had arrived to the User of PayPay Pickup.

Article 3 Receipt of the Products etc.

In the event that the Order Contract has been executed, the User of PayPay Pickup may receive the Object Product etc. by visiting the specified Merchant’s shop and notifying its reference number to such shop by presenting the Order screen on the Terminal Device, within one (1) hour (hereinafter referred to as the “Receipt Available Time”) from the arrival of the notice (hereinafter referred to as a “Notice of Readiness of Delivery”) by the Merchant to the effect that the Object Product etc. has been ready to be delivered.

The User of PayPay Pickup shall, when it receives the Object Product etc., immediately give a notice to the effect that the receipt has completed (hereinafter referred to as a “Notice of Completion of Receipt”).

The User of PayPay Pickup shall, in advance, consent to disposal of the Object Product etc. if it does not receive the Object Product etc. within the Receipt Available Time.

Article 4 Rescission etc.

The User of PayPay Pickup may rescind the Order only until the Merchant accepts such Order subject to paragraph 1 of Article 2.

When once the Order Contract becomes effective, the User of PayPay Pickup and the Merchant may cancel the Order Contract only if it obtains the other party’s consent, except for the case stipulated in the succeeding paragraph.

The User of PayPay Pickup may, if it does not receive a Notice of Readiness of Delivery from the Merchant within the period prescribed separately from the time of the Order, cancel the Order Contract by giving a notice to the Merchant by a proper manner such as telephone etc.; provided, that Our Company never assumes any responsibility for the cancellation of the Order Contract (including, but not limited to, any trouble such as it cannot reach to the Merchant etc.), except for the cases that there is any cause attributable to Our Company.

In the case that the delivered Object Product etc. of the Order Contract has any defect and does not conform to the terms of the contract thereof, the User of PayPay Pickup may receive a refund or replacement in exchange for such products after contacting the Merchant within three hundred and sixty five (365) days from such delivery.

Article 5 Rescission of the Settlement etc.

In the case that it falls into any of the following (1) to (3), Our Company will rescind the reservation of PayPay Balance applied to the Tentative Settlement with respect to such Order, in a manner prescribed by Our Company, and take the process to enable the User of PayPay Pickup to use such balance to other transactions.

In the case that the Merchant does not give its Acceptance for the Order stipulated in paragraph 1 of Article 2.

In the case that the User of PayPay Pickup rescinded the Order subject to the preceding Article, paragraph 1.

In the case that the Merchant does not give a Notice of Readiness of Delivery after the Order Contract becomes effective even though the period prescribed separately at the time of the Order elapses (regardless whether the User of PayPay Pickup cancels the Order Contract subject to the preceding Article, paragraph 3 or not).

In the case of the preceding Article, paragraph 2, the Merchant shall preform a rescission process within the period prescribed by Our Company on its own responsibility, and Our Company shall not assume any responsibility for such rescission process; provided, that this will not apply for the cases of Our Company’s willful misconduct or gross negligence.

If the User of PayPay Pickup rescinds a settlement after the Order Contract has been cancelled subject to paragraph 2 of the preceding Article, Our Company will handle it subject to Article 3 of the PayPay Balance Terms of Use.

Article 6 Privacy

The User of PayPay Pickup shall agree that Our Company should provide contact information of the User of PayPay Pickup to the Merchant’s shop to which the Order is made to the extent necessary for delivery of the Object Product etc., making contact relating to provision of the Object Product etc., and so on.

Article 7 Disclaimers

On utilising PayPay Pickup, the User of PayPay Pickup shall pay careful attention to entry and check of amount and other necessary information. In the event that the User of PayPay Pickup suffers any damage caused by its typing error of information, malfunction of the Terminal Device, duplicate payment after the completion of settlement or any other reasons attributable to the User of PayPay Pickup, Our Company never assumes any liability unless there is any cause attributable to Our Company.

Any information relating to the Merchant or the Products, etc., estimated time of delivery, etc. displayed on PayPay application is depending on the information provided by such Merchant, and Our Company disclaims any warranty on accuracy, completeness, usefulness, etc. of such information.

The User of PayPay Pickup shall enter into the Order Contract with the Merchant directly on its own responsibility, and make any enquiry, request, etc. relating to the Products, etc. to the Merchant.

In the event that non-performance of obligation, non-conformity of the Products, etc. to the contract, or any other trouble relating to the Products, etc. has occurred between the User of PayPay Pickup and the Merchant, Our Company never assumes any liability unless such trouble has arisen from any cause attributable to Our Company.

Article 8 Prohibitions

On utilising PayPay Pickup, the User of PayPay Pickup is prohibited from doing any act falls into any of the following items.

Any act of making many Orders without intention of receipt from the very beginning.

Any act of rescinding Orders multiple times or sequentially.

Any other act which is or may be harassing or bringing trouble to the Merchant or other third parties.

In the event that the User of PayPay Pickup violates the prohibition stipulated each item of the preceding paragraph, Our Company may, subject to the PayPay Service Terms of Use, take measures such as rejecting the utilisation of all or part of Our Company’s services or deleting the Account. Further, if the Account of any User of PayPay Pickup is deleted, PayPay Balance, usage history and any and all other rights and information of such User of PayPay Pickup recorded in such Account shall be erased.


PayPay Balance Terms of Use

Part 1 General Provisions

Article 1 Range of Application etc.

These Terms stipulate about the handling of utilisation of PayPay Balance (as defined in item 5 of Article 2) provided by PayPay Corporation (hereinafter referred to as “Our Company”). The User (as defined in item 9 of Article 2) shall utilise PayPay Balance after it has consented to these Terms.

If the User is a minor, the User must obtain the consent of its statutory agent to utilise PayPay Balance.

Article 2 Definitions

In these Terms, the following terms have the following meanings.

“PayPay Money Lite” means any prepaid payment instruments which Our Company issues (including the Prepaid Payment Instruments stipulated in paragraph 1 of Article 3 of the Payment Services Act, but Our Company may offer it without any consideration).

“PayPay Bonus” means any PayPay Money Lite which Our Company offers without any consideration according to a condition prescribed by Our Company or alliance partner such as purchasing products which Our Company or alliance partner specifies, and which is not able to be transferred between the Users.

“PayPay Bonus Lite” means any PayPay Bonus which has a validity period prescribed by Our Company.

“PayPay Money” means any electronic or magnetic record which is able to be used for the payment of price for the Products, etc. and is able to be transferred and paid out, and which is issued by Our Company.

“PayPay Balance” refers to the whole of PayPay Money, PayPay Money Lite, PayPay Bonus and PayPay Bonus Lite.

“Account of PayPay Balance” means the account which is necessary to record and store PayPay Balance electronically or magnetically.

“Account of PayPay Money Lite” means the Account of PayPay Balance which is necessary to record and store PayPay Money Lite electronically or magnetically.

“Account of PayPay Money” means the Account of PayPay Balance which is necessary to record and store PayPay Money electronically or magnetically.

“User” means the person who utilises or is willing to utilise PayPay Balance subject to these Terms.

“Merchant” means the person or entity who has entered into a member store contract with Our Company or entered into a member store contract prescribed by Our Company and then being permitted by Our Company to make settlements of payment for products or rights sold by it or services provided by it using PayPay Balance.

“Object Product etc.” means products sold by and services provided by the Merchant and so on.

Article 3 Settlement with PayPay Balance

The User may use PayPay Balance for settlements of payment on the rate of one (1) unit to one (1) yen when purchasing the Object Product etc. from the Merchant; provided, that there may some cases that it cannot use specific balance such as PayPay Money Lite etc. for settlements of payment for the Object Product etc. which the Merchant specifies separately.

The User must select the payment with PayPay Balance in a manner prescribed by Our Company if it desires to make a settlement with PayPay Balance when purchasing the Object Product etc. If the amount of the Charge for the Object Product etc. is within the PayPay Balance recorded to the User’s Account of PayPay Balance, Our Company deducts the PayPay Balance equivalent to the Charge for the Object Product etc. from such User’s Account of PayPay Balance in a manner stipulated in the succeeding paragraph. The User shall be absolved from the obligation to pay the Charge for the Object Product etc. to the Merchant at the time of such deduction.

The deduction stipulated in the preceding paragraph shall be processed in the following order.

PayPay Bonus Lite

PayPay Bonus

PayPay Money Lite

PayPay Money

In the event that the defect of the Object Product etc., non-performance, or any other trouble relating to the transaction settled with PayPay Balance has occurred with the Merchant (excluding Our Company; the same applies hereinafter in this paragraph), the User must resolve it between the User and such Merchant. In such a case, and even if it becomes necessary to cancel the settlement between the User and the Merchant, the User agrees that the refund will be paid by adding PayPay Balance equivalent to the Charge of the Object Product etc. to the Account of PayPay Balance, instead of direct refund of the Charge of the Object Product etc. by the Merchant to the User.

Article 4 Expiration of PayPay Balance, Closing of the Account of PayPay Balance

Our Company sets the validity period of PayPay Balance by the publication made separately.

If the validity period of PayPay Balance elapses, such PayPay Balance becomes expired and not able to be used.

The User may close the Account of PayPay Balance in its possession by the procedure prescribed by Our Company.

In the event that any PayPay Balance remains in the closed Account of PayPay Balance, such PayPay Balance becomes invalid.

Our Company will not refund the amount equivalent to the PayPay Balance which became invalid.

Article 5 No Assignment of Rights and Obligations etc.

The contractual position relating to the Account of PayPay Balance and all or part of rights and obligations thereunder belong to the User, and the User may not assign or lease out these rights, or transfer these as inheritance, to any third party.

Article 6 Cancellation

In the case that the User falls into, or Our Company determines that it falls into, the following items (hereinafter the person who falls into or who Our Company determines falling into is referred to as the “Person Concerned” in this Article), Our Company may, without giving any prior notice or demand to the Person Concerned, immediately suspend the performance of obligations of the Person Concerned with respect to all or part of the contract with Our Company under these Terms such as suspending the utilisation of PayPay Balance and the Account of PayPay Balance by the Person Concerned, or disable PayPay Balance which the Person Concerned possesses or close the Account of PayPay Balance of the Person Concerned. Even if the Person Concerned suffers any damage thereby, Our Company never assumes any and all liability for it, and the User shall agree to this.

In the case that it possesses or utilises the Account of PayPay Balance or PayPay Balance for transferring criminal proceeds stipulated in Article 2 of the Act on Prevention of Transfer of Criminal Proceeds or other unjust purpose.

In the case that it assigns the Account of PayPay Balance, or it exchanges that for money, property or other economic benefit.

In the case that it possesses or utilises the Account of PayPay Balance or PayPay Balance for the purpose of swindling money illegally from Our Company, financial institution or any other third parties, or other undue purpose.

In the case that it violates these Terms or other terms and conditions applied to the User.

In the case that possession or utilisation of the Account of PayPay Balance or PayPay Balance is inappropriate, or otherwise in the case that Our Company determines it is inappropriate, all obligations of the Person Concerned to Our Company (not limited to the obligations under contracts based on these Terms) are automatically accelerated and it shall make payment for all obligations in full by cash to Our Company immediately.

Disablement of PayPay Balance or closure of the Account of PayPay Balance pursuant to paragraph 1 shall not prevent Our Company from claiming compensation for damages against the Person Concerned.

Article 7 Elimination of Anti-Social Force

The User represents that the User itself or its relative does not fall into any of the following at the present time, and pledges that it will not fall into them in future.

An organised crime group.

A member of an organised crime group and a person who was a member of an organised crime group at any point within the past five (5) years.

A quasi-member of an organised crime group.

A related or associated company of an organised crime group.

A corporate racketeer etc., a blackmailer advocating social cause or a special intelligence organised crime group etc.

A coexistent of any of the above items.

Any other person similar to any of the above items.

The User shall pledge that the User itself or its relative does not, whether by itself or make any third party to, take any of the following acts.

Any demand using violence.

Any inappropriate demand beyond legal responsibility.

Any act using threatening behaviour or violence relating to any transaction.

Any act impairing Our Company’s reputation or interfering with Our Company’s business by spreading rumours, or using fraud or forces.

Any other act similar to any of the foregoing items.

Our Company may, if it determines that the User is suspected to have violated any of the items in the preceding paragraph, without giving any prior notice or demand, immediately suspend the performance of Our Company’s obligations with respect to all or part of any and all contracts between Our Company and such User including contracts under these Terms, such as suspending the utilisation of PayPay Balance and the Account of PayPay Balance by such User, and reject to enter all or part of contract.

In the case that the User violates paragraph 1 or paragraph 2 (hereinafter the person who violates is referred to as the “Person Concerned” in this Article), Our Company may, without giving any prior notice or demand, immediately disable the PayPay Balance which the Person Concerned possesses or close the Account of PayPay Balance of the Person Concerned, and with respect to all or part of all contracts between Our Company and the Person Concerned, suspend the performance of Our Company’s obligations or cancel it, without assuming any and all liability.

All obligations of the Person Concerned to Our Company (not limited to the obligations under these Terms) are automatically accelerated and it shall make payment for all obligations in full by cash to Our Company immediately.

Measures pursuant to paragraph 4 shall not prevent Our Company from claiming compensation for damages.

Article 8 Prohibitions on Utilising the Account of PayPay Balance

The User shall not conduct any act stipulated in the following items.

Any act which violates the laws and regulations of Japan or any country or region where the User is located at the time of utilisation.

Any act of posting, publishing, disclosing, providing or transmitting of something which: violates societal norms or public policy; infringes any other person’s right; brings any trouble on other persons.

Any act of using of program etc. which destroys or obstructs functions of software, hardware, etc. under the use of Our Company, financial institution or any other third party.

Any act which destroys or obstructs functions of any server or network of Our Company, financial institution or any other third party.

Any act which obstructs any service of, or advertisement distributed by, Our Company, financial institution or any other third party.

Any act of collecting or storing other user’s Personal Information, History Information and Characteristic Information (as defined in Our Company’s Privacy Policy), etc. without such user’s permission.

Any act of utilising Our Company’s services (including, but not limited to, utilisation of PayPay Balance or the Account of PayPay Balance) for a commercial purpose or any other purpose other than the intrinsic purpose in the light of intention of provision of services.

Any act of utilising services by using other User’s Account of PayPay Balance.

Any act of, regardless of its means, acquiring Account of PayPay Balance or password from any other person, or disclosing or providing password to any other person.

Any act of, relating to Our Company’s services, directly or indirectly providing benefit to anti-social force.

Any act which is supporting or encouraging any act which falls into any of above items.

Any other act which Our Company determines it is inappropriate.

Article 9 Suspension etc. of the Account of PayPay Balance etc.

The User shall, in advance, agree that in the case of any of the following, Our Company may, without giving prior notice to the User, temporarily discontinue or suspend utilisation of PayPay Balance or the Account of PayPay Balance.

In the case of urgent system maintenance of Our Company or any third party which provides communication means.

In the case of natural disaster such as fire, power failure, earthquake, eruption, flood, tsunami, etc. or occurrence of war, terrorism, insurrection, uprising, turmoil, labour dispute, etc.

In the case that the services relating to PayPay Balance are not able to be provided due to the laws and regulations or any measures thereby.

In the case of misuse of PayPay Balance such as counterfeit, alteration, unauthorised creation, etc. or the suspicion thereof.

In the case that Our Company determines that the User falls into the Foreign PEPs etc. by a reasonable ground.

In the case that the User does not answer, within the prescribed period, for the enquiries which Our Company makes to such User from the view of countermeasure for money laundering etc.

In the case that otherwise Our Company determines that temporary discontinuance or suspension is required for the operational or technical reason.

In the case that any of the preceding paragraph or an unavoidable cause occurs, Our Company may, without giving individual notices to the Users, terminate and alter all or part of services relating to PayPay Balance in a manner publicised or notified on Our Company’s application etc. in advance.

In the event that all or part of services relating to PayPay Balance has been terminated pursuant to the preceding paragraph, terminated PayPay Balance will be processed as follows.

PayPay Money
Our Company refund it by paying the amount equivalent to the balance of PayPay Money to the bank account which the User registered for paying out (hereinafter referred to as the “Bank Account for Paying Out”). In such a case, Our Company will deduct the PayPay Money equivalent to paying out fee etc. stipulated in Part 3, Article 4, paragraph 4 from the Account of PayPay Money, and if the balance which the User possesses is not more than paying out fee etc., Our Company does not make refund.

PayPay Money Lite
Our Company takes, in compliance with applicable laws and regulations, refund procedure, etc. of the amount equivalent to the balance of PayPay Money Lite.

PayPay Bonus
Both of PayPay Bonus shall become invalid, and neither be reimbursed nor refunded.

Even in the event that the User suffers any damage due to the preceding two paragraphs, Our Company never assumes any liability for such damage unless caused by Our Company’s willful misconduct or gross negligence.

Article 10 Disclaimer of Our Company

Our Company does not warrant that the contents of the services which Our Company provides are free of factual defect and bug (including any defect or error relating to security etc.) (i.e., completeness). Further, Our Company shall not have the obligation to provide services to the Users with removing such defect or bug.

Our Company never assumes any liability for the damage which the User suffers caused by its utilisation of PayPay Balance except for Our Company’s willful misconduct or gross negligence.

In the event that any provision in these Terms of Use is found to be against the related laws and regulations which apply to contracts with the User based on these Terms of Use, such provision will not apply to such contracts with the User only to such extent; provided, in such a case, it will not affect the validity of other provisions in these Terms of Use.

Even in the case of the preceding paragraph, Our Company never assumes any and all liability for damage which is arising from any special circumstances (including the cases that Our Company or the User foresaw or was able to foresee the occurrence of damage), among the damage which the User suffered and is caused by Our Company’s non-performance or tort. Further, any compensation for damages which the User suffered and is caused by Our Company’s non-performance or tort with negligence (excluding gross negligence) is paid up to the amount of PayPay Balance which such User possesses at the time of such non-performance or tort.

Article 11 Equipment etc.

The User must prepare any communication device, and all other instruments and software necessary for utilisation of PayPay Balance and the Account of PayPay Balance on its own responsibility. The User also must select the communication means and connect to Our Company’s website at its discretion and expenses. Our Company never assumes any responsibility for any instruments, software and communication means (hereinafter referred to as the “Equipment”) which the User selects and uses, and any failure etc. of utilisation of PayPay Balance and the Account of PayPay Balance caused by the Equipment.

Article 12 Communication to the User

Any communication relating to PayPay Balance or the Account of PayPay Balance from Our Company to the User is given by publishing on the proper place in the website operated by Our Company, contacting the email address which is linked to the Account of PayPay Balance, or in other manners which Our Company determines it is proper.

If the User desires to contact Our Company, it must contact the point stipulated in Article 15 or send email to the email address which Our Company specifies.

Article 13 Revision or Repeal of These Terms

Our Company may revise or repeal these Terms due to a change of economic situation, revision or abolition of the laws and regulations, or other circumstances around Our Company.

Our Company will, if it revises or repeals these Terms, notify it by posting on Our Company’s website or Our Company’s application.

In the case of revision of these Terms, if the User continues to utilise PayPay Balance after the revision of these Terms, it is deemed to have consented to such revised Terms.

Article 14 Governing Law, Jurisdiction

These Terms are governed by the laws of Japan with respect to its execution, validity and construction.

The Tokyo District Court has exclusive jurisdiction for the first-instance over any dispute arising out between Our Company and the User caused by or in connection with utilisation of PayPay Balance.

Article 15 Responding to a Complaint etc.

If the User makes any enquiry relating to PayPay Balance, it must enquire by contacting the following point of Our Company.

PayPay customer support desk
Phone number: 0120-990-634
Operating hours: Open for 24 hours

PayPay loss and theft special desk
Phone number: 0120-990-633
Operating hours: Open for 24 hours
Enquiries via email
Help and enquiries on PayPay application

Part 2 PayPay Money Lite, PayPay Bonus

Article 1 Creation of the Account of PayPay Money Lite etc.

The User must, when utilising the Account of PayPay Money Lite, create the Account of PayPay Money Lite by performing the procedure prescribed by Our Company.

The User may not allow any third party to utilise the Account of PayPay Money Lite.

Article 2 No Reimburse etc.

PayPay Money Lite cannot be refunded except for the cases stipulated in the laws and regulations.

The User may not allow any third party to utilise PayPay Money Lite.

Article 3 Purchase (Charge) of PayPay Money Lite

The User can purchase PayPay Money Lite (excluding PayPay Bonus; hereinafter the same applies in this Article) in a manner prescribed by Our Company.

PayPay Money Lite purchased by the User will be recorded to the Account of PayPay Money Lite.

Unit of purchase, limit of purchase per day, the maximum of possession in the Account of PayPay Money Lite, etc. of PayPay Money Lite shall be stipulated in the publication or notice made separately.

When once procedure stipulated in paragraph 1 is completed, the User may not cancel purchase of PayPay Money Lite.

Article 4 Offering of PayPay Bonus

Our Company may offer PayPay Bonus to the User subject to a condition prescribed by Our Company or alliance partner. The details of such condition is publicised on the website or application specified by Our Company.

The PayPay Bonus offered to the User will be recorded on the Account of PayPay Balance, and may not be refunded.

Expiration date, the maximum of possession in the Account of PayPay Balance, etc. of PayPay Bonus shall be stipulated in the publication or notice made separately.

In the event that the settlement with which any PayPay Bonus has been offered is cancelled, Our Company will cancel the offered PayPay Bonus simultaneously. In such a case, if any of the offered PayPay Bonus has been already used, the User shall pay the amount equivalent to the shortfall in a manner of deducting shortfall from PayPay Balance or in other manners which Our Company specifies.

Article 5 Transfer of PayPay Money Lite

The User may transfer PayPay Money Lite (excluding PayPay Bonus; hereinafter the same applies in this Article) recorded in its Account of PayPay Money Lite, in a manner prescribed by Our Company.

Our Company sets the maximum amount of PayPay Money Lite which the User may transfer such as the maximum amount of PayPay Money Lite which is able to transfer per day, the maximum amount of PayPay Money Lite which is able to transfer per transfer, etc., in the publication or notice made separately.

In the event that the person who is willing to transfer PayPay Money Lite (hereinafter referred to as the “Transferor”) has completed the procedure prescribed by Our Company, Our Company deducts the amount of PayPay Money Lite which the Transferor will transfer from the balance of the Transferor’s PayPay Money Lite.

In the event that the person who is going to be a counterparty of a transfer (hereinafter referred to as the “Transferee” in this Part) has completed the procedure prescribed by Our Company, Our Company adds in the amount of PayPay Money Lite which the Transferor will transfer to the Transferee’s Account of PayPay Money Lite at the same time as deduction thereof from the balance of the Transferor’s PayPay Money Lite.

Notwithstanding the preceding paragraph, in the case that the PayPay Money Lite possessed in the Transferee’s Account of PayPay Money Lite should exceed the maximum amount prescribed by Our Company by the transfer of PayPay Money Lite pursuant to the preceding paragraph, or the amount of transfer should exceed each of the maximum amounts stipulated in paragraph 2, Our Company will not perform a transferring procedure of PayPay Money Lite.

Our Company shall not be affected by the invalidity or cancellation of the contract of transfer entered into between the Transferor and the Transferee, and even if the Transferor, the Transferee or any other third party suffer any damage in connection with these, Our Company shall never assume any and all liability for compensation.

In the case that the Transferee does not complete the procedure under paragraph 4 within the period prescribed by Our Company which commences on the day on which the Transferor has completed the procedure under paragraph 3, the transfer procedure of the Transferor’s PayPay Money Lite under paragraph 3 is deemed to be cancelled.

In the case that the User who does not have the Account of PayPay Money receives transfer of PayPay Money from the User who has the Account of PayPay Money, the User who receives such PayPay Money may receive PayPay Money Lite instead of such PayPay Money. In such a case, such User is deemed to automatically purchase PayPay Money Lite in the amount equivalent to received PayPay Money by using it at the same time as the receipt of such PayPay Money without any manifestation of intention, and such PayPay Money Lite will be recorded on the Account of PayPay Money Lite as its balance.

Article 6 Notification etc.

The User shall, in the event that it registers the Account of PayPay Money Lite, notify the following matters to Our Company.

Mobile phone number

Any other matters which Our Company stipulates separately

The User shall notify every latest, authentic and accurate information on the notification under the preceding paragraph.

The User shall, if any of the information notified to Our Company pursuant to paragraph 1 has been changed, promptly notify the changed information to Our Company in a manner prescribed by Our Company.

In the event that the User notifies wrong information or false information on the notification under paragraph 1, or does not notify the changes under the preceding paragraph, even if the User suffered damage caused thereby, Our Company never bears any and all of such damage.

Part 3 PayPay Money

Article 1 Creation of the Account of PayPay Money etc.

The User must, when utilising PayPay Money, create the Account of PayPay Money by performing the procedure prescribed by Our Company, and Our Company will, if determining it is proper by examining contents of such application, approves such creation.

The User may not possess two or more Accounts of PayPay Money. Further, the User may not allow any third party to utilise the Account of PayPay Money.

Article 2 Purchase (Charge) of PayPay Money

The User can purchase PayPay Money in a manner prescribed by Our Company.

PayPay Money purchased by the User will be recorded to the Account of PayPay Money.

Our Company sets unit of purchase, limit of purchase per day, the maximum of possession in the Account of PayPay Money, etc. of PayPay Money, in the publication made separately.

When once procedure stipulated in paragraph 1 is completed, the User may not cancel purchase of PayPay Money.

The User may not allow any third party to utilise PayPay Money.

Article 3 Transfer (Remittance)

The User may transfer PayPay Money to any other User or any User who has the Account of PayPay Money Lite, within its balance recorded in its Account of PayPay Money, in a manner prescribed by Our Company. Provided, transferring of PayPay Money Lite will be preferred if the User possesses PayPay Money Lite, and only if the existing balance of PayPay Money Lite is insufficient for the amount of transfer, the transfer of such insufficiency is carried by the transfer of PayPay Money; in such a case, the provisions of each paragraph of Article 5 in Part 2 applies to the transfer of PayPay Money Lite.

Our Company sets the maximum amount of PayPay Money which the User may transfer such as the maximum amount of PayPay Money which is able to be transferred per day, the maximum amount of PayPay Money which is able to be transferred per transfer, etc., in the publication made separately; provided that the maximum amount of PayPay Money which is able to be transferred per transfer never exceeds the amount equivalent to One Million Yen (\1,000,000).

In the event that the person who is willing to transfer PayPay Money (hereinafter referred to as the “Remitter”) has completed the procedure prescribed by Our Company, Our Company deducts the amount of PayPay Money which the Remitter will transfer from the balance of the Remitter’s Account of PayPay Money.

In the event that the procedure prescribed by Our Company has been performed by the person who is going to be a counterparty of a transfer (hereinafter referred to as the “Transferee” in this Part), Our Company add in the amount of PayPay Money which the Remitter will transfer to the Transferee’s Account of PayPay Money at the same time as deduction thereof from the balance of the Remitter’s PayPay Money. Provided, if the Transferee has the Account of PayPay Money Lite only, Our Company add PayPay Money Lite, instead of PayPay Money, of which amount is equivalent to the amount which the Remitter transfers to the balance of the Transferee’s Account of PayPay Money Lite. In such a case, such Transferee is deemed to automatically purchase PayPay Money Lite in the amount equivalent to received PayPay Money by using it at the same time as the receipt of such PayPay Money without any other manifestation of intention, and such PayPay Money Lite will be additionally recorded on the Account of PayPay Money Lite as its balance.

Notwithstanding the preceding paragraph, in the case that the balance of the Transferee’s Account of PayPay Money or the Transferee’s Account of PayPay Money Lite should exceed the maximum amount by the transfer of PayPay Money pursuant to the preceding paragraph, or the amount of transfer should exceed each of the maximum amounts stipulated in paragraph 2, Our Company will not process the transfer of PayPay Money (in the case of transfers both of PayPay Money and PayPay Money Lite pursuant to paragraph 1, both transfers).

Our Company shall not be affected by the invalidity or cancellation of the contract of transfer entered into between the Remitter and the Transferee, and even if the Remitter, the Transferee or any other third party suffer any damage in connection with these, Our Company shall never assume any and all liability for compensation.

In the case that the Transferee does not complete the procedure under paragraph 4 within the period prescribed by Our Company which commences on the day on which the Remitter has completed the procedure under paragraph 3, the contract of transfer of PayPay Money between the Remitter and Our Company is deemed to be cancelled, and Our Company will refund PayPay Money with respect to such cancellation to the Remitter’s Account of PayPay Money.

Article 4 Paying Out

The User must register the Bank Account for Paying Out in a manner prescribed by Our Company in advance if it makes PayPay Money recorded in the Account of PayPay Money to be paid out.

The User may turn PayPay Money into money on the rate of one (1) unit to one (1) yen and make it to be paid out to the Bank Account for Paying Out, in a manner prescribed by Our Company.

Our Company sets the maximum amount of PayPay Money which the User may make to be paid out such as the maximum amount of PayPay Money which is able to be paid out per day, the maximum amount of PayPay Money which is able to be paid out per paying out, etc., and the minimum amount of PayPay Money which the User may make to be paid out per paying out, in the publication made separately; provide that the maximum amount of PayPay Money which is able to be paid out per paying out never exceeds the amount equivalent to One Million Yen (\1,000,000).

In the event that the User performs a procedure for paying out, Our Company will deduct PayPay Money equivalent to the specified amount of paying out, the fee which Our Company notifies separately and the amount equivalent to the consumption taxes thereon (hereinafter collectively referred to as the “Paying Out Fee etc.”) from the Account of PayPay Money, and then transfer the specified amount of paying out to the Bank Account for Paying Out; provided, that if the total of the amount of paying out which the User specifies and the Paying Out Fee etc. exceeds the balance of the Account of PayPay Money possessed by such User, such paying out procedure shall have no effect.

Article 5 Receipt of Transfer of PayPay Money (Succession)

The User may receive a transfer of PayPay Money by performing the procedure prescribed by Our Company; provided, that if the total of the amount of PayPay Money to be transferred and the balance of the Account of PayPay Money exceeds the maximum amount of the balance of the Account of PayPay Money, the User cannot receive a transfer of PayPay Money.

Article 6 Issuance of the Receipt

Our Company shall, in the event that it receives any money from the User as a consideration for the purchase of PayPay Money, provide such User with the matters stipulated in each item of paragraph 1 of Article 30 of the Cabinet Office Order on Funds Transfer Service Providers (hereinafter referred to as the “Required Matters for Receipt”) by electronic or magnetic means.

The User shall, in advance, agree that it receives the Required Matters for Receipt by electronic or magnetic means instead of receiving it by written document, except for the cases that it specifically expresses to the effect that it requests the provision of a written document; provided, that if the User desires to receive the Required Matters for Receipt by written document, such User may request Our Company to provide a written document, in principle only within three (3) months, after the day of receipt of money stipulated in the preceding paragraph, and Our Company shall, if it receives such request, issue the receipt in a prescribed manner.

The electronic or magnetic means stipulated in the preceding paragraph shall be displaying the Required Matters for Receipt on Our Company’s application.

The User may rescind the agreement under paragraph 2, and if the User rescinds it, Our Company shall issue the receipt in a manner stipulated in paragraph 2.

Article 7 Prevention of Misperception of Exchange Transactions by Banks etc.

Purchase and transfer of PayPay Money, and settlement and paying out using PayPay Money does not exchange transactions performed by banks etc.

Series of services relating to PayPay Money do not perform any acceptance of deposits, savings or instalment savings (meaning the instalment savings, etc. stipulated in paragraph 4 of Article 2 of the Banking Act). For the avoidance of doubt, no interest accrues from the balance of the Account of PayPay Money.

PayPay Money shall not be covered by payment of insurance proceeds stipulated in Article 53 of the Deposit Insurance Act or Article 55 of the Agricultural and Fishery Cooperative Association Savings Insurance Act.

Our Company shall make a security deposit for providing Funds Transfer Services stipulated in paragraph 1 of Article 43 of the Payment Services Act to the Tokyo Legal Affairs Bureau.

Article 8 Notification etc.

The User shall, in the event that it creates the Account of PayPay Money, notify the following matters to Our Company. The User shall notify true and accurate information on the notification.

Name (in Chinese characters and Japanese katakana)

Address (including postcode)

Birth date

Occupation

Purpose of utilisation of the Account of PayPay Money

Any other matters which Our Company stipulates separately

The User shall, if any of the information notified to Our Company pursuant to the preceding paragraph has been changed, promptly notify the changed information to Our Company in a manner prescribed by Our Company.

In the event that the User notifies wrong information or false information on the notification under paragraph 1, or does not notify the changes under the preceding paragraph, even if the User suffered damage caused thereby, Our Company never bears any and all of such damage.

Article 9 Financial ADR Measures

Our Company shall implement financial ADR measures pursuant to the Payment Services Act. The User may begin complaint processing measures and dispute resolution measures relating to funds transfer service operated by Our Company by contacting following organisations.

Complaint processing measures
Japan Payment Service Association (general incorporated association), TEL:03-3556-6261

Dispute resolution measures
Tokyo Bar Association Dispute Resolution Centre, TEL:03-3581-0031
Dai-Ichi Tokyo Bar Association Arbitration Centre, TEL:03-3595-8588
Daini Tokyo Bar Association Arbitration Centre, TEL:03-3581-2249

Part 4 Automatic Charge

Article 1 Automatic Charge

Automatic charge is the service that PayPay Money or PayPay Money Lite (excluding PayPay Bonus; hereinafter the same applies in this Article) in the amount equivalent to the charging amount which the User set in advance (hereinafter referred to as the “Amount to be Automatically Charged”) is automatically purchased in the event that the User utilises PayPay Balance for a settlement of payment on purchasing the Object Product etc. and if PayPay Balance after such utilisation should be below the amount which the User set as the threshold of execution of automatic charge in advance (hereinafter referred to as the “Threshold Amount”). PayPay Money will be purchased if the User has already created the Account of PayPay Money, or PayPay Money Lite will be purchased if the User has not created the Account of PayPay Money or the User cannot purchase PayPay Money.

The User must, if it purchases PayPay Money Lite by the automatic charge stipulated in the preceding paragraph, make settings for automatic charge in a manner prescribed by Our Company.

Automatic charge occurs only once in each settlement by which PayPay Balance falls below the Threshold Amount, and even if PayPay Balance after addition of PayPay Money Lite equivalent to the Amount to be Automatically Charged by such automatic charge is still below the Threshold Amount, automatic charge shall not occur repeatedly.

Our Company never assumes any liability for disadvantage or damage which the User suffers caused by the non-availability of automatic charge under the following cases.

In the case that force majeure such as natural disaster, power failure, malfunction of communication equipment of communication carriers, malfunction of computer system, etc. occurs.

In the case that an unavoidable cause such as system maintenance of computer etc. occurs.

End of Document
Established on 1 October 2018
Revised on 30 September 2019


Special Provisions for Utilisation of PayPay Balance

Special Provisions for Utilisation of PayPay Balance (hereinafter referred to as these “Special Provisions”) apply uniformly to all persons who utilise the service relating to pay later (hereinafter referred to as the “Pay Later Service”) which YJ Card Corporation (hereinafter referred to as “YJ Card”) provides via Our Company’s application etc., as the special provisions of PayPay Service Terms of Use and PayPay Balance Terms of Use (hereinafter referred to as the “Terms of Use etc.”) which PayPay Corporation (hereinafter referred to as “Our Company”) stipulates separately.
Unless otherwise stipulated, definitions of the terms used in these Special Provisions are subject to PayPay Balance Terms of Use. If any discrepancy occurs between the contents of these Special Provisions and the Terms of Use etc., the contents of these Special Provisions shall prevail.

Article 1 Utilisation of the Pay Later Service

Our Company enables the User who utilises the Pay Later Service to utilise it as one of “settlement means” stipulated in paragraph 1 of Article 4, Chapter 1, Part 2 of PayPay Service Terms of Use.

Utilisation of the Pay Later Service must be utilisation by the User who utilises PayPay services itself.

Article 2 PayPay Balance Available for Utilisation

The User may, on utilising the Pay Later Service, with respect to charges for the Pay Later Service decided by YJ Card relating to the Pay Later Service, utilisation fee, and any and all other debt which the User owes to YJ Card (hereinafter collectively referred to as the “Debt”), make settlement thereof (hereinafter referred to as the “Settlement”) with PayPay Balance, by performing a prescribed procedure on Our Company’s application; provided, that this does not applies for the case that Our Company or YJ Card restricts the settlement with PayPay Balance.

The type of PayPay Balance which may be used to the Settlement is limited to PayPay Money.

Article 3 Automatic Charge

The Users may, in the event that it uses PayPay Balance to the Settlement and if the balance of PayPay Money which the User possesses is insufficient to the total of the Debt subjecting to the Settlement, automatically purchase PayPay Money equivalent to such deficit in a manner which the User set pursuant to the succeeding paragraph (hereinafter such purchase is referred to as the “Automatic Charge”), and complete the Settlement.

The User may, on utilising the Pay Later Service, pursuant to a procedure prescribed by Our Company, register bank account information in order to execute the Automatic Charge and make settings to the effect that the Automatic Charge will be executed by remittance from such bank account. In such a case, the User is deemed to agree the Automatic Charge at the time of making such settings, and such agreement continues to be effective until such settings is changed.

The provisions of the preceding two paragraphs never means that Our Company makes any warranty on the completion of the Settlement by the User. The User confirms that the purchase stipulated in paragraph 1 may not be executed by the reasons such as changes of the bank account information registered pursuant to the preceding paragraph, shortage of the balance in such bank account, etc., and Our Company never assumes any responsibility for the damage which the User suffered and is caused by this; provided, that this shall not apply for the cases of Our Company’s willful misconduct or gross negligence with respect to the occurrence of such reasons.

Article 4 Utilisation Cease

Other than the events stipulated in the Terms of Use etc., in the event that the User falls into any of the events under following items, Our Company may exclude the Pay Later Service from the subject of settlement means stipulated in Article 1.

In the event that Our Company determines that there is any misuse of PayPay’s service or the possibility thereof.

In the event that Our Company determines that there is any misuse of the Pay Later Service or the possibility thereof, such as the case that the user of the Pay Later Service is the person other than the User who shall utilise PayPay’s services.

In the event that YJ Card directs separately.

Even in the event that the User suffers any damage due to the preceding paragraph, Our Company shall never assume any liability for such damage unless caused by Our Company’s willful misconduct or gross negligence.

Article 5 Revision on these Special Provisions

Our Company may, if it determines necessary, revise these Special Provisions at any time without giving any prior notice to users; provided, that if it materially affects the active users, Our Company will take a reasonable prior notice period in advance.

End of Document
Established on 15 April 2020


Terms and Conditions on PayPay Compensation Programme

Terms and Conditions on PayPay Compensation Programme (hereinafter referred to as these “Terms”) constitute part of PayPay Terms of Use of PayPay Corporation (hereinafter referred to as “Our Company“). With respect to PayPay compensation programme provided by Our Company, in addition to the other terms and conditions in PayPay Terms of Use, these Terms apply. If any discrepancy occurs between the other terms and conditions in PayPay Terms of Use and these Terms, the contents of these Terms shall prevail.

Article 1 Definitions

The terms used in these Terms have the meanings same as those in PayPay Terms of Use prescribed by Our Company.

Article 2 Application of PayPay Compensation Programme

The User may, if it suffers any damage caused by any of the followings, make an application for compensation to Our Company.

Any misuse of PayPay Balance by any third party which is caused by the reasons such as theft, swindle, etc. of information relating to PayPay Account and which is not intended by the User

Any misuse of card information, bank account information, etc. by any third party which is caused by the reasons such as theft, swindle, etc. of the User’s card information, bank account information, etc., or any information relating to PayPay Account to which the said information are registered, and which is not intended by the User

The damage under the preceding paragraph is deemed to have occurred at the time of conducting of illegal charge, settlement, transfer of PayPay Money Lite, remittance, paying out, etc. in Our Company’s services which is not intended by the User (hereinafter referred to as the “Misuse“) caused by the reasons stipulated in the preceding paragraph.

The User shall, when it makes an application under paragraph 1, take following responses.

Reporting the Misuse to Our Company and a police station within sixty (60) days from the day on which the damage caused by the Misuse occurred (if sequential and multiple damages occurred, the last day), and notify the occurrence of damage and availability of compensation which the User can receive from any third party other than Our Company and its contents (if it has already received compensation, including such fact) to Our Company accurately without delay.

If Our Company requests any document, information or evidence (if Our Company requests the User to file its victim report to a police station, including the information proving this) as especially necessary, responding to this without delay.

Article 3 Examination

Our Company examines contents of the application made by the User, the result of investigation by Our Company and any and all other circumstances, and compensates for any misuse which Our Company determines it does not fall into all of the followings.

In the case of misuse caused by the User’s willful misconduct or gross negligence.

In the case of misuse conducted by the User’s affiliates or the person who utilises the device concerned etc. based on the User’s permission, such as the User’s family, close relative, housemate, the person who provides a personal care based on the User’s entrustment, etc.

In the case that the User violates any of Our Company’s terms and conditions.

In the case that all or part of such application is or may be untrue.

In the case that the User has or is suspected to have acquired unjust benefit relating to misuse, or has or is suspected to have cooperated with misuse.

In the case that the User is forced to conduct misuse by any third party.

In the case that the User again makes an application for compensation within one (1) year from the day on which another application for compensation was made.

In the case that the User does not make its efforts to or cooperation with detection of the person who conducts misuse and examination of damage.

In the case that the User does not make necessary efforts to or cooperation with the prevention of occurrence and spread of damage.

In the case that the misuse occurs while the social order is under serious chaos such as war, earthquake, etc.

Any other case that Our Company determines it is inappropriate.

Article 4 Contents of Compensation

The contents of compensation which Our Company provides to the User are stipulated as follows.

Our Company compensates the damages which the User directly suffered caused by the Misuse, by giving PayPay Balance or in cash according to the contents of the Misuse. Any fee arising from making compensation is borne by Our Company.

Notwithstanding the preceding paragraph, Our Company compensates the amount obtained by subtracting the amount which is recovered from any third party other than Our Company from the amount of the Misuse (including any fee with respect to PayPay Account and PayPay Balance).

Notwithstanding paragraph 1, in the case that the User can receive compensation for damages caused by the Misuse from any third party other than Our Company, Our Company will, only if the damages exceed the amount of compensation from third parties, compensate such excess.

Article 5 Transfer of Rights after Compensation

In the event that Our Company makes compensation pursuant to Article 3, the User agrees to transfer any and all rights relating to the Misuse to Our Company.

Article 6 Cessation, Suspension, etc. of PayPay Compensation Programme

Our Company may, if it determines that a system is required to be ceased or suspended due to system maintenance, failure of communication line, communication means or computer, etc., cease or suspend PayPay compensation programme without any prior notice to the User. Our Company shall never assume any liability for the damage which the User suffers during cessation or suspension of PayPay compensation programme.

Article 7 Revision or Repeal of These Terms

Our Company may revise or repeal these Terms due to a change of economic situation, revision or abolition of the laws and regulations, or other circumstances around Our Company.

Our Company will, if it revises or repeals these Terms, notify it by posting on Our Company’s website or Our Company’s application.

In the case of revision of these Terms, if the User continues to utilise Our Company’s services after the revision of these Terms, it is deemed to have consented to such revised Terms.

End of Document
Established on 28 August 2019


Special Provisions for Myna-Point (payment operator)


Important Notice about PayPay Money under Payment Services Act


Notice about PayPay Money Lite under Payment Services Act


Japan Net Bank Account Charge:Notice about Electronic Settlement Agency Service under Banking Act


About PayPay Balance