Press Release

PayPay Card Scratch Lottery: https://paypay.ne.jp/event/matsuri202412-paypay-scratch/

PayPay Card Corporation (hereinafter “PayPay Card”) and PayPay Corporation (hereinafter “PayPay”) are pleased to announce that starting on December 2, 2024, there will be another installation of PayPay Card Scratch Lottery as part of Cho PayPay Matsuri (Super PayPay Festival), which allows users to enjoy scratch-off cards when they pay with PayPay Card (including PayPay Card Gold). Following the previous Cho PayPay Matsuri held in June 2024, payments made with PayPay Card will again be eligible for the scratch lottery offers under Cho PayPay Matsuri, allowing users to enjoy the campaign whether they pay using PayPay Card or PayPay.*1

PayPay Card Scratch Lottery is a campaign from December 2, 2024, to January 7, 2025, in which PayPay Card users who have both set up PayPay Credit and completed identity verification in the PayPay app will receive a scratch-off card when they make a payment of 200 yen or more with PayPay Card at eligible credit card merchants. When a user taps on the scratch-off card, they have a one-in-two probability of winning PayPay Points. First prize winners will receive PayPay Points of up to 100% of the total payment amount, second prize winners up to 5%, and third prize winners up to 0.5% (subject to a grant limit).*2

The PayPay Card Scratch Lottery has been offered since the previous Cho PayPay Matsuri, held in June 2024, and has been well received by PayPay Card users. In the first installation of PayPay Card Scratch Lottery, more than 42 million scratch-off cards were issued, and in a post-campaign survey, more than 80% of users responded that they are willing to continue using PayPay Card.

With the simultaneous implementation of PayPay Card Scratch Lottery and PayPay Scratch Lottery, users can obtain more scratch-off cards*3 by paying with “PayPay” at stores where the mobile payment is accepted and by paying with PayPay Card at stores where credit cards are accepted. Thus, PayPay Card users can now enjoy shopping during Cho PayPay Matsuri more than ever.

*1. PayPay Card is the sponsor of the PayPay Card Scratch Lottery.
*2. The probability of winning is the chance to win per scratch-off card and does not guarantee that users will win according to the stated probability.
*3. The cards cannot be scratched off overseas. They must be scratched only in Japan.

PayPay Card became a wholly owned subsidiary of PayPay in October 2022 and aims to further strengthen collaboration with the cashless payment service “PayPay” to provide services that can be used in a wide range of payment scenarios. Since January 2023, the number of payments and the total payment amount used as conditions for achieving PayPay STEP, a permanent benefit program offered in “PayPay,” as well as the PayPay Point grant rate applied when the conditions are achieved, have been counted toward payments made with PayPay Card. Additionally, beginning in March 2024, the payment details of PayPay Card transactions have been displayed in the Transaction History in the PayPay app, making the combined use of “PayPay” and PayPay Card even more beneficial and convenient. Following the trajectory of previous initiatives, PayPay Card Scratch Lottery is held as part of efforts to further boost the synergy between PayPay and PayPay Card.

PayPay Card and PayPay will continue to take a user-first approach, aiming to improve user satisfaction and create services that deliver more convenient and rewarding experiences, and will provide cashless services that become the indisputable industry standard in Japan.

■ PayPay Card Scratch Lottery overview

*4. The amount is tax-inclusive. Only users who own a PayPay Card and have set up PayPay Credit in the PayPay app are eligible.
*5. Grant limit: 100,000 points/draw and period (total for purchases at eligible stores). PayPay Points will be granted on a later date. Please note that it cannot be cashed out or sent to other users. PayPay Points can also be used at the official PayPay store or PayPay Card store. The scratch-off card expires at 11:59 p.m. 30 days after it is obtained.

＜How to see a PayPay Card Scratch Lottery card *for illustrative purposes only＞

＜Grant rate for each prize＞

PayPay is registered as follows:
・Prepaid Payment Instruments (third party type) Issuer, Registration #: Director-General of the Kanto Finance Bureau, No. 00710 (Registration date: October 5, 2018)
・Business Operator that Concludes Contracts on the Handling of Credit Cards (Registration number: Kanto (Ku) No. 106 / Registration date: July 1, 2019)
・Telecommunications Carrier (Filing number: A-02-17943 / Date filed: July 2, 2019)
・Fund Transfer Operator (Registration number: Director-General of the Kanto Finance Bureau, No. 00068 / Registration date: September 25, 2019)
・Notified Person Entrusted with Intermediation (Filing #: C1907980 / Date filed: December 18, 2019)
・Bank Agency Operator, License: Director-General of the Kanto Finance Bureau, No. 396 (Registration date: November 26, 2020)
・Financial Instruments Intermediary Services (Registration number: Kanto Finance Bureau Director (Kinchu) No. 942 / Registration date: June 25, 2021)
・Electronic Payment Agency Services (License: Director-General of the Kanto Finance Bureau (Dendai) No. 109 / Registration date: February 14, 2023)
・Designated Funds Transfer Operator, permitted to provide digital payment of wages (Designation No.: Minister of Health, Labor and Welfare No. 00001 / Date of designation: August 9, 2024)
・Japan Payment Service Association (https://www.s-kessai.jp/, Date of admission: September 12, 2018)
・Japan Consumer Credit Association (https://www.j-credit.or.jp/, Date of admission: July 1, 2019)

* “PayPay” offers four types of electronic money and other services: PayPay Money, PayPay Money Lite, PayPay Points, and PayPay Gift Vouchers.
PayPay Money can be used to pay for partner services and merchants if it is within the amount deposited into the PayPay account opened after completing an identity verification process. It can also be used for sending and receiving money between PayPay users free of charge. PayPay Money can also be transferred to a designated bank account (no transfer fee if using PayPay Bank). The legal nature of this is an electromagnetic record which can be used to pay for goods and other services, and can be remitted or cashed out, issued by the Company who is a Fund Transfer Operator registered under Article 37 of the Payment Services Act. PayPay Money (Paycheck) refers to PayPay Money that can only be purchased with wages received by the PayPay user in their Paycheck Account. Based on the provisions of Article 43 of the Payment Services Act, PayPay protects the debt it owes to its users by depositing assets equivalent to or higher than the debt amount. PayPay Money Lite is an electronic money issued by PayPay, which can be purchased and used to pay for services and merchants. PayPay users can transfer and receive PayPay Money Lite free of charge. The legal nature of this is a prepaid payment instrument issued by PayPay (Article 3, Paragraph 1 of the Payment Services Act). Based on the provisions of Article 14 of the Payment Services Act, PayPay preserves the relevant assets for the purpose of protecting the owners of the prepaid payment instrument by providing a security deposit for issuance to the Legal Affairs Bureau in an amount that is half or more of the unused balance of prepaid instrument methods as of March 31 and September 30. In addition, PayPay Points, which are granted through campaigns and promotions when using PayPay, can be used for partner services and in transactions at merchants in addition to PayPay Money and PayPay Money Lite. However, it cannot be transferred to other users or cashed out. PayPay Gift Voucher is a type of electronic money issued by PayPay that can be obtained and used for payments at designated partner services and merchants specified for the relevant PayPay Gift Voucher. However, it cannot be transferred to other users or cashed out. PayPay Gift Vouchers have an expiration date. For details on the expiration date, see the conditions of the measures and campaigns that issue PayPay Gift Vouchers.

PayPay also strives to create a safe and secure environment for users. If an unexpected payment is made by a third party using a PayPay account, or if a request to settle a payment suddenly arrives from PayPay to a user that does not have a PayPay account, there is a scheme that ensures compensation for the damages suffered (the difference will be provided as compensation if compensation is also provided by a third party), given that the prescribed conditions are met. Please see applying for compensation for details.

*Company names, trade names, and products/services in this press release are registered trademarks or trademarks of their respective companies.