PayPay Corporation (hereinafter PayPay) is pleased to announce that from December 10, 2024, users will be able to use the default-installed smartphone camera app (*1) on both iOS and Android platforms to scan QR codes (*2) provided by PayPay merchants to directly complete a payment using PayPay (*3). Through this even more convenient experience, users can make payments without opening the PayPay app.
*1. Apps other than the smartphone OS camera app pre-installed in the smartphone are not supported. To access the new feature, the user needs to use the standard camera that comes pre-installed with the smartphone.
*2. This feature is available for the user scan payment method (MPM: Merchant Presented Mode).
*3. Some PayPay merchant QR codes cannot be used for payments with this feature. In such cases, it will be necessary to open the PayPay app to complete the payment. To use this feature, the PayPay app must be updated to the latest iOS or Android version.
Previously, users had to open the PayPay app and tap the “Scan” icon on the home screen to activate the camera, scan the QR code provided by PayPay merchants, and complete the payment. Without knowing this process, many users have been unsuccessfully scanning the QR code with the pre-installed OS camera app, resulting in failure to make the payment.
Now, via a dedicated web page that is launched after unlocking the smartphone and scanning the QR code using the OS camera app, the user will be redirected to the payment screen in PayPay (*4), allowing even those users unfamiliar with the use of smartphones or the PayPay app to quickly and easily complete a payment.
The dedicated web page exists to impose certain restrictions for preventing fraud as well as unintentional consecutive payments made by repeatedly scanning the same QR code by mistake, in which case, an error screen will be displayed.
PayPay will continue to strive for a world where users and all types of restaurants and service providers can enjoy the convenience of cashless payment and use the cashless payment service with confidence anywhere in Japan. Furthermore, PayPay aims to evolve from a payment app into a super app that enriches users’ lives and makes them more convenient, fostering a world where paying “Anytime, Anywhere with PayPay” is a reality. As the company was designated by the Financial Services Agency as a Specified Essential Infrastructure Service Provider in November 2023, PayPay is committed to continue providing an even safer and more secure environment for users.
*4. This feature is not enabled when the smartphone is offline since the transition to the dedicated web page cannot be made. However, if the merchant provides a merchant scan payment method (CPM: Customer Presented Mode), users can make payments with the offline payment mode.
PayPay Corporation is registered as follows:
・Prepaid Payment Instruments (third party type) Issuer (Registration number: 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 Entity Entrusted with Intermediation (Filing number: C1907980 / Date filed: December 18, 2019)
・Bank Agency Services (License: Director-General of the Kanto Finance Bureau (Gindai) 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 cashed out and 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 services, can be remitted or cashed out, and is issued by PayPay who is a Fund Transfer Operator registered under Article 37 of the Payment Services Act. 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 related to the funds transfer balance. PayPay Money Lite is a type of 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, PayPay Bonus and PayPay Bonus Lite cannot be transferred between PayPay users or be cashed out. PayPay Gift Voucher is a type of electronic money issued by PayPay, which can be used to make payments for affiliated services and merchants designated by the PayPay Gift Voucher. However, PayPay Bonus and PayPay Bonus Lite cannot be transferred between PayPay users or be cashed out. PayPay Gift Vouchers have an expiration date, after which they will no longer be valid. The deadline for Gift Vouchers can be confirmed in the details or specifications of the measure or promotion campaigns for which they are issued.
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, 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 or details.
*Company names, trade names, and products/services in this press release are registered trademarks or trademarks of their respective companies.
