PPSC Investment Service Corporation Shinjuku-ku, Tokyo; President & Representative Director: Kosuke Sato; hereinafter “PPSC Investment Service”*1), in collaboration with PayPay Corporation (Shinjuku-ku, Tokyo; President & Representative Director, CEO, Corporate Officer: Ichiro Nakayama; hereinafter “PayPay”), is pleased to announce that the number of users of “Earn Points,” offering a simulated investment experience as a mini app*2 in the cashless payment service “PayPay,” has exceeded 20 million as of May 12, 2025. This renews the record of the largest number of users among major point investment service providers.*3.
*1. A wholly owned subsidiary of PayPay Securities Corporation.
*2. A feature that allows for smooth service reservations, product ordering, and payments through the PayPay app, provided by PayPay Corporation’s partner companies.
*3. Comparison based on publicly available information from companies handling points-based investment services (such as au PAY Points Management, Credit Saison’s Eternal Points Investment Service, d POINT Investment, and Points Management by Rakuten PointClub, in alphabetical order). (as of May 11, 2025, researched by PPSC Investment Service).
■Reasons for Selection, Investment Styles, and Popular Courses
The “Earn Points” service can be easily initiated from the PayPay app, and all operations can be completed within the app after starting to use the service. The service features an “Auto-Add Setting,” which allows points to be automatically added to a pre-specified course each time PayPay Points are granted. Additionally, any accrued points can be immediately withdrawn and used for payments within PayPay.
On average, users add approximately 2,000 points per month*4, and about 80% of users utilize the auto-add feature*5. In a comparison of the total number of points added to each course*6, the “Challenge Course,” which aims to mirror an ETF that moves threefold in response to the stock prices of several leading American companies, ranks highest. The next most popular is the “Gold Course,” which seeks alignment with the price of an ETF invested in gold. The third most popular course is the “Technology Challenge Course,” which aims to reflect an ETF that moves approximately threefold in accordance with the stock prices of the 100 major companies on the Nasdaq market.
PPSC Investment Service will continue to consider adding courses that meet user needs.
Furthermore, users who have experienced asset management through the “Earn Points” service are increasingly beginning full-scale asset management with NISA accounts via the “Invest” mini app within PayPay. Approximately 80% of those who have opened a securities account via said mini app have used the “Earn Points” service*7, indicating that the experience with “Earn Points” serves as an entry point for enhancing their understanding and interest in asset management.
*4. Average total amount of points added during March 2025 by users who added points within that month.
*5. Proportion of users who had the auto-add setting enabled as of the end of March 2025 among those who added points within that month.
*6. Comparison of the total number of points added to each course during March 2025.
*7. Results as of the end of March 2025.
For more details on how to start and the features of “Earn Points,” check the following website.
https://paypay.ne.jp/guide/point-management/
For more information on “Invest” check the following website.
https://www.paypay-sec.co.jp/tool/miniapp/
■The “Auto-Add Points to Draw a Monthly Lottery” Campaign
Chance to win 10,000 points in a monthly lottery by setting PayPay points usage to “Invest”!
The “Auto-Add Points to Draw a Monthly Lottery” campaign begins today. During the campaign period, users who enable the auto-add setting in the Earn Points service and add 100 points or more will be entered into a lottery, where 10,000 winners will receive 100 points as balance added to the Standard Course. Additionally, those who add 2,000 points or more will qualify for a separate lottery, with 10 winners receiving 10,000 points as balance in the Standard Course.
| Campaign period: | May 12, 2025 (Mon) to July 31, 2025 (Thu) |
| Details: |
Benefit 1: 100 points awarded to 10,000 winners by lottery. Users who have added 100 points or more via auto-add are eligible for the lottery. Benefit 2: 10,000 points awarded to 10 winners by lottery. Users who have added 2,000 points or more via auto-add are eligible for the lottery. *Both benefits are directly granted to the Standard Course in the Earn Points service. The condition to participate in the lottery is whether auto-add is enabled at the end of the month, and no application is required. Additionally, there will be no duplicate winners, with Benefit 2 taking priority. |
For more details about this campaign, please check the following website.
https://www.ppsc-is.co.jp/campaign/2505-12/
【How to set up auto-add in the PayPay app for “Earn Points”】
■About PPSC Investment Service Corporation
PPSC Investment Service is the operator of the Earn Points service, a mini app which allows users to experience a simulated investment in “PayPay.” “Earn Points” was launched as “Earn Bonus” in April, 2020, and has gained the support of many users, as it does not require any additional procedures such as opening a securities account, and anyone can immediately start simulated investments from within the PayPay app. In addition, by acquiring the financial instruments intermediary service license, the company has enabled a smoother transition from “Earn Points” to “PayPay Invest,” and thereby a better user experience.
PPSC Investment Service will continue to provide and update its services, such as adding more Earn Points courses, in order to make asset management more accessible to customers.
・Financial Instruments Intermediary Services (Registration number: Kanto Finance Bureau Director (Kinchu) No. 1024 / Registration date: January 16, 2024)
■ About “PayPay,” the cashless payment service provided by PayPay Corporation
“PayPay” is a cashless payment service expanding across the country, available not only at major chain stores but also at small and medium size retailers, vending machines, taxis, and even public transportation. It can also be used in a variety of other situations, including paying for online services and utility bills. PayPay is also expanding its range of services beyond just payments, including the “Send/Receive” feature (remittance/transfer and receiving of money) that allows users to transfer their PayPay Balance (PayPay Money and PayPay Money Lite) between each other for free, or “Earn Points,” a service that allows users access to a simulated investment experience involving the exchange of PayPay Points with points provided by a service provider that PayPay is partnered with. The company also strives to create a safe and convenient environment for users through a hotline available 24/7 and a full compensation scheme ensuring compensation for any damages that may be suffered.
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 to a designated bank account (no withdrawal 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. 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. Until the customer’s identity verification is completed, issued PayPay Money Lite (including previously issued ones) is distinguished as PayPay Money Lite (Low Value), and for those customers who have completed identity verification (including previously issued ones), it is classified as PayPay Money Lite (High Value). 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, which can be used to make payments for affiliated services and merchants designated by the PayPay Gift Voucher. However, it cannot be transferred to other users or 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, 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.
