PayPay Corporation (hereinafter “PayPay”), PayPay Card Corporation (hereinafter “PayPay Card”), PayPay Bank Corporation (hereinafter “PayPay Bank”), and PPSC Investment Service Corporation, a wholly owned subsidiary of PayPay Securities Corporation (hereinafter “PPSC Investment Service”), are pleased to announce the launch of “PayPay U18 Support Project” on March 3, 2026, which will make it easier for younger users to accumulate PayPay Points, so that students and new members of the workforce starting a new chapter can become more familiar with money management through “PayPay.”
As a part of this initiative, the PayPay STEP program, in which the point grant rate increases according to a user’s monthly usage of the PayPay app, will ease the conditions compared to older users for achieving an additional 0.5% grant rate. Further, a series of campaigns that give extra points through daily use of “PayPay,” such as referrals, top-ups, payments, and the use of PayPay’s financial services, will also be rolled out simultaneously or in close proximity to each other. The “PayPay U18 Support Project” is only available for users who complete identity verification (eKYC), and is designed to young users, primarily those aged 12 to 18.
■ List of campaigns to be implemented
1. Easier PayPay STEP conditions for young users to earn extra points
2. Become a PayPay user after a referral to earn up to 500 points
3. Top up more than 2,000 yen to earn points upon payment
4. Earn 1% of points by investing in “Earn Points”
5. Earn extra points depending on the balance in a PayPay Bank account
6. Get the chance to have a guaranteed win with PayPay Scratch Lottery during Cho PayPay Matsuri (Super PayPay Festival)
PayPay seeks to provide an accessible environment in which younger generations can engage with cashless and financial services, and learn step by step how to manage their finances. To date, the company has worked to expand usage among teenage users through measues such as introducing “PayPay” to school festivals, and the “Increased Allowances for One Year Campaign.” In this initiative, PayPay has designed a seamless flow from beginning the use of the PayPay app, to everyday payments, the use of points, to experiencing financial services. In conjunction with starting a new phase in life, the company will further create an environment in which users can readily feel the benefits simply by continuing to use “PayPay” every day.
【PayPay U18 Support Project website】
https://paypay.ne.jp/event/youth-20260303/
■ Details of each campaign
1. Easier PayPay STEP conditions for young users to earn extra points
・Duration: April 2026 – end date TBD
・Eligibility: PayPay users aged 12 – 18 who have completed identity verification (eKYC)
・Overview: PayPay STEP is a program in which the grant rate of points the following month increases according to monthly usage. Previously, the conditions for receiving an additional 0.5% of points through PayPay STEP for all users were 30 payments and at least 100,000 yen used per month. However, with this campaign, the conditions for users aged 12 to 15 will be 10 payments and at least 3,000 yen, and for ages 16 to 18, 20 payments and at least 8,000 yen.*1 By continuing to use “PayPay” for everyday payments, it will be easier for younger users to enjoy increased point benefits.
＜Conditions＞
Ages 12 – 15: 10 payments and 3,000 yen or more to receive an extra 0.5% in points the following month
Ages 16 – 18: 20 payments and 8,000 yen or more to receive an extra 0.5% in points the following month
*1. For example, if the number of payments and total payment amount as of the end of April meets PayPay STEP conditions, the grant rate in May will increase by 0.5%. For details on PayPay STEP, please see here.
2. Become a PayPay user after a referral to earn up to 500 points
・Duration: March 3, 2026 – End date TBD
・Eligibility: PayPay users aged 12 – 18 who have completed identity verification (eKYC)
・Overview: The Friend Referral Benefit is a program under which, when referred person satisfies the conditions, PayPay Points are granted to both the referrer (family or friend) and the person referred. Normally, 300 points are granted to both parties, but under this campaign, when the referrer is 18 or older and the person referred is 12 to 18 years old, an additional 200 points will be granted to both parties.*2
＜Conditions＞
The referred person registers the referral code and completes identity verification (eKYC) on the PayPay app within 60 days after newly registering with “PayPay.”*3
*2. Grant limit: For the referrer, 500 PayPay Points per person referred (up to 10 people and 5,000 PayPay Points per month). For the referred person, up to 500 PayPay Points (once only). The limit for the referrer will be reset in the following and subsequent months.
*3. Until 59 days, 23 hours, and 59 minutes after the time the user newly registers with “PayPay.”
3. Top up more than 2,000 yen to earn points upon payment
・Duration: March 3, 2026 – End date TBD
・Eligibility: PayPay users aged 12 – 18 who have completed identity verification (eKYC)
・Overview: When a user tops up 2,000 yen or more to their PayPay Balance in a single transaction and then makes a purchase within the same month of the top-up, 1% of the purchase amount will be granted as PayPay Points at the time of payment. It is only valid when topping up from an ATM or a bank account. If topping up from PayPay Bank, there will be an additional 1% for a total of 2% grant rate.*4 While a PayPay Bank account can be opened from age 15, the minimum age for opening an account is planned to be lowered in the future.*5
*4. Grant limit: 100 PayPay Points per month. Up to 10 PayPay Points per payment and up to 10 payments per month.
*5. Details will be announced by PayPay Bank at a later date.
*PayPay Corporation, as a bank agent with PayPay Bank as its principal bank, engages in intermediation (solicitation) for the conclusion of contracts involving acceptance of yen ordinary deposits, acceptance of foreign currency ordinary deposits,* yen-denominated loans, and funds transfer transactions.*
*Intermediation (solicitation) for the conclusion of contracts involving acceptance of foreign currency ordinary deposits and funds transfer transactions is limited to private customers.
4. Earn 1% of points by investing in “Earn Points”
・Duration: March 24, 2026 – End date TBD
・Eligibility: PayPay users aged 12 – 18 who have completed identity verification (eKYC)
・Overview: In the Earn Points mini app, which enables a simulated investment experience, users who invest 100 or more points will be granted PayPay Points equal to 1% of the number of points invested.*6 After using the simulated investment service, users may also apply to open a securities account via the PayPay Securities mini app, which is integrated as a financial instruments intermediary, thereby supporting an introduction to full-fledged investment.
*6. The grant limit is 50 points during the campaign period.
*The following matters are hereby disclosed to users in advance, based on the Financial Instruments and Exchange Act regarding financial instruments intermediary services.
Trade name of financial instruments intermediary service provider: PPSC Investment Service Corporation
Registration number: Financial instruments intermediary, Kanto Local Finance Bureau Director (Kinchu) No. 1024
The principal financial instruments business operator of PayPay Corporation is PayPay Securities Corporation.
PayPay has no authority to act on behalf of its principal financial instruments business operator.
PayPay will not accept money or securities from customers in connection with its financial instruments intermediary services under any circumstances whatsoever.
【Principal financial instruments business operator】
PayPay Securities Corporation
Financial instruments business operator, Kanto Local Finance Bureau Director (Kinsho) No. 2883
Membership: Japan Securities Dealers Association
5. Earn extra points depending on the balance in a PayPay Bank account
・Duration: March 3, 2026 – September 30, 2026*7
・Eligibility: Users 18 or younger on April 1, 2026*8
・Overview: Upon linking a PayPay account with a PayPay Bank account, PayPay Points will be granted to users who have deposited 10,000 yen or more. The number of points granted will vary based on the monthly deposit balance, and users can receive points for up to one year.
*7. The campaign period and details are subject to change without notice. Details will be announced by PayPay Bank at a later date.
*8. While a PayPay Bank account can be opened from age 15, the minimum age for opening an account is planned to be lowered in the future. Details will be announced by PayPay Bank at a later date.
＜Point grant amount＞
– Deposit balance of 10,000 yen or more: 100 points (up to 1,200 points per year)
– Deposit balance of 50,000 yen or more: 200 points (up to 2,400 points per year)
– Deposit balance of 50,000 yen or more: 400 points (up to 4,800 points per year)
6. Get the chance to have a guaranteed win with PayPay Scratch Lottery during Cho PayPay Matsuri (Super PayPay Festival)
・Period: March 3 – 30, 2026
・Eligibility:
(1) PayPay users aged 12 – 18 who have completed identity verification (eKYC)
(2) PayPay users aged 18 – 25 who have completed identity verification (eKYC)
・Overview: Young users will be given better conditions in the PayPay Scratch Lottery offered during the Cho PayPay Matsuri to be held from March 3, 2026. When a payment of at least 200 yen, including tax,*9 is made at participating merchants (including credit card merchants), a scratch-off card will be given to a user. Normally, when payments are made with PayPay Balance (red screen; including payments made with the PayPay Balance Card), there is a one-in-four chance of winning one of the three prizes. When payments are made with PayPay Credit (blue screen) or PayPay Card, the winning probability for the three prizes increases to one in two.
As preferential measures, when users aged 12 to 18 pay with PayPay Balance (red screen), they have a one-in-two chance of winning 1st to 3rd prize. When users aged 18 to 25 pay with PayPay Credit (blue screen) or with a physical PayPay Card, including PayPay Card Gold, they are guaranteed to win one of the three prizes.*10 For more details, click here.
*9. With respect to payment methods available in “PayPay,” PayPay Balance (including payments made with the PayPay Balance Card), PayPay Credit, and PayPay Points are eligible for the campaign. PayPay Debit is not eligible. PayPay Balance Card is only available with web services that accept Visa cards. In a payment is combined with PayPay Points, the winning probability will be the same as that of PayPay Balance or PayPay Credit, depending on which payment method the points are combined with. If a payment is combined with a PayPay Gift Voucher, the portion of the PayPay Gift Voucher will not be eligible, and the winning probability will be the same as that of the payment method used in combination. In addition, to participate in this campaign when paying with PayPay Credit or PayPay Card, prior setup of PayPay Credit in the PayPay app is required.
*10. PayPay Scratch Lottery has a total grant limit of 100,000 PayPay Points per scratch card and per period across PayPay and PayPay Card payments (aggregated across participating merchants). Points will be granted at 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 card expires at 11:59 p.m. 30 days after it is obtained.
【To users aged 18 and 19】 For credit card payments, fees may apply depending on your selected payment method, such as paying in installments or revolving credit. Please make sure to check the terms and use credit cards responsibly. For details on important notes regarding use, refer to the advisory on credit use for young users.
*Company names, trade names, and products/services in this press release are registered trademarks or trademarks of their respective companies.
