*1. PayPay Balance payments with PayPay Balance Link enabled (a feature allowing auto top-up from a PayPay Bank account), provided by PayPay Corporation.
PayPay Corporation (hereinafter “PayPay”), PayPay Card Corporation (hereinafter “PayPay Card”), and PayPay Bank Corporation (hereinafter “PayPay Bank”) are pleased to announce that Cho PayPay Matsuri (Super PayPay Festival), a large-scale promotional campaign through which customers can enjoy savings on dining and shopping when they use the PayPay app or PayPay Card (including PayPay Card Gold) at stores, online stores, and other merchants, will begin on November 20, 2026.
■ PayPay Scratch Lottery
Period: November 20 – December 27, 2026
PayPay Scratch Lottery campaign page: https://paypay.ne.jp/event/matsuri202611-paypay-scratch/
*The official name of the campaign is “PayPay Scratch Lottery (November 2026).”
Users who have completed identity verification (eKYC),*2 now numbering more than 44 million, are eligible for the campaign. When a tax-inclusive amount of 200 yen or more is paid using PayPay or PayPay Card (PayPay Credit enabled)*3 at eligible merchants (including credit card merchants), a scratch card will be issued, and, depending on the payment method and conditions, one of three prizes will be given. Scratch cards of different colors will appear on the post-payment screen depending on the payment method, and winners of the first prize will receive PayPay Points up to the full payment amount (100%).*4
When payment is made on the red screen using PayPay Balance (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.
From this installation of PayPay Scratch Lottery, if users enable PayPay Balance Link,*5 a feature allowing auto top-up to PayPay Balance from PayPay Bank’s savings account for payments and peer-to-peer money transfers at one-yen increments, the chance of winning one of three prizes will increase to one in two. If a user pays at physical stores outside Japan, a PayPay Overseas Scratch Lottery (separate campaign during the same period) will be given.*6 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 probabilities.
*2. As of September 2026
*3. Eligible transactions include payments made in Japan and online payments made overseas.
With respect to payment methods available in “PayPay,” PayPay Balance (including payments made with the PayPay Balance Card), PayPay Credit, and PayPay Points (split payments only) 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.
*4. 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). 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.
*5. PayPay Balance Link will be rolled out sequentially by PayPay.
*6. For PayPay Card, purchases at any merchants accepting Visa, Master Card, or JCB cards worldwide are eligible. Checking or scratching off a card is possible only in Japan, South Korea, and Taiwan. In South Korea, only transactions at stores that support Alipay+ and ZeroPay (only when scanning the store’s QR code) are eligible. In Taiwan, payments can be made at stores that support TWQR payments.
*PayPay Balance Link is a service provided by PayPay Corporation.
Further, if PayPay Card is added to Apple Pay or Google Pay™ and used for tap to pay,*7 the user is guaranteed to win one of the three prizes. Adding PayPay Card to Apple Pay and Google Wallet™ for payments using Google Pay can be done easily on the PayPay app. After adding the card, users do not have to take out their credit cards out of their wallets but can make payments by simply tapping their phones. Further, they can check their usage history on PayPay immediately after making a payment. For details on how to add the card, check here for Apple Pay and here for Google Pay (Google Wallet).
*7. Contactless payments with physical PayPay Cards are ineligible. Apple Pay transactions other than tap to pay at stores are also guaranteed to win (exceptions: online and in-app payments). Google Pay payments are guaranteed to win only for in-store transactions using Google Pay (tap to pay). Tap to pay transactions other than at stores are not eligible for the guaranteed win (e.g., online and in-app payments).
＜Winning probabilities＞
*With Google Pay, only tap to pay at physical stores are guaranteed wins.
■ “Cho PayPay Matsuri: PayPay Coupons”
Period: November 20 – December 27, 2026
Details: During Cho PayPay Matsuri, a variety of participating merchants are scheduled to issue PayPay Coupons. Information regarding the eligible merchants will be announced later on the campaign page. PayPay Coupon is a service that allows users to get a coupon on the PayPay app and then automatically save money when paying with “PayPay” at participating stores. *For more information on how to use PayPay Coupons, please click here.
■ PayPay Credit Referral Program
Period: November 20 – December 27, 2026
Details: 500 PayPay Points per person will be granted to users who satisfy the conditions below:
The referrer sends a referral code to a friend.
The referred person enters the referral code, becomes a new PayPay Card user, and sets up PayPay Credit.
The referred person makes one payment during the program period using PayPay Credit or PayPay Card.
*① and ② must be completed between November 20 to December 27.
*For ③, eligible transactions are those in which a payment is made within the program period and the “Payment Complete” status is displayed within 30 days after the program ends.
Eligible payment methods: PayPay Credit, PayPay Card
Grant limit:
＜Referrer＞ 500 points per referred person (up to 10 people, maximum total of 5,000 points for the program)
＜Referred person＞ 500 points (one time only)
For details, check the PayPay Credit Referral Program page or tap the “Points” icon in the PayPay app home screen, tap the “View All Offers” button, and check “PayPay Credit Referral Program” shown under “Upcoming.”
*Company names, trade names, and products/services in this press release are registered trademarks or trademarks of their respective companies.
