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  "raw_markdown_url": "https://finwiki.zksc.io/payments/japan-payment-scheme-economics-matrix.md",
  "domain": "payments",
  "title": "Japan payment scheme economics matrix",
  "entry_type": "wiki_entry",
  "frontmatter": {
    "title": "Japan payment scheme economics matrix",
    "aliases": [
      "payments/japan-payment-scheme-economics-matrix",
      "japan-payment-scheme-economics-matrix",
      "Japan retail payment scheme comparison",
      "card vs code vs A2A vs prepaid Japan economics",
      "日本決済スキーム経済比較マトリクス"
    ],
    "domain": "payments",
    "type": null,
    "created": "2026-05-24",
    "last_updated": "2026-07-30",
    "last_tended": "2026-07-30",
    "review_by": "2026-11-20",
    "confidence": "likely",
    "tags": [
      "payments",
      "scheme-economics",
      "card",
      "code-payment",
      "account-to-account",
      "prepaid",
      "electronic-money",
      "interchange",
      "merchant-fee",
      "regulation",
      "Japan"
    ],
    "status": "active",
    "canonical_anchor": null,
    "related": [],
    "note": null,
    "sources": [
      "https://paymentsjapan.or.jp/",
      "https://paymentsjapan.or.jp/category/publications/",
      "https://paymentsjapan.or.jp/wp-content/uploads/2023/08/roadmap2023.pdf",
      "https://paymentsjapan.or.jp/publications/code-payments-20260330/",
      "https://www.meti.go.jp/policy/mono_info_service/cashless/",
      "https://www.meti.go.jp/press/2025/03/20260331006/20260331006.html",
      "https://www.meti.go.jp/english/press/2023/0601_002.html",
      "https://www.meti.go.jp/policy/economy/consumer/credit/115tourokujigyousyaitiran.html",
      "https://www.meti.go.jp/policy/economy/consumer/credit/kappuhanbaihoatobaraibunyanogaiyofaq.html",
      "https://www.boj.or.jp/en/paym/",
      "https://www.boj.or.jp/en/paym/outline/",
      "https://www.jftc.go.jp/",
      "https://www.jftc.go.jp/houdou/pressrelease/2022/apr/220408.html",
      "https://www.fsa.go.jp/menkyo/menkyoj/shikin_idou.pdf",
      "https://www.fsa.go.jp/menkyo/menkyoj/daisan.xlsx",
      "https://www.fsa.go.jp/policy/prepaid/",
      "https://www.zengin-net.jp/zengin_system/cotra/",
      "https://www.cotra.ne.jp/",
      "https://jeppo.jp/bankpay/",
      "https://www.global.jcb/ja/about-us/business-area/brand/"
    ]
  },
  "summary": "Japan retail payment now runs on four parallel scheme classes — card (Visa / Mastercard / JCB / Amex / Diners), code (PayPay / d払い / au PAY / 楽天ペイ / メルペイ / FamiPay), account-to-account (Bank Pay / J-Debit / Cotra), and prepaid electronic money (Suica / PASMO / WAON / nanaco / Edy). Each sits on a di",
  "headings": [
    "Japan payment scheme economics matrix",
    "TL;DR",
    "Wiki route",
    "Four-class scheme map",
    "Scheme operator and settlement venue",
    "License under Japan law",
    "Acquirer model (single-acquirer vs multi-acquirer)",
    "Merchant fee range (MDR + per-transaction)",
    "Issuer fee / interchange — who earns what",
    "Settlement cycle"
  ],
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      "fintech/japan-epi-three-types-overview",
      "loyalty/japan-points-landscape",
      "loyalty/japan-points-landscape\\",
      "payment-firms/au-payment",
      "payment-firms/au-payment\\",
      "payment-firms/paypay",
      "payment-firms/paypay\\",
      "payment-firms/rakuten-edy\\",
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      "payments/cashless-jp-landscape",
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      "payments/japan-payment-clearing-and-settlement-infrastructure",
      "payments/japan-payment-clearing-and-settlement-infrastructure\\",
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