Cashless Payment Share in 2025 Is 58%; New Domestic Indicator Aims for 80%

A new domestic indicator reports the cashless payment share at 58.0% for 2025.

Total cashless transaction value in 2025 was ¥162.7 trillion.

Breakdown: credit cards 82.7% (¥134.6T), debit 3.4% (¥5.5T), e‑money 3.7% (¥6.0T), code/QR 10.2% (¥16.6T).

E‑money share fell from 4.4% in 2024 to 3.7% in 2025; its transaction value dropped from ¥6.2T to ¥6.0T and only e‑money saw transaction counts decrease.

Indicator change: the domestic metric replaces the previous international-comparison measure (which included about ¥57T of imputed owner-occupied rent, ~17%), and sets a 2030 interim goal of 65% and an ultimate domestic-target of 80%.