Japanese Yen (JPY)
Published processing fees and market availability for the Japanese Yen (JPY) across 10 gateways, bank acquirers, and payment rails serving Japan. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: Asia-Pacific payments guide · All Asia currencies
Who serves this currency
All 10 gateways, bank acquirers and wallets serving JPY markets, including providers with published JPY fee schedules (5) and custom/quote-only processors (5).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| StripeDomestic Japanese cards. | Published fees |
| SquareOnline & in-person standard Visa/Mastercard rate in Japan. | Published fees |
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| AirwallexRegional availability, ask for a quote. | Serves this market |
| PortOne (Iamport)Regional availability, ask for a quote. | Serves this market |
| KOMOJU (Degica)Japan Visa/Mastercard 3.25%; JCB/PayPay/LINE Pay 3.5%; Konbini convenience store ¥190 flat; no monthly fee. | Published fees |
| Opn Payments (Omise)Japan Visa/Mastercard 3.25%, JCB/Amex 3.5%, PayPay 3.4%. | Published fees |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalJapanese domestic commercial transactions. | Published fees |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (5 of 10 providers serving JPY). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified JPY rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 10 providers serving JPY.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (5 additional providers serve JPY with custom or quote-only pricing—see all 10 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| StripeDomestic Japanese cards. | 3.6%+1% international cards | ¥0 | n/a | +1% |
| SquareOnline & in-person standard Visa/Mastercard rate in Japan. | 3.25% | ¥0 | n/a | Same rate |
| KOMOJU (Degica)Japan Visa/Mastercard 3.25%; JCB/PayPay/LINE Pay 3.5%; Konbini convenience store ¥190 flat; no monthly fee. | 3.25% | ¥0 | n/a | Same rate |
| Opn Payments (Omise)Japan Visa/Mastercard 3.25%, JCB/Amex 3.5%, PayPay 3.4%. | 3.25% | ¥0 | n/a | Same rate |
Compare two JPY card gateways side by side
Wallets & other payment rails (published rates)
Publicly verifiable merchant rates for mobile money, digital wallets and account-to-account rails in JPY.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| PayPalJapanese domestic commercial transactions. | 3.6%+0.5% international cards | ¥40 | n/a | +0.5% |
Monthly, plan & setup fees (JPY)
8 of 10 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| StripeStandard pay-as-you-go; Stripe Billing / Radar / custom packages optional | No monthly fee | $0/mo | $0 |
| SquareSquare Plus: US$29/mo (locks in 2.9% + $0.30 online in US vs 3.3% + $0.30 on Free plan) | $0/mo + tiers | $0/mo (Free plan) | $0 |
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| AirwallexPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| PortOne (Iamport)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| KOMOJU (Degica)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Opn Payments (Omise)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
Wallets & other payment rails — Monthly & setup fees
Japanese Yen (JPY) payment gateway FAQs
Which payment gateways and processors serve Japan (JPY)?
Sympli5 tracks 10 payment gateways, bank acquirers, and payment rails serving Japan (Japanese Yen, JPY), including Stripe, PayPal, Square, Adyen, Checkout.com, Airwallex and 4 others. Of these, 5 publish verifiable standard JPY per-transaction schedules and 5 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Japanese Yen (JPY)?
Among the 5 providers with publicly verified JPY schedules, the lowest headline variable rate starts at 3.25% + ¥0 via Square. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive JPY calculator on this page to compare exact net payouts.
Do JPY payment gateways charge monthly or setup fees?
Of the 10 providers serving JPY markets, 8 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 2 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for JPY transactions?
An international (foreign-issued) card fee applies when a customer pays your business in JPY using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In JPY, providers like Stripe (+1%), PayPal (+0.5%) add an explicit cross-border card surcharge on top of their domestic rate.