BIS Statistics Explorer: Table T5

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T5: Volume of cashless payments and withdrawal/deposit transactions ^Source

(millions; total for the year)

«Japan»	Year
« ‹ 2021 › »	2017	2018	2019	2020	2021
	2017	2018	2019	2020	2021
PART A: Volume of cashless payments
Total volume of cashless payments ¹	7,283	7,863	9,166	10,972	13,103
Breakdown of 'total volume of cashless payments' by instrument type
Credit transfers ²	1,627	1,647	1,691	1,765	1,778
Breakdown of 'credit transfers' into domestic and cross-border sent
Domestic ³	1,627	1,647	1,691	1,765	1,778
Cross-border sent	nav	nav	nav	nav	nav
Memo: cross-border received	nav	nav	nav	nav	nav
Breakdown of 'credit transfers' by device presence/absence
Device-present: paper-based	nav	nav	nav	nav	nav
Device-present: other	nav	nav	nav	nav	nav
Partial breakdown of 'credit transfers, device-present: other' by accepting device
Of which: at POS terminals	nav	nav	nav	nav	nav
Device-not-present	nav	nav	nav	nav	nav
Direct debits	nav	nav	nav	nav	nav
Breakdown of 'direct debits' into domestic and cross-border sent
Domestic	nav	nav	nav	nav	nav
Cross-border sent	nav	nav	nav	nav	nav
Memo: cross-border received	nav	nav	nav	nav	nav
Cheques ⁴	55	51	48	41	36
Partial breakdown of 'cheques'
Of which: paper-based	55	51	48	41	36
Other payment instruments	nav	nav	nav	nav	nav
Card and e-money payments (with cards and e-money issued inside the country) ⁵	nav	nav	nav	nav	nav
Breakdown of 'card and e-money payments' by function
By card with a debit function ⁶	178	260	378	525	653
By card with a delayed debit function	nav	nav	nav	nav	nav
By card with a credit function ⁷	nav	nav	nav	nav	nav
E-money payments ⁸	5,423	5,905	7,049	8,641	10,636
Partial breakdown of 'card and e-money payments' by device presence/absence
Of which: device-present payments	nav	nav	nav	nav	nav
Partial breakdown of 'card and e-money payments, device-present' by technology
Of which: contactless	nav	nav	nav	nav	nav
Of which: magstripe	nav	nav	nav	nav	nav
Breakdown of 'card and e-money payments' into domestic and cross-border
Domestic	nav	nav	nav	nav	nav
Breakdown of 'card and e-money payments, domestic' by function
By card with a debit function	nav	nav	nav	nav	nav
By card with a delayed debit function	nav	nav	nav	nav	nav
By card with a credit function	nav	nav	nav	nav	nav
E-money payments ⁸	5,423	5,905	7,049	8,641	10,636
Cross-border sent	nav	nav	nav	nav	nav
MEMO: Card and e-money payments at terminals inside the country (with cards and e-money issued inside and outside country)	nav	nav	nav	nav	nav
Breakdown of 'card and e-money payments at terminals inside the country' by function
By card with a debit function	nav	nav	nav	nav	nav
By card with a delayed debit function	nav	nav	nav	nav	nav
By card with a credit function	nav	nav	nav	nav	nav
E-money payments	nav	nav	nav	nav	nav
Partial breakdown of 'card and e-money payments at terminals inside the country' by device presence/absence
Of which: device-present payments	nav	nav	nav	nav	nav
Partial breakdown down of 'card and e-money payments at terminals inside the country, device-present payments' by technology
Of which: contactless	nav	nav	nav	nav	nav
Of which: magstripe	nav	nav	nav	nav	nav
Partial breakdown of 'card and e-money payments at terminals inside the country' by location of the card issuer
Of which: at terminals inside the country with cards and e-money issued outside the country	nav	nav	nav	nav	nav
Partial breakdown of 'total volume of cashless payments' by speed
Of which: fast payments ⁹	nap	nav	1,649	1,726	1,737
Breakdown of 'fast payments' by instrument type
Credit transfers	nap	nav	1,649	1,726	1,737
Direct debits	nap	nap	nap	nap	nap
Others	nap	nap	nap	nap	nap
Partial breakdown of 'fast payments' on-us
Of which: on-us	nap	nav	nav	nav	nav
Partial breakdown of 'fast payments' by initiation device
Of which: initiated at a POS	nap	nap	nap	nap	nap
Partial breakdown of 'total volume of cashless payments' by issuer
Of which: issued by a non-bank	nav	nav	nav	nav	nav
MEMO: Money remittances	nav	nav	nav	nav	nav
PART B: Volume of withdrawal/deposit transactions
Total volume of withdrawals/deposits	nav	nav	nav	nav	nav
Breakdown of 'total volume of withdrawals/deposits' into withdrawals and deposits
Cash withdrawals	nav	nav	nav	nav	nav
Breakdown of 'cash withdrawals' by withdrawal location
Cash withdrawals with cards issued inside the country at locations inside the country	nav	nav	nav	nav	nav
Breakdown of 'cash withdrawals with cards issued inside the country at locations inside the country' by terminal type
At ATMs ¹⁰	244	229	212	179	166
At POS terminals	nav	nav	nav	nav	nav
At bank branches, without the use of an ATM	nav	nav	nav	nav	nav
Cash withdrawals with cards issued inside the country at locations outside the country	nav	nav	nav	nav	nav
Memo: Cash withdrawals with cards issued outside the country at locations inside the country	nav	nav	nav	nav	nav
Memo: Cash withdrawals with cards issued inside and outside the country at locations inside the country	nav	nav	nav	nav	nav
Partial breakdown of the memo item 'cash withdrawals with cards issued inside and outside the country at locations inside the country' by terminal type
Of which: at ATMs	nav	nav	nav	nav	nav
Partial breakdown of 'cash withdrawals' by terminal type
Of which: at ATMs	nav	nav	nav	nav	nav
Cash deposits	nav	nav	nav	nav	nav
Partial breakdown of 'cash deposits' by deposit location
Of which: cash deposits with cards issued inside the country at locations inside the country	nav	nav	nav	nav	nav
E-money loading/unloading transactions	nav	nav	nav	nav	nav

¹ Sum of available data. Note that the volume of card payments with credit function is not included from 2013 ² Includes transactions handled by the Zengin System and other retail payment networks (domestic only); excludes credit transfers through on-us accounts . ³ Includes transactions handled by the Zengin System and other retail payment networks; excludes credit transfers through on-us accounts. ⁴ Total number of transactions handled by all bill and cheque clearing systems in Japan. ⁵ Sum of available data. ⁶ Sum of the data from April to March of the following year. Figures are calculated by submitted data from four debit card networks, i.e., J-Debit, JCB, VISA, and UnionPay. Prior to FY 2013, figures are calculated by submitted data from J-Debit and financial institutions issuing debit cards. ⁷ Figures up to 2012 are estimates by the Bank of Japan based on a survey by the Japan Consumer Credit Association. ⁸ Based on the survey by the Bank of Japan and the Payments Japan Association. From 2018, payments via QR and barcodes are added to e-money payments. Note that these payments are not separated from payments by card with credit function ⁹ On October 9, 2018, the Zengin System started its 24/7 operation by launching the "More Time System" running in addition to the operation hours of the original system ("Core Time System"); excludes credit transfers through on-us accounts ¹⁰ Sum of available data. Excludes cash withdrawals from "own ATMs" of financial institutions.
Sources: Japanese Bankers Association; Japan Debit Card Promotion Association; Japan Consumer Credit Association; Bank of Japan.