Hello! In this post, we will introduce in detail the "PayPay Balance Card," which PayPay newly began offering on May 21, 2025. This virtual card is a highly attractive service for those who do not have a credit card or who wish to make online payments more convenient.
What is the PayPay Balance Card?
The "PayPay Balance Card" is a virtual card that can be issued on the PayPay app, usable at domestic online shops and content services where Visa credit cards are accepted. By using this card, you can make online payments that require credit cards using your PayPay Balance or PayPay Points.
Furthermore, utilization of the PayPay Balance Card counts toward PayPay’s rewards program "PayPay Step" and is eligible for points. This allows you to accumulate PayPay Points even at online shops where PayPay has not been introduced.
Key Features and Benefits
1. No Screening, Instant Issuance
Unlike credit cards, no credit screening is required, and it can be easily issued from the PayPay app in as little as 30 seconds. There is no annual fee, and you can start using it immediately if you have completed identity verification (eKYC).
2. Peace of Mind by Preventing Overspending
The PayPay Balance Card can only be used within the range of your held PayPay Balance or PayPay Points. This eliminates worries about overspending, allowing you to enjoy online shopping with peace of mind.
3. Wide Online Usability
It is usable at domestic online shops and content services where Visa credit cards are accepted. However, it cannot be used at physical stores, and some overseas online shops may not accept it.
How to Use
Issuance Steps
Tap the "PayPay Balance" barcode on the home screen of the PayPay app.
Tap "Get Started" on the displayed screen.
Review the Terms of Service and tap "Agree to the above content".
Registration complete.
Checking Card Information
Tap the "PayPay Balance" barcode on the home screen of the PayPay app.
Tap the eye icon.
Complete terminal authentication to display the card number, expiration date, and security code.
Key Considerations
The PayPay Balance Card is a virtual card exclusively for online use and cannot be used at physical stores.
The eligible user base is expanding gradually, and the latest version of the PayPay app is required. (It is not yet available to the author).
If you wish to use PayPay Points for payment, you need to set the point usage setting to "Use for Payment".
Summary
The "PayPay Balance Card" is a very convenient service for those who do not have a credit card or want to make online payments easier. It requires no screening, is issued instantly, prevents overspending, and is accepted at a wide range of online shops. If you have the PayPay app, please take advantage of this new virtual card and enjoy comfortable online shopping.
Thank you so much for reading to the end! We will bring you the latest cashless news in the next post, so please look forward to it!