Smartphone payment can be used without a credit card!?

This time, I will introduce how to use the smartphone payment service even if you do not have a credit card. If you are interested, I would be grateful if you could refer to it.

Smartphone payment can be used without a credit card

smart payment with smart phone

From the conclusion, it is possible to use smartphone payment without using a credit card. Some people who want to use the smartphone payment service without using a credit card have people who do not have the credit card itself, but people who do not want to cooperate. Let’s look at each case.

People who do not have a credit card:

Japan is a credit card nation where almost 90% of people have a credit card. However, some people do not have a credit card for a variety of reasons. Among such people, there are not a few who would like to use the smartphone payment service.

Convenience at the time of payment, rewarding points and economic benefits of campaigns… If you can get these benefits without using a credit card, smartphone payments should seem attractive.

Those who have a credit card but do not want to work with a smartphone
Even if you have a credit card, there are probably people who do not want to work with your smartphone. One of the reasons why I feel such resistance is that the total amount of damage jumps up when illegally used.

Actually, there have been cases in which smartphones linked with credit cards were misused and the usage limit of several million yen was illegally used. Having the ability to pay more than you have is the appeal of credit cards, but it also poses a major risk.

In particular, smartphone payments are still in their infancy. Even if it is said that security measures are taken, there are a lot of people who can’t believe it without letting go. In the next block, as an example, I will introduce how to use PayPay safely, so please refer to it.

How to use PayPay without a credit card:

There are several ways to use PayPay without using a credit card. Try the method that suits you best.

Charge by bank transfer:

First, there is a method of linking your bank account with PayPay. The balance charged from your bank account can be used for payment.

From here, let’s see how to charge from a bank account for each process.

First, create a Yahoo! ID and register a bank account in Yahoo! Wallet.

Next, tap “Account” on the home screen of the PayPay app and select “External Link”.

The next thing to do is register your Yahoo! Money/wallet. From the home screen of the PayPay app, tap “Payment Management” and select “Register Yahoo! Money”. When you follow the instructions on the screen, you will be asked to enter a phone number.

The verification code will be sent by SMS to the entered phone number, so enter it in the specified frame. After that, you can register your Yahoo! Money/Wallet by setting your PIN. You can also register your bank account with the PayPay app after registering your Yahoo! wallet.

After that, you can charge at any time by tapping “Charge” from the PayPay home screen and selecting the amount and account.

Convenience store payment to Yahoo! Money:

PayPay can also be charged from a 7-Eleven ATM without linking a credit card or bank account.

First, tap “Trade with a smartphone” at Seven-Eleven ATM. Then, the QR code will be displayed. Next, select “Charge” on the PayPay app and select “Seven Bank” to activate the camera. After that, scan the QR code displayed on the ATM screen.

Enter the 4 digit PIN displayed in the app into the ATM. A charge is completed by setting the amount and depositing cash. No change will be given, so you need to deposit exactly the amount you set.

Link debit card:

PayPay can also be used in conjunction with debit cards. Debit cards are deducted from your bank account in real-time, so you don’t have to worry about overusing them like you would with a credit card. The procedure for registering a debit card is basically the same as for credit cards.

Tap the 3 lines at the top left of the PayPay app and select “Set payment method”. Tap “Add credit card” to activate the camera, so load the debit card. After that, enter the expiration date and security code of the debit card and tap “Add” to complete the registration.

However, only “Visa debit card” and “Mastercard debit card” can be registered to PayPay. Please note that other cards cannot be read.

If you use credit cards, Yahoo card is the best choice. This is because the payout rate for PayPay is basically 0.5% when you pay with a credit card, but it is 3% when you use a Yahoo card.

In addition, if you add a 1% Yahoo card return rate, you will be able to receive a real point return of 4% by double taking points. It can be said that Yahoo Card can maximize the appeal of PayPay.

In addition, if you have a Yahoo card that has registered your personal authentication service (3D Secure), you can charge with a credit card. This is a feature that other credit cards do not support. By charging from a Yahoo Card and using it, you can prevent overuse and also double points.


There are many ways to use PayPay without using a credit card. However, linking Yahoo Cards is the most effective way to maximize the benefits of PayPay. If you are going to use PayPay with a credit card, we recommend linking Yahoo Card.

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