Three-point summary
- AirPAY accepts cards, e-money, and QR payments for Japanese merchants.
- AirPAY fits stores that want amount transfer from AirREGI and broad support for major cards, transit e-money, iD, QUICPay, and Japanese QR methods without a monthly fee.
- The standard rate is listed as 3.24% for major cards, iD, QUICPay, and UnionPay.
Decision summary
AirPAY fits stores that want amount transfer from AirREGI and broad support for major cards, transit e-money, iD, QUICPay, and Japanese QR methods without a monthly fee.
- Brand-level eligibility for 2.48%
- Effective fees including tax treatment
- Settlement frequency for the selected bank
This is an evidence-quality score based on official sources, pricing detail, caveat coverage, decision support, and verification records. It does not measure product performance or customer satisfaction.
- AirPAY fits stores that want amount transfer from AirREGI and broad support for major cards, transit e-money, iD, QUICPay, and Japanese QR methods without a monthly fee.
- Not every transaction uses one rate.
- No monthly fee, no bank transfer fee, and amount transfer from AirREGI can reduce duplicate entry for a small store.
- Recheck current pricing and billing terms on the official site
- Confirm cancellation, migration, and data-retention conditions
- Verify that required features are included in the selected plan
- Brand-level eligibility for 2.48%
- Effective fees including tax treatment
- Settlement frequency for the selected bank
- Buyers choosing only the lowest headline price
- Teams that will not check migration, cancellation, or data-retention terms
- Readers unable to recheck changes after the verification date
Research policy: For AirPAY Review: Fees, Settlement, Payment Methods, and Caveats, we prioritized the provider-owned sources listed below. Recheck prices, features, and terms on the official site before purchase.
Pricing: We use the provider’s official currency and do not publish independent exchange-rate conversions.
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Verdict: best considered with AirREGI and broad local acceptance
AirPAY fits stores that want amount transfer from AirREGI and broad support for major cards, transit e-money, iD, QUICPay, and Japanese QR methods without a monthly fee.
Not every transaction uses one rate. Payment brand, tax treatment, discount underwriting, bank, and the application used can change cost and settlement timing.
How to read the fee table
The standard rate is listed as 3.24% for major cards, iD, QUICPay, and UnionPay. Transit e-money and Rakuten Edy are 2.95% before tax, COIN+ is 0.99% before tax, and many QR methods are 2.95% before tax.
The 2.48% major-card rate requires application, eligibility, and brand-level approval. Calculate a weighted effective rate from the store's actual card, e-money, and QR mix instead of relying on the lowest advertised rate.
Settlement and cash flow
AirPAY and AirPAY Tap settle six times monthly for accounts at three named major banks and three times monthly for other supported banks. Bank transfer fees are free.
Online payments and some QR workflows can follow different settlement calendars. Maintain separate closing and deposit dates for each payment function in the cash-flow forecast.
Payment coverage and hardware
The service supports card-reader transactions, transit e-money, iD, QUICPay, and multiple QR methods. Underwriting completes separately by brand, so every method may not be active on opening day.
A compatible iPad or iPhone and reader are required, with optional printing equipment. Stores using AirREGI integration should verify the supported device and account configuration before launch.
Advantages and cautions
No monthly fee, no bank transfer fee, and amount transfer from AirREGI can reduce duplicate entry for a small store. The acceptance mix is designed for payment methods commonly used in Japan.
Rates are displayed with mixed tax treatment and the discount is not automatic. Underwriting, campaigns, and reader conditions can change, so save the current application terms.
Pre-launch checklist
Segment recent sales into card, e-money, QR, and cash. Model processing cost under both standard and discounted rates, and leave enough time for brand-level underwriting before a fixed opening date.
The effective cost is not only the advertised processing percentage. Model each payment method by expected sales mix, tax treatment of fees, settlement timing, refund handling, device requirements, and accounting workload. Confirm which methods are approved for the specific merchant category and keep cash or another fallback available until all required brands are active.
- Brand-level eligibility for 2.48%
- Effective fees including tax treatment
- Settlement frequency for the selected bank
- Device, operating system, and printer support
- Refund and connectivity-failure procedures
Frequently asked questions
Can Airペイ be used for free?
There is no monthly or bank transfer fee, but processing fees and a compatible device environment are required.
What should be tested before launch?
Reproduce a full trading day with real products, checkout, refunds, closing, connectivity loss, staff permissions, and data export.
Which cost matters most in a comparison?
Compare a three-year total covering processing, devices, subscriptions, connectivity, peripherals, settlement, and support.
Research scope and verification
- Official sources
- 4 sources
- Last verified
- July 20, 2026
- Topic guide
- Cashless Payment Services
We prioritize provider-owned pricing, product, and help pages and limit claims to what those sources support.
Official sources
Next action
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