QRコード決済の日本市場の評価：タイプ別、決済方式別、エンドユーザー別、用途別、地域別、機会、予測（2019年度～2033年度）

日本のQRコード決済の市場規模は、「キャッシュレス・ビジョン」政策などの政府主導のキャッシュ戦略、スーパーアプリとeコマースの統合、スマートフォンの普及と若者の採用などの多くの要因により、2025年度の6億7,000万米ドルから2033年度に12億5,000万米ドルに達すると予測され、2026年度～2033年度の予測期間にCAGRで8.13%の成長が見込まれます。市場は、採用のためらいから実用性の普及へと大きく進化しました。かつては現金とカードに依存していた日本ですが、規制の後押し、スマートフォンの普及、タッチレスで迅速な会計への消費者の選好の高まりにより、現在はデジタル決済の変曲点に立っています。

政府の「キャッシュレス・ビジョン」戦略は、QRコードを後押ししました。現在、QR決済はレストランでの食事から診察まで、幅広い用途で利用されています。重要なのはシンプルさであり、これらに物理的なカードや専用の端末は必要なく、スキャンし決済して完了です。

PayPayやLINE Payといった国内企業がユーザーのマインドシェアを独占し、Rakuten Pay、Apple Pay、Google Payがエコシステムの囲い込みを争っています。QRコードは、静的であれ動的であれ、もはや単なる決済手段でなく習慣として定着しており、拡大しています。

例えば、Rakuten Payment Co., Ltd.は2024年8月、キャッシュレス決済サービス、Rakuten Payのキャンペーンを実施しました。このキャンペーンでは、同アプリの送金機能を初めて利用し、楽天キャッシュ残高のうち500円以上を振り込んだユーザーに、特典として200楽天ポイントをプレゼントしました。これは、初めて送金機能を利用するユーザーを対象に、Rakuten Payアプリを通じて前払いや割り勘などのより便利なキャッシュレス取引を促進することを目的としたものです。

当レポートでは、日本のQRコード決済市場について調査分析し、市場規模と予測、市場力学、主要企業の情勢などを提供しています。

目次

第1章 プロジェクトの範囲と定義

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 顧客の声

• 回答者の人口統計
• QRコード決済の認知度と使用状況
• 採用の主な促進要因
• 決済の選好：ユースケース別
• QR決済に関する課題と懸念

第5章 日本のQRコード決済市場の見通し（2019年度～2033年度）

• 市場規模の分析と予測
  • 金額
• 市場シェアの分析と予測
  • タイプ別
    • 静的QRコード
    • 動的QRコード
  • 決済方式別
    • カードベース
    • ウォレットベース
    • 銀行振込
  • エンドユーザー別
    • 小売消費者
    • 商店
    • 企業
  • 用途別
    • 小売
    • 輸送
    • ホスピタリティ
    • 医療
    • その他
  • 地域別
    • 北部
    • 南部
    • 中部
  • 市場シェア分析：企業別（上位5社とその他）（金額）（2024年度）
• 市場マップ分析（2024年度）
  • タイプ別
  • 決済方式別
  • エンドユーザー別
  • 用途別
  • 地域別

第6章 需給の分析

第7章 バリューチェーン分析

第8章 ポーターのファイブフォース分析

第9章 PESTLE分析

第10章 コミッション/サブスクリプション分析

第11章 市場力学

• 市場促進要因
• 市場の課題

第12章 市場動向と発展

第13章 政策と規制情勢

第14章 ケーススタディ

第15章 競合情勢

• マーケットリーダー上位5社の競合マトリクス
• 上位5社のSWOT分析
• 主要8社の市場企業の情勢
  • PayPay Corporation
  • LINE Corporation
  • Rakuten Group, Inc.
  • Mercari, Inc.
  • NTT Docomo, Inc.
  • KDDI Corporation
  • Apple Inc.
  • Google LLC

第16章 戦略的提言

第17章 調査会社について・免責事項

List of Tables

• Table 1. Competition Matrix of Top 5 Market Leaders
• Table 2. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 3. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. Japan QR Code Payments Market, By Value, In USD Billion, FY2019-FY2033F
• Figure 2. Japan QR Code Payments Market Share (%), By Type, FY2019-FY2033F
• Figure 3. Japan QR Code Payments Market Share (%), By Payment Mode, FY2019-FY2033F
• Figure 4. Japan QR Code Payments Market Share (%), By End-user, FY2019-FY2033F
• Figure 5. Japan QR Code Payments Market Share (%), By Application, FY2019-FY2033F
• Figure 6. Japan QR Code Payments Market Share (%), By Region, FY2019-FY2033F
• Figure 7. By Type Map-Market Size (USD Billion) & Growth Rate (%), FY2025
• Figure 8. By Payment Mode Map-Market Size (USD Billion) & Growth Rate (%), FY2025
• Figure 9. By End-user Map-Market Size (USD Billion) & Growth Rate (%), FY2025
• Figure 10. By Application Map-Market Size (USD Billion) & Growth Rate (%), FY2025
• Figure 11. By Region Map-Market Size (USD Billion) & Growth Rate (%), FY2025

Japan QR code payments market is projected to witness a CAGR of 8.13% during the forecast period FY2026-FY2033, growing from USD 0.67 billion in FY2025 to USD 1.25 billion in FY2033 due to a lot of factors, including government-led cash initiatives such as "Cashless Vision" policy, super app and e-commerce integration, and smartphone penetration and youth adoption. Japan's QR code payments market has evolved significantly from hesitant adoption to widespread utility. Once reliant on cash and cards, Japan now stands at a digital payment inflection point, driven by regulatory nudges, smartphone penetration, and rising consumer preference for fast, touchless checkouts.

The government's "Cashless Vision" strategy initiative gave QR codes a soft push. Today, QR payments are used for a wide range of applications, from dining at restaurants to visiting doctors. The key is simplicity; there is no need for physical cards or specialized terminals - scan, pay, and done.

Domestic players such as PayPay and LINE Pay dominate user mindshare, while Rakuten Pay, Apple Pay, and Google Pay battle for ecosystem lock-in. The QR code, whether static or dynamic, is not just a payment method anymore; it has become a behavior, and it is growing.

For instance, in August 2024, Rakuten Payment Co., Ltd. conducted a campaign for its cashless payment service, Rakuten Pay. During this campaign, users who used the app's sending function for the first time and transferred 500 yen or more of their Rakuten Cash balance received 200 Rakuten Points as a reward. The initiative targeted first-time users of the sending feature, aiming to encourage more convenient cashless transactions, such as advance payments or bill splitting, through the Rakuten Pay app.

Surge in Wallet-Based QR Payments Across Urban Japan

QR payments were once an option. In many Japanese cities, they are now accepted. Wallet-based QR code systems, particularly those from PayPay, Rakuten Pay, and LINE Pay, have experienced a surge in adoption due to rewards, ease of use, and cross-platform merchant acceptance. These QR wallets are not niche; they are national. From family-run ramen shops to JR train kiosks, wallets are winning.

In August 2024, PayPay crossed 60 million registered users, covering 4.2 million merchants across Japan. That is nearly every convenience store, izakaya, and mall kiosk in Tokyo and Osaka. The company processed over USD 69 billion (JPY 10 trillion) in transactions in fiscal year 2023 alone, representing a 17% increase from the previous year.

Retail Sector Accelerates QR Integration via Super App Ecosystems

Japan's fragmented retail space is rapidly unifying around QR code payments, thanks to super app ecosystems. From loyalty to logistics, QR codes are now stitched into the retail experience. Speeding QR adoption is being observed with bold incentives and rewards, making contactless payments fun, convenient, and widespread.

For instance, in March 2024, the Tokyo Metropolitan Government launched a 10% rebate campaign via QR wallets (PayPay, auPAY, Rakuten Pay, d-payment), spanning over 350,000 stores, from convenience chains to family restaurants. The campaign led to a significant increase in consumer usage and retailer adoption.

This is not about replacing POS terminals; it is about redefining them. QR codes are now checkout counters, coupons, and loyalty cards, all in one pixelated square.

Dynamic QR Code Systems Revolutionize Enterprise and Healthcare Payments, Aiding Growth

Japan QR code payment sector is witnessing a transformation as dynamic QR technology enables secure, real-time transactions for corporate and medical payments. Enterprises are adopting these systems for B2B invoicing, supply chain payments, and automated reconciliation, while healthcare providers leverage them for insurance claims, telemedicine fees, and contactless patient billing. Unlike static QR codes, dynamic versions generate unique, time-sensitive transactions, reducing fraud risks and enabling rich data integration with ERP/EHR systems. With major banks and fintechs (such as PayPay and LINE Pay) supporting the standard, Japan's QR payments are evolving beyond retail into mission-critical financial infrastructure, driving annual growth in commercial adoption.

For instance, in August 2024, TBCASoft's HIVEX Network Launches Dynamic-QR Across Japan. The HIVEX payment network (by TBCASoft) rolled out dynamic QR codes at hundreds of thousands of merchants, covering taxis, vending machines, retail stores, and public services. Each scan generates a unique, time-sensitive QR for airtight security and rapid transaction verification, pushing QR ubiquity deeper into everyday life.

Key Players Landscape and Outlook

Japan's QR code payment market is led by PayPay, which dominates through cashback incentives, mass merchant partnerships, and deep integration within SoftBank's ecosystem. LINE Pay, now part of the LY Corporation (comprising Z Holdings and LINE), integrates payments into Japan's largest messaging platform, creating a high-retention super app model. Rakuten Pay leverages its e-commerce, telecom, and banking arms to drive the adoption of closed-loop QR codes among users within the Rakuten ecosystem. NTT Docomo's D payment and KDDI's au PAY offer telco-tied payment experiences, especially among older users. Meanwhile, Apple Pay and Google Pay are gaining ground among premium and Android users, respectively, often serving as the gateway for QR code adoption via Suica or merchant apps. The real battle is no longer just over who owns the transaction, but who owns the consumer journey from start to finish.

For instance, in November 2024, PayPay Corporation partnered with Alipay+ (an affiliate of Alibaba Group Holding Limited), integrating over 3 million local merchants into a global payment network, thereby bridging inbound tourism and QR-enabled commerce. Together with PayPay, Alipay+ is connecting local SMEs in Japan to the worldwide payment ecosystem, unlocking further growth opportunities for both small businesses and payment partners.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customers

• 4.1. Respondent Demographics
• 4.2. Awareness and Usage of QR Code Payments
• 4.3. Key Drivers for Adoption
• 4.4. Payment Preferences by Use Case
• 4.5. Challenges and Concerns Regarding QR Payments

5. Japan QR Code Payments Market Outlook, FY2019-FY2033F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Type
    • 5.2.1.1. Static QR Code
    • 5.2.1.2. Dynamic QR Code
  • 5.2.2. By Payment Mode
    • 5.2.2.1. Card-based
    • 5.2.2.2. Wallet-based
    • 5.2.2.3. Bank Transfer
  • 5.2.3. By End-user
    • 5.2.3.1. Retail Consumer
    • 5.2.3.2. Merchants
    • 5.2.3.3. Enterprises
  • 5.2.4. By Application
    • 5.2.4.1. Retail
    • 5.2.4.2. Transportation
    • 5.2.4.3. Hospitality
    • 5.2.4.4. Healthcare
    • 5.2.4.5. Others
  • 5.2.5. By Region
    • 5.2.5.1. North
    • 5.2.5.2. South
    • 5.2.5.3. Central
  • 5.2.6. By Company Market Share Analysis (Top 5 Companies and Others - By Value, FY2024)
• 5.3. Market Map Analysis, FY2024
  • 5.3.1. By Type
  • 5.3.2. By Payment Mode
  • 5.3.3. By End-user
  • 5.3.4. By Application
  • 5.3.5. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Commission/Subscription Analysis

11. Market Dynamics

• 11.1. Market Drivers
• 11.2. Market Challenges

12. Market Trends and Developments

13. Policy and Regulatory Landscape

14. Case Studies

15. Competitive Landscape

• 15.1. Competition Matrix of Top 5 Market Leaders
• 15.2. SWOT Analysis for Top 5 Players
• 15.3. Key Players Landscape for Top 8 Market Players
  • 15.3.1. PayPay Corporation
    • 15.3.1.1. Company Details
    • 15.3.1.2. Key Management Personnel
    • 15.3.1.3. Products and Services
    • 15.3.1.4. Financials (As Reported)
    • 15.3.1.5. Key Market Focus and Geographical Presence
    • 15.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 15.3.2. LINE Corporation
  • 15.3.3. Rakuten Group, Inc.
  • 15.3.4. Mercari, Inc.
  • 15.3.5. NTT Docomo, Inc.
  • 15.3.6. KDDI Corporation
  • 15.3.7. Apple Inc.
  • 15.3.8. Google LLC

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

16. Strategic Recommendations

17. About Us and Disclaimer