The Cashless Payment Ratio for 2025 Has Been Calculated

Claims Supported by This Source

1. The cashless payment ratio for 2025 (domestic indicator) is 58.0% (162.7 trillion yen).
2. Breakdown of the numerator: credit cards 82.7% (134.6 trillion yen), debit cards 3.4% (5.5 trillion yen), e-money 3.7% (6.0 trillion yen), and code payments 10.2% (16.6 trillion yen).
3. In the December 2025 summary by the Cashless Promotion Council, the future target is "a cashless payment ratio of 80% based on the domestic indicator," and the interim target for 2030 is 65% (domestic indicator) or 55% (international comparison indicator).
4. The denominator for the international comparison indicator includes imputed rent for owner-occupied housing, etc. (approx. 57 trillion yen, equivalent to about 17%). Based on actual results from 2020-2024, the domestic indicator is about 8-9% higher.
5. Sources: Japan Credit Association for credit cards; Bank of Japan's "Payment and Settlement Statistics" for debit cards and e-money; Payments Japan Association for code payments; and the Cabinet Office's "System of National Accounts" (nominal) for the denominator.

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