https://mlipay.jp/en/tags/rakuten-pay/Recent content in Rakuten-Pay on MLI PayHugo -- gohugo.ioenMLI PayTue, 24 Mar 2026 13:50:00 +0900https://mlipay.jp/en/code-payment/thorough-comparison-major-mobile-payments/Tue, 24 Mar 2026 13:50:00 +0900https://mlipay.jp/en/code-payment/thorough-comparison-major-mobile-payments/<img src="https://mlipay.jp/img/thumbnail/thorough-comparison-major-mobile-payments-en.png" alt="Featured image of post Thorough Comparison of Major Mobile Payments: PayPay, d払い, Rakuten Pay" /><p>QR code and smartphone payments have become the centerpiece of Japan&rsquo;s cashless transition. While many players exist, the three market giants are <strong>PayPay</strong>, <strong>d払い</strong>, and <strong>Rakuten Pay</strong>. We compare their return rates, merchant availability, and general strengths.</p> <h2 id="1-paypay">1. PayPay </h2><p>The absolute leader in user and merchant count across Japan.</p> <ul> <li><strong>Base Rate</strong>: 0.5% (Up to 1.5% - 2.0% with PayPay Step completions)</li> <li><strong>Strengths</strong>: Accepted at small local stores and independent cafes where other cards fail. Features easy peer-to-peer money transfers.</li> </ul> <h2 id="2-rakuten-pay">2. Rakuten Pay </h2><p>Offers high point yield defaults and seamless Rakuten Point integration.</p>