ICOCA

pmt_icoca

ICOCA is JR West's Japanese stored-value card for rail travel and participating retail purchases. Travellers tap compatible gates or readers and replenish the balance for later use, while interoperability and supported mobile versions bring fare payments into everyday shopping.

Use cases:
Initiation:
Users
8.8M
Markets
1
TPV
$460M
Transactions
179M

Estimated Monthly Usage, Aurato Research, October 2026

Historical trends

Capabilities

Initiation & Authentication
Funding & Requirements
Processing & Settlement
Transaction Management
Refunds & Disputes
Additional native capabilities

Markets

Estimated Monthly Usage, Aurato Research, October 2026

PSPs

No PSP implementations have been mapped for this method yet.

Schemes

Compliance

Regulator
Bank of Japan

Standards