Users
1.9MTOICA |
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TOICA is JR Central’s Japanese rechargeable transport card, with stored value also used at participating merchants. A fare or purchase reduces the prepaid balance, while the card’s deposit is not available to spend and mobile conversion or transport-pass variants carry separate rules.
Use cases:
Channels:
Initiation:
Markets
1TPV
$118MTransactions
45MEstimated Monthly Usage, Aurato Research, November 2026
Capabilities
Payments can be initiated using NFC; the method does not support full payment refunds. Customers do not need a local bank account. Payments can connect across different schemes or rails; payments can use JPY as a funding currency.
Markets
Schemes
PSPs
No PSP implementations have been mapped for this method yet.
Compliance
Regulator
Bank of Japan
