How to Borrow and Repay with PayPay Bank Card Loan at Convenience Store ATMs: Fees, Hours | Guide to 7-Eleven, Lawson, Family Mart, and Ministop Compatibility

The PayPay Bank Card Loan allows you to easily borrow and make additional repayments from affiliated convenience store ATMs nationwide using your cash card. It is compatible with Seven Bank ATMs, Lawson Bank ATMs, and AEON Bank ATMs (located in Ministop), and a major appeal is that the usage fees for these partner ATMs are free of charge all day. On the other hand, there are points to know in advance, such as the fact that it is not compatible with E-net ATMs located in Family Mart and other stores, and the system where repayment is fundamentally by automatic debit from your account, with ATM payments only being for additional repayments. This article provides a detailed explanation of how to use the PayPay Bank Card Loan at convenience store ATMs, covering fees, operating hours, and procedures for each major convenience store. It also comprehensively explains the repayment rules, important notes, and what to do if you are unable to use the service.

A Comprehensive Guide to Convenience Store ATMs for PayPay Bank Card Loan Borrowing and Repayment

The PayPay Bank Card Loan allows you to use borrowing and additional repayment services at major convenience store ATMs near you by using your PayPay Bank cash card. First, let’s clarify which convenience store ATMs are compatible and which are not.

Overview of Partner ATMs at Major Convenience Store Chains (7-Eleven, Lawson, Family Mart, Ministop)

The PayPay Bank Card Loan is partnered with ATMs located in the following convenience stores, allowing for borrowing and additional repayments.

7-Eleven: Seven Bank ATM
Lawson: Lawson Bank ATM
Ministop: AEON Bank ATM

PayPay Bank Card Loan Compatibility at Seven Bank, Lawson Bank, and AEON Bank ATMs

ATMs at 7-Eleven, Lawson, and Ministop are partnered with PayPay Bank. For card loan transactions, you will need your PayPay Bank cash card and your 4-digit PIN.

Regarding Incompatibility with E-net ATMs (Family Mart ATMs)

As a key point, E-net ATMs located in Family Mart and other stores are not partnered with PayPay Bank. Therefore, you cannot use the PayPay Bank Card Loan for borrowing or repayment at Family Mart ATMs at all.

Available Transactions at Each Partner ATM

The following transactions are generally available at all partner convenience store ATMs.

Borrowing: You can withdraw cash within your credit limit.
Repayment: You can make additional repayments (partial or full repayments) separate from your monthly scheduled repayment.

[By Convenience Store] PayPay Bank Card Loan Borrowing & Repayment Details: Fees, Hours, and Operating Procedures

From here, we will detail the fees, available hours, and basic operating procedures for using the PayPay Bank Card Loan at each convenience store ATM.
*Information is current as of July 2025. Please check the official websites of PayPay Bank or each ATM operator for the latest information.

Using PayPay Bank Card Loan at 7-Eleven (Seven Bank ATM)

Main Available Transactions

Borrowing (Withdrawal)
Repayment (Deposit)

ATM Fees for Borrowing and Repayment

Free of charge at all times. There are no fees for either borrowing or additional repayments.

Source: [Card Loan] Which ATMs can I use for borrowing? – PayPay Bank

ATM Availability and Maintenance Information

In principle, it is available 24/7, 365 days a year, but the service is unavailable during PayPay Bank’s system maintenance times.

ATM Borrowing Procedures

Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
Insert your PayPay Bank cash card into the ATM.
Select the “Withdrawal (Borrowing)” button.
Enter your 4-digit PIN.
Enter the desired borrowing amount.
Confirm the details and receive your cash, card, and transaction receipt.

ATM Repayment Procedures

Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
Insert your PayPay Bank cash card into the ATM.
Select the “Deposit (Repayment)” button.
Enter your 4-digit PIN.
Insert bills for the amount you wish to repay. (Coins are not accepted)
Confirm the details and receive your card and transaction receipt.

Using PayPay Bank Card Loan at Lawson (Lawson Bank ATM)

Main Available Transactions

Borrowing (Withdrawal)
Repayment (Deposit)

ATM Fees for Borrowing and Repayment

Free of charge at all times. There are no fees for either borrowing or additional repayments.

Source: [Card Loan] Which ATMs can I use for borrowing? – PayPay Bank

ATM Availability and Maintenance Information

Lawson Bank ATMs are also operational nearly 24 hours a day, but the service is unavailable during PayPay Bank’s maintenance times.

ATM Borrowing Procedures

The basic operating procedure is the same as for Seven Bank ATMs. Follow the on-screen instructions, starting with “Withdrawal.”

ATM Repayment Procedures

Start the transaction from “Deposit” and select “Card Loan Repayment.” Follow the on-screen instructions to insert your card and deposit the repayment amount.

Using PayPay Bank Card Loan at Ministop (AEON Bank ATM)

Main Available Transactions

Borrowing (Withdrawal)
Repayment (Deposit)

ATM Fees for Borrowing and Repayment

Free of charge at all times. There are no fees for either borrowing or additional repayments.

Source: [Card Loan] Which ATMs can I use for borrowing? – PayPay Bank

ATM Availability and Maintenance Information

AEON Bank ATMs are also available almost 24 hours a day, but the service is also unavailable during PayPay Bank’s maintenance hours.

ATM Borrowing Procedures

The operating procedure is largely the same as for other convenience store ATMs. Follow the on-screen instructions to complete the transaction.

ATM Repayment Procedures

Start the process from the “Deposit” menu on the screen and follow the instructions to make your deposit.

Using PayPay Bank Card Loan at Family Mart (E-net ATM)

You cannot use the PayPay Bank Card Loan at E-net ATMs.

Guide to PayPay Bank Card Loan Repayment: Additional Repayments at Convenience Store ATMs and Automatic Debits

Standard Repayment Method: Automatic Debit from PayPay Bank Account (Scheduled Repayment)

The standard repayment method for the PayPay Bank Card Loan is “Scheduled Repayment,” where the payment is automatically debited from your PayPay Bank savings account on the scheduled monthly repayment date. You must ensure you have a balance equal to or greater than the debit amount in your savings account by the day before the repayment date.

Additional Repayments (Prepayments) at Partner Convenience Store ATMs

Repayments made from a convenience store ATM are considered “Additional Repayments,” which are separate from the scheduled repayments. This is a voluntary repayment method for paying down the principal ahead of schedule when you have extra funds.

Types of Additional Repayment: “Full Repayment” and “Partial Repayment”

Additional repayments include “Full Repayment,” where you repay the entire outstanding balance, and “Partial Repayment,” where you repay a portion of it. Both procedures are possible at convenience store ATMs. The amount you repay at an ATM is applied to the principal, which can be effective in reducing the total interest you pay. It is important to note that even if you make an additional repayment, the scheduled repayment (automatic debit) on your designated date will still be carried out as usual.

Timing for Credit Line Restoration After ATM Repayment

The amount you additionally repay at an ATM will be added to your available credit as soon as it is reflected in the system. This usually happens immediately after repayment.

How to Check Your Scheduled Repayment Date and Amount

You select your scheduled monthly repayment date when you sign the contract. You can check your repayment date and monthly repayment amount by logging into the PayPay Bank app or website.

Source: How to Repay (Monthly Repayments) – Card Loan – PayPay Bank

Important Information and Precautions for Using the PayPay Bank Card Loan at Convenience Store ATMs

How to Check Your Credit Limit and Apply for an Increase

You can check your credit limit, which is the maximum amount you can borrow, on the PayPay Bank app or website. If you wish to increase your limit, you can also apply from the app or website. After you apply, a prescribed screening process will be conducted.

Per-Transaction and Daily ATM Limits

In addition to your own credit limit, each ATM has its own per-transaction limit. For example, there may be a restriction, such as being able to withdraw only up to ¥500,000 at a time. If you wish to make a larger transaction, you will need to do so in multiple steps.

Borrowing Interest Rate (Annual Percentage Rate) and How to Calculate Interest

The interest rate for the PayPay Bank Card Loan is set within a range of 1.59% to 18.0% APR, depending on your contract. Interest is calculated on a daily basis using the following formula:
Interest = Outstanding Balance × Annual Percentage Rate ÷ 365 days × Number of Days Used

How to Inquire/Reset Your PIN If You Forget It

A 4-digit PIN for your cash card is required for ATM use. If you forget it, you will need to complete the reset procedure on the PayPay Bank website. For security reasons, you cannot be told your PIN directly over the phone or by other means.

Possible Reasons and Solutions If You Cannot Use Your Card at an ATM

If you are unable to use your card at an ATM, the following reasons are possible:
・You have exceeded your credit limit.
・Your card is locked due to entering the wrong PIN multiple times.
・The card’s magnetic stripe is faulty or the IC chip is damaged.
・It is during system maintenance hours for the ATM or PayPay Bank.
・Your scheduled payments are overdue.
If the issue is not resolved, please contact the PayPay Bank customer center.

Source: Contact Us & Information (For Individual Customers) – PayPay Bank

Keeping and Checking Your ATM Transaction Receipts

When you use an ATM, a transaction receipt is issued. This contains important records of the transaction, such as the date and time, transaction amount, and post-transaction balance. It is recommended that you check the details for accuracy and keep the receipt for a certain period.

Q&A on PayPay Bank Card Loan Borrowing and Repayment at Convenience Store ATMs

Q1. When and how do I pay the convenience store ATM usage fee?

A1. With the PayPay Bank Card Loan, usage fees for partner convenience store ATMs (Seven Bank ATM, Lawson Bank ATM, AEON Bank ATM) are free of charge all day for both borrowing and additional repayments. Therefore, you do not need to pay any fees.

Q2. If I make an additional repayment at an ATM, will my next automatic debit (scheduled repayment) still occur?

A2. Yes, it will. An additional repayment at an ATM is a voluntary payment separate from the scheduled repayment (automatic debit) on your designated date. Therefore, even if you repay at an ATM, the next scheduled repayment will be debited from your designated account as usual.

Q3. Why can’t I use it at Family Mart (E-net ATM)?

A3. This is because PayPay Bank does not have an ATM usage partnership with E-net. The use of the PayPay Bank Card Loan is limited to its partner ATMs, such as Seven Bank ATM, Lawson Bank ATM, and AEON Bank ATM.

Q4. Are the fees and operating hours the same during the New Year’s holidays and public holidays?

A4. The fees are free even during the New Year’s holidays and on public holidays. Operating hours also generally follow the calendar, but there may be times when the service is unavailable due to temporary system maintenance. It is recommended to check the official website for announcements before use.

Q5. Where can I check my borrowing and repayment history?

A5. You can check your borrowing and repayment history by logging into the PayPay Bank app or website. You can also check your most recent transactions on the receipt issued when you use an ATM.

Q6. Can I use a convenience store ATM without a card (e.g., with a smartphone app)?

A6. No, you cannot. Although PayPay Bank has a cardless ATM function using a smartphone app, card loan borrowing and repayment transactions are not supported. You must have your physical cash card to make card loan transactions at a convenience store ATM.

Q7. Is it possible to change my monthly scheduled repayment date?

A7. Yes, it is possible. After logging into the PayPay Bank website or app, you can go through the “Change Contract Details” menu to select and change your scheduled repayment date to any day from the 1st to the 28th, or the end of the month. However, please be aware that depending on the timing of the change, you may be required to make two repayments in one month, and the procedure cannot be performed on the scheduled repayment date itself.

Q8. Can I cancel a transaction in the middle of an ATM operation?

A8. Yes, you can. Before you confirm the amount and before the cash or receipt is dispensed, you can cancel the transaction by pressing the “Cancel” (とりけし) button on the ATM screen. If you are unsure how to proceed, just calmly press the cancel button.

Last Updated: July 12, 2025