The PayPay Card cash advance feature is a convenient service that allows you to easily withdraw cash from ATMs at convenience stores nationwide when you need funds for unexpected expenses. However, unlike many other cards, it does not support early repayment at convenience store ATMs. This article provides a detailed explanation of how to use the cash advance feature with your PayPay Card, including fees, operating hours, and procedures for major convenience store ATMs (7-Eleven, Lawson, Family Mart, and Ministop). It also comprehensively covers correct repayment methods, interest, and what to do if you are unable to use the service.
- A Comprehensive Guide to Convenience Store ATMs for PayPay Card Cash Advance
- [By Convenience Store] PayPay Card Cash Advance Details: Fees, Hours, and Operating Procedures
- PayPay Card Cash Advance Repayment Guide: Convenience Store ATM Compatibility
- Important Information and Cautions for Using PayPay Card at Convenience Store ATMs
- Q&A on PayPay Card Cash Advance at Convenience Store ATMs
- Q1. If I use a cash advance at a convenience store ATM, how will it appear on the member menu and my statement?
- Q2. When and how will I be charged the ATM fee?
- Q3. What are the closing date and payment date (debit date) for cash advances?
- Q4. Why can’t I make an early repayment at a convenience store ATM?
- Q5. Can I use PayPay Card Gold or the former Yahoo! JAPAN Card in the same way?
- Q6. Are the fees and operating hours the same during New Year’s holidays and public holidays?
- Q7. Is the cash advance amount eligible for earning PayPay Points?
- Q8. Can I set or change my cash advance limit later?
A Comprehensive Guide to Convenience Store ATMs for PayPay Card Cash Advance
If you have a cash advance credit limit set on your PayPay Card in advance, you can immediately start using the cash advance service at a nearby convenience store ATM. First, let’s review which ATMs at which convenience stores are compatible.
Overview of Partner ATMs at Major Convenience Store Chains (7-Eleven, Lawson, Family Mart, Ministop)
PayPay Card (JCB, Visa, Mastercard) can be used for cash advance services (borrowing) at the following major convenience store ATMs across Japan.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- Family Mart: E-net ATM (*excluding some stores)
- Ministop: AEON Bank ATM
PayPay Card Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All of the convenience store ATMs listed above support PayPay Card cash advance (borrowing). However, early repayment (deposit) for cash advances cannot be made at any convenience store ATM. You will need your physical PayPay Card and the 4-digit PIN you have set.
Using Cash Advance at Overseas Convenience Store ATMs
PayPay Card can also be used for cash advances abroad. You can use it at ATMs displaying the logo of your card’s international brand (JCB, Visa, Mastercard) or related networks like “PLUS” (for Visa/Mastercard) or “Cirrus” (for Mastercard). You will also need your PIN when using it overseas, so be sure to confirm it before your trip.
[By Convenience Store] PayPay Card Cash Advance Details: Fees, Hours, and Operating Procedures
From here, we will detail the fees, available hours, and basic operating procedures for using PayPay Card cash advance at each convenience store ATM.
*All fees include tax. Information is current as of June 2025. Please check the official websites of PayPay Card Corporation or each ATM operator for the latest information.
Using PayPay Card at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: PayPay Card Corporation ATM Service | Seven Bank
ATM Availability and Maintenance Information
Seven Bank ATMs are generally available 24/7, 365 days a year. However, system maintenance may occur during certain times, such as late at night.
Cash Advance Operating Procedures at the ATM
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your PayPay Card into the ATM.
- Select the “Withdrawal (Borrowing)” button.
- Enter your 4-digit PIN.
- Enter the desired withdrawal amount.
- Confirm the details and receive your cash, card, and transaction receipt.
Using PayPay Card at Lawson (Lawson Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: PayPay Card | Lawson Bank
ATM Availability and Maintenance Information
Lawson Bank ATMs are also generally operational 24 hours a day but have regular maintenance times. The service is unavailable during these times.
Cash Advance Operating Procedures at the ATM
The basic operating procedure is the same as for Seven Bank ATMs. Follow the on-screen instructions to insert your card, enter your PIN, and specify the amount.
Using PayPay Card at Family Mart (E-net ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: PayPay Card | E-net ATM Fees & Service Hours | E-net, Inc.
ATM Availability and Maintenance Information
E-net ATMs are also available almost 24 hours a day, but may be temporarily unavailable for maintenance late at night or in the early morning.
Cash Advance Operating Procedures at the ATM
The operating procedure is largely the same as for other convenience store ATMs. Follow the on-screen instructions to complete the transaction.
Using PayPay Card at Ministop (AEON Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: ATM Cashing – How to Use PayPay Card | PayPay Card
ATM Availability and Maintenance Information
AEON Bank ATMs operate for long hours, but there may be times when they are unavailable due to the store’s business hours or system maintenance.
Cash Advance Operating Procedures at the ATM
The procedure is the same as for other ATMs. Follow the on-screen prompts to insert your card, enter your PIN, and enter the amount.
PayPay Card Cash Advance Repayment Guide: Convenience Store ATM Compatibility
Important: Early Cash Advance Repayment Not Supported at Convenience Store ATMs
The most important point regarding PayPay Card cash advance repayment is that early repayment (deposit) transactions cannot be made at any convenience store ATM, including Seven Bank, Lawson Bank, E-net, or AEON Bank. Repayment of cash advances must be done using the methods described below.
Basic Repayment Method: Automatic Debit from a Registered Account
Your cash advance balance will be automatically debited from your pre-registered bank account on the monthly payment date, along with your shopping charges. This is the basic repayment method.
Early Repayment Method: Bank Transfer to a Designated Account (Prior Contact Required)
If you wish to repay before the scheduled payment date to reduce the amount of interest you pay (early repayment), you must do so via bank transfer. This procedure requires prior contact.
Early Repayment Application Procedure (Phone)
To make an early repayment, you must first contact the PayPay Card Contact Center by phone. You cannot apply through the website. When you call, you will be informed of the exact repayment amount, including interest up to your desired repayment date, and the designated PayPay Card bank account for the transfer.
Confirming Transfer Account and Notes on Transferring
Transfer the amount provided over the phone to the designated account. You are responsible for any bank transfer fees. Additionally, the remitter’s name must be the card member’s name, and you must enter your member number before your name.
Timing for Credit Line Restoration After Repayment
When you make an early repayment via bank transfer, your available credit line will be restored after PayPay Card has confirmed receipt of the payment. This typically takes several business days, so your limit will not be restored immediately after the transfer.
Source: I want to repay my cash advance balance – Help | PayPay Card
Important Information and Cautions for Using PayPay Card at Convenience Store ATMs
Checking Your Cash Advance Limit and Applying for an Increase
To use the cash advance service, a “cash advance credit limit” must be set in advance. You can check your current limit from the “PayPay Card” icon in the PayPay app or in the member menu (web). You can also apply for a credit limit increase from the member menu, but this is subject to a prescribed screening process.
Per-Transaction and Daily ATM Withdrawal Limits
In addition to your own cash advance limit, each ATM you use has its own per-transaction limit. For example, there may be a restriction, such as being able to withdraw only up to ¥200,000 at a time. If you wish to make a larger transaction, you will need to do so in multiple steps.
Cash Advance Interest Rate (Annual Percentage Rate) and How to Calculate Interest
The cash advance interest rate for PayPay Card is 18.0% APR. Interest is calculated on a daily basis using the following formula:
Interest = Amount Borrowed × Annual Percentage Rate ÷ 365 days (366 in a leap year) × Number of Days Used
The number of days used is the period from the day after the borrowing date to the payment date (or early repayment date).
How to Inquire/Reset Your PIN If You Forget It
A 4-digit PIN is required to use the cash advance service. If you forget it, you can request an inquiry from the member menu (web). After the procedure, a document containing your PIN will be mailed to your registered address. For security reasons, it cannot be given to you directly on the spot.
Possible Reasons and Solutions If You Cannot Use Cash Advance
If you are unable to use cash advance at an ATM, the following reasons are possible:
・The cash advance credit limit has not been set or has been exceeded.
・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 card company.
・Your card payments are overdue.
First, check your usage status in the member menu. If the issue is not resolved, please contact the Contact Center.
Source: PayPay Card Customer Support & Inquiries – PayPay Card
Q&A on PayPay Card Cash Advance at Convenience Store ATMs
Q1. If I use a cash advance at a convenience store ATM, how will it appear on the member menu and my statement?
A1. On the member menu and your statement, it will be listed under usage details like “Cashing” or “Domestic CD,” and will show the date of use, amount, and the name of the financial institution operating the ATM (e.g., Seven Bank).
Q2. When and how will I be charged the ATM fee?
A2. The ATM fee will be debited from your account along with your cash advance amount on the monthly payment date.
Q3. What are the closing date and payment date (debit date) for cash advances?
A3. The closing date is the last day of each month, and the payment date (debit date) is the 27th of the following month (or the next business day if it’s a bank holiday). For example, amounts used by June 30th will be debited on July 27th.
Q4. Why can’t I make an early repayment at a convenience store ATM?
A4. This is due to PayPay Card’s system specifications. The card’s repayment channels are limited to direct debit and bank transfer with prior phone application, and the repayment function at partner ATMs is not offered.
Q5. Can I use PayPay Card Gold or the former Yahoo! JAPAN Card in the same way?
A5. Yes, you can use PayPay Card Gold in exactly the same way as described in this article. There are no special preferential ATM usage fees for Gold card members regarding cash advances. The former Yahoo! JAPAN Card (YJ Card) has been migrated to PayPay Card, so the same rules apply.
Q6. Are the fees and operating hours the same during New Year’s holidays and public holidays?
A6. As long as the ATM is operational, you can use cash advance during the New Year’s holidays and on public holidays, and the fees are the same as usual. However, operating hours may be altered due to special system maintenance.
Q7. Is the cash advance amount eligible for earning PayPay Points?
A7. No, the cash advance amount, ATM fees, and interest are not eligible for earning PayPay Points.
Q8. Can I set or change my cash advance limit later?
A8. Yes, you can. You can apply to set (add) or increase your cash advance limit from the member menu (web). A prescribed screening process will be conducted after the application.
Last Updated: June 24, 2025