How to early repay Paypay Card credit card
If you have a credit card from Paypay Card in Japan, you may want to make an early repayment of the card balance to recover the credit limit.
In general, the steps are to first notify Paypay Card that we wish to make an early repayment, where the repayment details will be given. Then we transfer funds according to the repament details provided. I highly recommend to try repaying a small bill first just to make sure you’ve got all the steps right.
Disclaimer: all the steps below are done at your own risk. If you have questions or is not comfortable at any point, do not continue the transfer and contact customer support.
Online Early Repayment via Chatbot
Paypay Card has an FAQ page about early repayment カードのご利用残高を前倒しで支払いたい that can be done entirely online. It contains general information on early repayment timeline and a note on partial repayments, so I recommend reading that first.
Eligibility for early repayment using this method
An early repayment using this method can only be done a certain period of the month. This is stated in the FAQ page (screenshot below), in short it’s anytime except on the morning of the 10th, and after 27th.
Make a repayment notification
The official way to make a repayment notification is using the chatbot. The FAQ page has instructions but only partially. Note that this method uses the 有人チャット “operator-manned chat” which is only available between 0930h to 1730h daily (except new years). The chatbot can accessed from the FAQ page itself, look for this icon on the bottom right of the page.
Note: the replies are either free-text or take the form of pre-determined options. If you can’t find the correct phrase, click on the blue もっと見る “see more” option to show more.
First, navigate to the “early repayment” dialogue branch. The FAQ page has instructions for how to do that but it is not complete. The replies to use are:
質問を入力するカードのご利用残高を前倒しで支払いたい前倒しで支払う（振込予定が10日、27日～29日以外の場合）(there are a few similar options, note the last part)いいえオペレーターにチャットで問する
Next, we wait a few minutes for an operator to come online who will verify our identity. We’re asked for these info, with helpful examples to show the expected format:
- Name of cardholder (not the name on the card but the name used to register with Paypay Card)
- Date of birth in
YYYYMMDD - Phone number without hyphens
Then we’re asked a series of questions about the repayment method.
- Are you the main cardholder themselves? Reply:
本人です - Do you want to early repay the entire outstanding bill, or only this month’s? Entire bill:
残高全てお支払い - What’s the transfer date? In
MM/DD. For example, 13th Aug would be8/13 - “Please complete the transfer by 2pm of <date>”.
分かりました“I understand”
Lastly, we’re presented with the transfer instructions. There are no confirmation emails or any other obvious way to retrieve this information, so make sure to save it. At the last part of the chat, we’re asked if there’s anything unclear so reply
なし“none”ありがとうございますif you are in a good mood
There’s also a link to the survey about the chat experience.
Transfer funds
Make a transfer following the repayment details earlier. The sender name should be the same as the cardholder name, and the amount should match exactly.
The card balance and credit limit should be updated after 1–2 business days.
For the next early repayment, repeat the whole process again as the repayment details could change.
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