[Survey on Credit Card Tap Payments] 'Not Accepting Tap Payments' Directly Leads to Lost Opportunities for Stores. User Dissatisfaction with Store's 'Quality of Response' Also Revealed
Key facts
- [Survey on Credit Card Tap Payments] 'Not Accepting Tap Payments' Directly Leads to Lost Opportunities for Stores. User Dissatisfaction with Store's 'Quality of Response' Also Revealed
- A survey conducted by MP Solutions Co., Ltd. found that 84% of primary QR code payment users have also used credit card tap payments, and approximately 70% harbor some dissatisfaction. The lack of tap payment acceptance and the quality of store response directly lead to lost opportunities, with a lack of awareness about smartphone registration features also highlighted as an issue.
- Source: PR Times
- Date: June 4, 2026
Direct answer
A survey conducted by MP Solutions Co., Ltd. found that 84% of primary QR code payment users have also used credit card tap payments, and approximately 70% harbor some dissatisfaction. The lack of tap payment acceptance and the quality of store response directly lead to lost opportunities, with a lack of awareness about smartphone registration features also highlighted as an issue.
- Citation
- [Survey on Credit Card Tap Payments] 'Not Accepting Tap Payments' Directly Leads to Lost Opportunities for Stores. User Dissatisfaction with Store's 'Quality of Response' Also Revealed (June 4, 2026), PR Times
- Source
- PR Times
- Date
- June 4, 2026
A survey conducted by MP Solutions Co., Ltd. found that 84% of primary QR code payment users have also used credit card tap payments, and approximately 70% harbor some dissatisfaction. The lack of tap payment acceptance and the quality of store response directly lead to lost opportunities, with a lack of awareness about smartphone registration features also highlighted as an issue.
📋 Article Processing Timeline
- 📰 Published: June 4, 2026 at 23:00
- 🔍 Collected: June 4, 2026 at 14:21
- 🤖 AI Analyzed: June 6, 2026 at 22:37 (56h 16m after Collected)
MP Solutions Co., Ltd. (Headquarters: Minato-ku, Tokyo; President and Representative Director: Eiji Sato), which creates new value through cashless payments by empathizing with people's 'feelings,' conducted a survey on 'credit card tap payment usage' targeting 500 men and women aged 20-69 living in Tokyo. To compare the rapidly increasing QR code payments with the gradually established credit card tap payments and explore the actual situation, the survey targeted people who primarily use QR code payments daily and have also used credit card tap payments.
1. 84% of 'QR code users' have experience using credit card tap payments
Among those who primarily use QR code payments daily, 84% responded that they have also used credit card tap payments. This reveals the normalization of using multiple cashless methods.
2. Approximately 70% of QR code payment users continue using it while feeling 'dissatisfied'
The biggest dissatisfaction was 'being affected by the communication environment or battery level' (43.8%). Meanwhile, about 30% of those who feel this anxiety responded that they did not know 'credit card tap payments can be used even without a communication environment,' highlighting a lack of awareness of alternative methods.
3. The barrier to credit card payments is 'the hassle of taking out a wallet.' Expanding awareness of smartphone registration is key to expanding usage
Approximately half (47.4%) of primary QR code payment users responded that 'the hassle of taking out a card from a wallet' is inconvenient. Meanwhile, about 30% are unaware of the card registration function on smartphones (registration with Apple Pay/Google Pay), suggesting that increased awareness could expand usage scenarios.
4. Over 70% of QR code users have a need for 'tap payments.' Store environment improvement is an urgent task
32.6% of primary QR code payment users responded that 'whether tap payments are available' is a criterion for choosing a store. Including those who said 'it would be convenient if available' (44.2%), approximately 75% have a need. Meanwhile, about 70% of user dissatisfaction stems from the 'store's response/environment,' indicating that environmental improvement beyond mere introduction is a challenge.
Preliminary Survey To gather subjects for the main survey, a preliminary survey was conducted with 2,000 men and women in their 20s to 60s.
Q1. What payment method do you most often use for purchases of around 1,000 yen? (Multiple answers allowed)
QR code payment usage was 38.3%, a 16-point difference from the runner-up
When asked about the most frequently used payment method for purchases of around 1,000 yen, QR code payment users were the most common at 38.3%. This was followed by cash at 22.1% and credit cards at 21.6%, showing nearly equal results.
Q2. Have you ever used credit card tap payments? (Single answer)
84% of 'QR code users' have tap payment experience. Credit cards are mainly 'physical cards'
When the 765 people who chose QR code payments in preliminary survey Q1 were asked if they had ever used 'credit card tap payments,' 84% responded that they had. However, the most common form of usage was with physical cards*, accounting for about 40%. Even among those who regularly use smartphone payments, the usage rate of physical cards for credit cards is high.
*Plastic or metal cards carried in a wallet
Main Survey A survey was conducted targeting 500 people who primarily use QR code payments daily and have experience using credit card tap payments.
Q1. What are the inconvenient points of QR code payments compared to credit card payments? (Multiple answers allowed)
Approximately 70% of QR code payment users continue using it while feeling dissatisfied. The biggest concern is 'communication/battery'
Regarding the inconvenient points of QR code payments compared to credit card payments, 'being affected by the communication environment or battery level' was the most common at 43.8%. This was followed by 'the hassle of launching the app' and 'needing to worry about the balance.' While QR code payments (38.3%) are the most chosen for daily small-amount payments, it is clear that about 70% of users have some dissatisfaction.
About 30% do not know that 'credit card tap payments do not require a communication environment'
When those who responded that QR code payments are 'inconvenient due to the communication environment, etc.' in Q1 were asked if they knew that credit card tap payments can be used without a communication environment, 29.4% responded that they did not know.
Credit card tap payments can be used in underground stores or event venues where communication is often unstable, without being affected by the smartphone's communication status. As this awareness spreads, it is thought that users will increasingly choose between QR code payments and tap payments depending on the situation.
Q2. What are the inconvenient points of credit card payments compared to QR code payments? (Multiple answers allowed)
The bottleneck of credit card payments is 'the hassle of taking out a wallet'
Regarding the inconvenient points of credit card payments compared to QR code payments, the response 'having to take out a card from a wallet' was the most common at 47.4%. This was followed by 'QR code payment point rewards are better' at 28.8%, 'I tend to overspend' at 18.6%, and 'fewer stores accept it' at 4.8%.
30% do not know about 'credit card smartphone registration function'
When those who responded 'having to take out a card from a wallet' in Q2 were asked if they knew that registering with Apple Pay or Google Pay allows tap payments with a smartphone, 32.1% responded that they did not know.
40% do not know about 'credit card push notification function'
Furthermore, compared to prepaid payment methods, credit cards can sometimes make it harder to feel the actual usage and manage spending at the point of payment, leading some people to worry about 'overspending.' When those with such concerns were asked if they knew about the 'Push notification function' provided by credit card companies, 44.1% responded that they did not know.
'People satisfied with QR code payments' tend to be less aware of tap functions
Furthermore, an analysis of the 144 people who responded 'no particular dissatisfaction with QR code payments' in Q1 showed that 57.6% did not know about credit card 'smartphone registration,' and 69.4% did not know about the 'Push notification function.' Among the overall survey respondents (500 people), 41.4% did not know about the 'smartphone registration function,' and 52.6% did not know about the 'Push notification function,' indicating that people more satisfied with QR code payments tend to be less aware of tap payment functions. As awareness of these functions spreads, it is expected that the number of credit card tap payment users will increase further.
Q3. What inconveniences or dissatisfactions did you feel when using credit card 'tap payments'? (Multiple answers allowed)
Dissatisfaction with tap payments is not about 'function' but about 'store environment.' 70% of dissatisfaction stems from the store environment
When using tap payments, 39.8% of respondents answered that they 'felt no particular dissatisfaction.'
FAQ
What is the purpose of this survey?
To compare the usage of QR code payments and credit card tap payments, and explore challenges and opportunities in cashless payments.
What is the main dissatisfaction of QR code payment users?
Being affected by the communication environment or battery level (43.8%) is the biggest dissatisfaction, with about 70% of users feeling some dissatisfaction.
What are the inconvenient points of credit card tap payments?
The hassle of taking out a card from a wallet (47.4%) is the biggest inconvenience, and lack of awareness of smartphone registration features (Apple Pay/Google Pay) is also an issue.