How to Say “Pay by Card” in Japanese

カードで支払う
kaado de shiharau
To pay by card in Japanese is カードで支払う (kaado de shiharau).
The phrase カードで支払う is used to describe the action of using a credit or debit card to pay for goods or services. For more specificity, you can use クレジットカードで支払う to mean 'to pay by credit card' if you want to distinguish it from debit or prepaid cards. In a practical setting like a checkout counter, you can also simply say カードで to mean 'by card' or 'with a card' while pointing to your card to indicate your preferred payment method.

What does it mean word for word?

The phrase consists of kaado (card), the particle de (by means of) and shiharau (to pay).

Is there a formal and an informal way to say it?

While カードで支払う is the dictionary form, the polite form カードで支払います is more appropriate to use when speaking to a cashier. For a formal way to say 'pay by card', you can use カードでお支払いできますか。

How do you pronounce it?

kaado de shiharau

Did you know?

  • In Japan, it is common to hand your card to the cashier, who will then carry it to a separate terminal to process the payment and bring it back to you.
  • While you might say 'pay by card', in many Japanese shops you will hear the staff ask if you want to use 'touch' (タッチ) to pay, referring to contactless payment methods like IC cards.
  • Despite the phrase カードで支払う, Japan remains a heavily cash-based society where some small shops or traditional inns may still refuse cards entirely.

Examples in context

  • クレジットカードで払うことができますか。
    Is it possible to pay by credit card?
  • カードで払ってもいい?
    Can I pay by card?
  • ここではカードで支払うのが一般的です。
    Koko de wa kādo de shiharau no ga ippanteki desu.
    It is common to pay by card here.
  • 現金ではなく、カードで支払うつもりです。
    Genkin dewa naku, kādo de shiharau tsumori desu.
    I intend to pay by card, not cash.

Example conversation

Hina and Yota are at a store checkout.

  1. 陽葵 Himari

    陽太くん、カードで支払う?
    Yōota-kun, kŊdode shiharau?
    Yota, will you pay by card?
  2. 陽太 Yota

    うん、僕がカードで支払うよ。
    Un, boku ga kŊdode shiharau yo.
    Yes, I'll pay by card.
  3. 陽葵 Himari

    ありがとう。助かるよ。
    Arigatō. Tasukaru yo.
    Thank you. That helps me out.
  4. 陽太 Yota

    いいよ。気にしないで。
    Ii yo. Ki ni shinaide.
    It's okay. Don't worry about it.
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Maude Kathy
Maude KathyHelp make this guide better. Spot a mistake, know another way to say it, or have an example from real life? Share it below.
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