PayPay Fraud: How to Report It and Stop the Money
If you sent money to a scammer through PayPay, or money left your PayPay account without your permission, contact PayPay straight away and ask them to block the receiving account. Wallet money moves fast, so the first minutes matter most.
Do this first
- Call PayPay’s official line below, or use help inside the official PayPay app. Never use a number from a text, a caller or a search result.
- Give them the transaction ID, the amount, the time and the number or account you paid, and ask them to block it.
- Change your PIN and password if anyone may know them. PayPay will never ask for your PIN or a one-time code.
- Report it to the police too: see who handles cybercrime in Japan, and keep screenshots of every message and payment.
Official PayPay fraud contacts
PayPay
WalletApp or online: Report a scam payment in the app's 送る・受け取る (Send/Receive) screen, then apply for compensation with the form described at https://paypay.ne.jp/help/service/service-compensation/
Know this about Japan
- Numbers starting 0120 are free but usually cannot be dialled from abroad: use the overseas numbers listed.
- Refunds for online banking or phishing losses depend on each bank's own policy; the law only guarantees refunds for ATM withdrawals with stolen or counterfeit cards.
If PayPay won’t help
Financial Services Agency (FSA) Financial Services Users Counselling Office
Advice on a dispute with a bank or payment provider. It refers you to the right body but does not mediate.
Call 0570-016811 (from IP phones 03-5251-6811), weekdays 10am–5pm; press 1 for deposits and loans, 4 for prepaid and money transfer. 10–11am is very busy.
Official websiteJapanese Bankers Association (Zenginkyo) Consultation Centre
Complaints about a bank, and formal dispute resolution (mediation) with banks.
Call 0570-017109 or 03-5252-3772, weekdays 9am–5pm (closed 31 Dec–3 Jan). The lines can be hard to get through on.
Official websiteReport it to the police too
Cybercrime agencies in Japan lists who to report to, and our step-by-step guide covers the rest: How to Report a Scam in Japan (and Recover Your Money).
These contacts were read on PayPay’s own website on 3 October 2026. If a number has changed, use the one in the official app and tell us. Banks and other providers in Japan are in Bank Fraud Help: Japan, and every wallet is in Mobile Wallet Fraud Help.