East Asia & Pacific · GDP rank #20
Taiwan
TW · TWD @ 0.0318/USD
Tab 02
Consumer payments
How consumers actually pay: the share of cash, the stock and flow of cards, the scheme split at checkout, which mobile wallets matter, and how broadly POS acceptance reaches.
Every figure is authored against a named publisher — click the ⓘ anywhere to open the source panel with the underlying URL and access date.
Cash share of POS volume
Cash share of POS value
Debit-card penetration
Credit-card penetration
Payment mix
Cash vs. non-cash
The authored corpus for this country carries a single cash figure; the remainder is reported as a pooled non-cash bucket. See the card and wallet sections for the break-down within that bucket.
Share of POS
- Cash43%
- Non-cash (cards + wallets + A2A)57%
Cash behaviour
- Trend
- slowly_declining
- Context
- Cash share at POS among the highest in APAC ex-Japan — a function of near-universal EasyCard transit closed-loop, low credit-card penetration by density, and strong small-merchant cash preference.
Source · Financial Supervisory Commission (FSC)
Scheme share
Which networks clear the card volume
Scheme share is the split of general-purpose card purchase volume — not issuance, not count of cards. A high domestic share (e.g. UnionPay, RuPay, ELO) means a large share of card flow never touches a global scheme.
JCB's Taiwan share is anomalously high for a non-Japanese market — a legacy of Taiwan-Japan tourism corridor and cross-accepting agreements with Chunghwa Post and NCCC.
Share of card volume
- Visa42%
- Mastercard34%
- Jcb19%
- Amex4%
- Union Pay1%
Debit transactions · 2024
Active debit cards
Credit transactions · 2024
Active credit cards
Mobile wallets
Where wallets actually land
User counts are the best single scalar for wallet reach, but they understate usage intensity in markets where one super-app carries multi-digit trillions of renminbi or rupees. For flow, see the rails tab.
Active users
- LINE Pay13.2M
super-app wallet
- JKoPay (街口支付)7.4M
e-wallet
- Apple Pay10.8M
device wallet
- icash Pay5.6M
transit + wallet
Notable wallets
LINE Pay
super-app wallet
Operator · LINE Pay Taiwan (Z Holdings / SoftBank group)
Largest mobile wallet by MAU; card-linked and LINE Pay Money (e-money) variants; partnership with CTBC on co-branded credit card.
LINE Pay Taiwan
JKoPay (街口支付)
e-wallet
Operator · JKoS
JKoPay
Apple Pay
device wallet
Operator · Apple
Financial Supervisory Commission (FSC)
icash Pay
transit + wallet
Operator · iPASS / icash
iCash
Acceptance
- POS terminals
- 472.0k
- POS per million people
- 20.2k
- QR acceptance
- TWQR unified standard — coordinated by FISC, mandatory for all licensed e-money institutions since 2023
Source · Financial Information Service Co. (FISC)