nanaco：以 Seven & i 集团便利店为锚的预付电子货币
本页目录
Wiki route
本条目位于 payments index 之下，是以 Seven & i 为锚的预付发行体页面，在 FSA 登记簿视角上与 prepaid payment instrument issuers registry 配对，在零售锚点的正面比较上与 WAON vs nanaco retail prepaid comparison 配对。请与 WAON（永旺对应物）、transit-prepaid economics（FeliCa 同业方案）和 FamiPay（便利店码支付对应物）比较。发行体／集团锚点为 Seven Card Service（FSA 登记的预付发行体）、Seven Payment Service（结算服务）、Seven Bank（集团银行轨道）和 Seven & i Holdings；忠诚度整合就 nanaco 积分经济性路由至 Japan points landscape。
TL;DR
nanaco 是 Seven & i 控股集团 以便利店为锚的预付电子货币，于 2007-04 推出，与同期的 WAON 推出并行。由 Seven Card Service（FSA 登记的第三者型前払式支払手段发行体，法人番号 4010001088278, ，2007-02-22 登记）发行，nanaco 运行于 FeliCa 非接触 IC 上，是 20,000 家以上 Seven-7 Japan 店铺网络 以及伊藤洋华堂超市、崇光西武百货店、阿卡佳本铺、Denny’s Japan 及广泛的集团外商户布局中占主导地位的预付电子货币。结算在 Seven & i financial-services platform 之下经由 Seven Payment Service 运行，并与 Seven Bank（集团银行轨道、ATM 充值）及用于自动充值的 Seven Card Plus 信用卡联名卡并列。nanaco 积分忠诚度货币以 1:1 转换为可消费余额，与 WAON POINT 模式并行。
Issuer and operational structure
| Dimension | Reading |
|---|---|
| Brand owner | Seven & i Holdings |
| FSA prepaid issuer of record | Seven Card Service |
| Corporate number | 4010001088278 |
| FSA registration date | 2007-02-22 |
| Settlement / payment services | 7-11支付服务 (Seven Payment Service) |
| Group bank rail | Seven Bank (ATM charge, auto-charge) |
| Group card rail | セブンカード・プラス (Visa / JCB co-brand with nanaco IC embedded) |
| Launch year | 2007-04 |
| Technology | FeliCa contactless IC |
| Mobile rail | Mobile nanaco (Osaifu Keitai), nanaco app, Apple Pay (limited devices via Wallet integration) |
| Charge ceiling | ¥50,000 per card |
| Single charge max | ¥29,000 typical |
Legal basis: 前払式支払手段 (third-party prepaid payment instrument)
与 WAON 一样，nanaco 在 日本的资金移动 vs 预付边界 第 3 章的预付框架下登记为 第三者型前払式支払手段。主要监管后果：
- Seven Card Service 在 FSA（关东财务局）登记，并列于 [[payments/prepaid-payment-instrument-issuers-japan-index|
daisan.xlsx]]。 - 每半年的 未使用余额供托 义务：当超过阈值（¥10M）时，将未使用余额结余的一半向法务局（供托）作为用户资金保护进行供托。
- 除发行终止外，不向原付款人退款。
- 对休眠／遗失卡的 失效收益（breakage） 计入发行体损益；Seven & i 在集团 IR 中披露余额数字。
- 在 PSA 预付阈值下适用 AML／KYC 豁免。
2023 PSA 修订下与 stablecoin / electronic-payment-instrument 框架的结构性区别使 nanaco 留在预付通道中 — 价值仅限店内，不可点对点转移。
Acceptance footprint
受理网络首先按 Seven & i 集团零售锚点构建，然后向集团外扩展：
| Tier | Description | Examples |
|---|---|---|
| Inner — Seven & i Group | Group convenience-store and retail anchors | 7-Eleven Japan (~21,000 stores), Ito-Yokado, Sogo & Seibu, Akachan Honpo, Denny’s Japan, York Mart, York Benimaru |
| Middle — Group bank rail | ATM charge, auto-charge via Seven Bank and Seven Card | Seven Bank ATMs (countrywide, including non-Seven locations), Seven Bank account auto-charge |
| Outer — Cross-merchant | Non-group merchants accepting nanaco tap | Tower Records (formerly), gas stations, drugstores, fast food, Pia ticket counters |
| Mobile rail | Apple Pay / Osaifu Keitai global FeliCa terminals | Any FeliCa-accepting POS |
| Tax / utility payment | nanaco-specific receipt payment use case | Income tax / property tax payment via 7-Eleven レジ (using nanaco to pay 払込票) — a distinctive nanaco-only flow |
税／公共费用的払込票支付 用例是一项结构上重要的 nanaco 特有流程：由于 7-Eleven 在收银台受理公款払込票（税单、公共费用账单）且该处受理 nanaco，纳税人可就这些支付赚取 nanaco 积分 — 这是 WAON 不能同等提供的流程，因为永旺不受理同样范围的公共费用／税务払込票。
KPI snapshot
| Metric | Reading (most recent public disclosure) |
|---|---|
| Cumulative issued cards / IDs | Tens of millions; Seven & i 統合報告書 reports cumulative nanaco issuance among top-3 retail prepaid brands by card count |
| Annual transaction count | Top-tier retail-prepaid by tap count at convenience-store registers (very high tap-frequency anchor) |
| 7-Eleven store coverage | ~21,000 stores nationwide (all accept nanaco) |
| Group acceptance points | Substantial — Seven & i full retail footprint |
| nanacoポイント issuance | ¥200 = 1 point at 7-Eleven typical base rate |
逐期的确切交易金额／件数在 Seven & i HD 分部 IR 及 Seven Card Service 报告中披露 — FinWiki 引用 IR 文档而非重现季度数字。
Strategy: convenience-store cashless anchor
nanaco 在 Seven & i 内部的战略角色：
- 便利店收银速度 — 在峰值吞吐的 7-Eleven 收银台，FeliCa 触碰比码支付的二维码扫描更快；nanaco 保有码支付难以撼动的结构性速度优势。
- 税／公共费用払込票的无现金转换 — 通过 7-Eleven 收银台受理，处于将税／公共费用现金支付转换为无现金的独特位置。
- 集团金融服务交叉销售 — nanaco 的使用为 Seven Bank 开户及 Seven Card 信用卡发行供给。
- 入境游客受理 — Mobile nanaco／Apple Pay 触达在日本的海外 iPhone 用户；结合 Seven & i 高密度的城市店铺网络，这是一条有意义的游客无现金通道。
- 与码支付共存 — Seven & i 集团也在 7-Eleven 收银台运营 PayPay 受理、乐天 Pay、d 支付、au PAY；nanaco 是多轨受理中 以集团忠诚度为锚的 轨道，而非码支付竞争对手。
2019 7pay 事件（在安全失败后被撤回的短命 7pay 码支付产品）强化了 Seven & i 将 nanaco 定位为持久的集团无现金锚点、而非再次尝试 Seven 品牌码支付的立场。
Related
- INDEX
- prepaid-payment-instrument-issuers-japan-index
- waon-nanaco-retail-prepaid-comparison
- waon-prepaid-aeon
- japan-transit-prepaid-suica-pasmo-icoca-economics
- famipay-valucreate-strategy
- funds-transfer-vs-prepaid-boundary
- japan-payment-scheme-economics-matrix
- seven-card-service
- seven-payment-service
- seven-bank
- seven-and-i-hd
- japan-points-landscape
- FinWiki index
Sources
- nanaco official site (nanaco-net.jp).
- Seven Card Service corporate site (7card.co.jp).
- Seven & i Holdings corporate site (7andi.com) — group structure and IR.
- Seven-Eleven Japan corporate site (sej.co.jp) — store network and register acceptance.
- Seven Bank corporate site (7bank.co.jp) — group bank rail and ATM charge.
- FSA,
daisan.xlsx— third-party prepaid-instrument issuer registration list (Seven Card Service entry, registered 2007-02-22). - FSA prepaid payment instruments policy page.
- METI cashless policy page.