# Visa Processing Integrity Program Fee (PIPF) in Japan

Starting October 2026 as part of Visa's Processing Integrity Program Fee (PIPF), Visa will charge fees for authorizations that aren't captured or cancelled within compliance windows.
This affects Japan-based accounts that use [manual capture](https://docs.stripe.com/payments/place-a-hold-on-a-payment-method). If you always capture payments immediately at checkout, there is no change.
## Authorization windows
### JPY-denominated transactions with domestically-issued (Japanese) cards
No action needed. Stripe authorization windows already meet the PIPF requirement.
- Transaction type
- Stripe window
- PIPF window
---
- All types
- 30 days
- 30 days
### Non-JPY transactions
No action needed. Stripe authorization windows already fall within Visa's limits.
- Transaction type
- Stripe window
- PIPF window
---
- MIT
- 5 days
- 5 days
---
- All others
- 7 days
- 10 days
### JPY-denominated transactions with internationally-issued cards
Stripe gives merchants 30 days to capture JPY-denominated payments, but PIPF requires shorter windows for internationally-issued cards depending on the transaction type.
- Transaction type
- Stripe window
- PIPF window
---
- Non-MIT, card-present
- 30 days
- 5 days
---
- Non-MIT, card-not-present
- 30 days
- 10 days
---
- MIT (subscriptions, recurring billing)
- 30 days
- 5 days
---
- Transit and rental (estimated authorization)
- 30 days
- 10 days
---
- Travel & entertainment (estimated authorization)
- 30 days
- 30 days
## How does this impact my account?
How the fee affects you depends on your pricing:
* **Blended (flat-rate) pricing:** Stripe absorbs the cost. This fee may be passed through to you in a future pricing update.
* **Interchange-plus (IC+) pricing:** Visa's fee is passed through directly to you as a per-authorization charge.
## What changes should I make?
For JPY-denominated authorizations on internationally-issued cards:
* Capture as soon as you're ready to fulfill, within the PIPF authorization window for your transaction type.
* Cancel the `PaymentIntent` when a customer abandons an order or booking, rather than letting the authorization expire.
* Use automatic delayed capture. Stripe's [automatic_delayed capture method](https://docs.stripe.com/payments/place-a-hold-on-a-payment-method#capture-payment-before-authorization-expires) captures automatically before authorization expiry, so you don't miss the window.
## FAQs
### Does this affect Mastercard transactions?
No. PIPF is a Visa-specific program. Mastercard has no equivalent program in Japan.
### Does this affect American Express transactions?
No. American Express operates its own network and is not subject to Visa's PIPF rules.
### What happens if I miss the window?
Starting October 2026, Visa may charge a fee per authorization that falls outside the compliance window.