PayPay's "bonus management". I was aware of the existence of the mini app on the PayPay app, but I couldn't get my hands on it.
What is PayPay's "bonus management"?
Recommended point investment for investment beginners. I'm investing in points with "d payment" and "au PAY", but I couldn't start PayPay's "bonus management".
The reason for this is that normally, in order to use the points obtained for payment, one action is required, such as using the points or charging the points, whereas PayPay, which can be obtained with PayPay Because the bonus is added to the balance as it is, it felt more like cash. At the same time, I became more aware that I didn't want to lose money.
Also carefully read the release of "Achieving 4 million bonus operators!" Delivered by PayPay on August 3rd. After learning that 96.2% of operators are in plus operation (as of July 27, 2021), they finally started using it, saying, ``I have to do it now!''
In order to start PayPay's "bonus management", it is not necessary to open a securities account or register an ID, and there are no fees. PayPay bonus can be operated from 1 yen and can be withdrawn at any time, so you can easily try it. This area is the same as the point management services of other companies.
The difference is that you can choose from two types of operation courses for "bonus management": "standard course" and "challenge course". Both courses are linked to ETFs (exchange-traded funds) that handle 500 major companies in the United States, so you can check real price movements.
I tried using only the PayPay bonus for the return
To start PayPay's "bonus operation", operate from the PayPay app home screen. After opening "Bonus Management" and checking the terms of use, select "I agree to the above and continue".
After selecting "Start bonus operation", select the course to operate from "Standard course" and "Challenge course". I chose the "Challenge Course".
You can enter and add the PayPay bonus to be operated each time, but I set up an "automatic addition function" that automatically adds the PayPay bonus to the operation.
This setting is done from "Others" on the bonus operation home screen. When you tap "Auto add settings", the setting screen will appear, so select "Set auto add".
The check was changed from "No automatic addition" to the selected operation course. You can also cancel the settings from here.
The investment profit after a little over a month is 300 yen
"Automatic addition function" that operates only with the returned PayPay bonus, without adding the PayPay bonus to be operated. After that, I thought that the balance would gradually increase with each purchase, but the next day, I was surprised to find that my bonus investment balance suddenly increased to 519 yen.
It seems that the balance that was being processed (PayPay bonus returned by payment etc.) was added all at once.
513 yen was added (returned) the next day, and 2,109 yen was added (returned) one week later. In this way, if the returned PayPay bonus was automatically operated, the balance under operation was astonishingly 7,243 yen 1 month and 5 days after the start of operation. Of this, investment income was 300 yen (+4.32%).
In other words, in my usage environment, a PayPay bonus of 6,943 yen was returned in about a month. I usually didn't notice it because it was automatically added to my PayPay balance, but I was surprised that so many PayPay bonuses were returned.
By the way, my PayPay payment in August 2021 is about 80,000 yen. Although the return rate is 1.5% by clearing the conditions of PayPay STEP, if you use 80,000 yen, you will normally only get a return of 1,200 yen.
Aiming for a “good deal day” with a high grant rate
On Sundays when the points increase, I shop in bulk at PayPay Mall and Yahoo! Shopping. Also, in my usage environment (because of PayPay steps and Yahoo! Premium members), the grant rate is 10% at PayPay Mall and 8% at Yahoo! Shopping. I was impressed that I was able to get about 5,700 yen.
| *From 12:00 on October 1, 2021, it was announced that the return rate for PayPay payments at PayPay malls, Yahoo! Shopping, etc. will change from 1% to 0.5%. I was. (Announcement from PayPay) |
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This is a bit off topic, but by starting "bonus management", I found out how I was receiving returns from PayPay. . Of course, there is a risk of losing the principal, but it is confirmed that we will continue to use "bonus management" in the future! I'm excited to see how much it will be in a year, including the investment profit, if I keep adding it automatically.
Sadako Watatani
Sachiko WataniAfter working in the editorial department of an information magazine, she became a freelance writer. She currently writes extensively for corporate owned media and information sites, mainly for the business information magazine "DIME" published by Shogakukan. He also serves as a guide for the lifestyle information site "All About." Self-proclaimed cashless queen. In addition to genres such as smartphone payments, electronic money, credit cards, points, and communication cost savings, he also handles hobby stationery and notebook articles.
Click here for a list of articles by this author| Cashless payments that you can easily pay without using cash. Many companies offer their own services, each with their own strengths. In the series "Mobile payment mini information", we will mainly introduce small stories related to payment services using smartphones. |
