Payment and ATM

One phrase each for the moments at the register when you are not sure what to say.

1. QRコード決済けっさいでもいいですか。

   Can I pay by QR code?

   「決済」 is the formal term for payment; QR code payment is already widespread in Japan (PayPay and the like), but small shops may still be cash-only, so ask before pulling out your phone.

2. すみません、一万円札いちまんえんさつしかないんですが。

   Sorry, I've only got a ten-thousand-yen bill...

   「〜しかない」= "only have ..."; saying something before handing over a large bill is good manners, especially at small shops and in taxis — they may genuinely not be able to make change.

3. すみません、領収書りょうしゅうしょをもらえますか。

   Excuse me, could I get a receipt?

   **レシート (the printed slip) and 領収書 (a formal receipt) are two different things** — you need the latter for reimbursement, and the shop will ask what name to put on it.

4. ATMを探さがしているんですが。

   I'm looking for an ATM...

   「〜ているんですが」= "I'm ..." (an opener when asking for help), leaving the second half for the other person to complete; convenience store ATMs are basically available 24 hours a day.

5. このATM、海外かいがいのカードも使つかえますか。

   Can I use foreign cards at this ATM?

   For foreign card withdrawals, stick to 7-Eleven (セブン銀行) and post office ATMs — most bank ATMs don't take overseas cards, so you'd line up for nothing.

6. 手数料てすうりょうはかかりますか。

   Is there a fee?

   「手数料」means a handling fee; ATM withdrawals, money exchange, and transfers can all incur one, and late-night hours add an extra charge.

Topping up a transit card at a convenience store counter, where it turns out only cash is accepted.

1. Customer

   すみません、Suicaにチャージできますか。

   Excuse me, can I top up my Suica?

   「チャージ」＝ top up — a Japanese-made English word from “charge,” but in Japanese it means putting money on a card, and you use it for transit cards, phones, meal cards, everything.
2. clerk

   はい、いくらチャージしますか。

   Sure, how much would you like to add?
3. Customer

   三千円さんぜんえんお願ねがいします。

   Three thousand yen, please.

   You usually top up in multiples of 千円, and machines and counters won't take anything that isn't a round number.
4. clerk

   では、カードをこちらに置おいてください。

   All right, please place your card here.
5. clerk

   お支払しはらいは現金げんきんのみになります。

   We only take cash.

   Real-world rule: convenience store counters **basically only take cash** for topping up transit cards; 「〜のみ」 = "only", more formal than 「だけ」, and commonly used by shops when informing customers.
6. Customer

   あ、そうなんですね。じゃあ、現金げんきんで。

   Oh, I see. I'll pay in cash, then.

   「そうなんですね」is an aizuchi for taking in something new. Where 「わかりました」just confirms you understood, this one also shows it is news to you.
7. clerk

   三千円さんぜんえんチャージいたしました。

   I've added 3,000 yen to your card.

   「いたしました」 is the humble form of 「しました」, the reporting phrase shop staff use after completing the operation.