Comment by harrylove

FWIW, I used Suica on Apple Wallet on my iPhone 12 in July of this year. Adding money to the card required a debit card tied to my bank. Payment failed with a Visa credit card. Additionally, payment only worked during Japan business hours. But as long as there was money on the card, the card itself (on the phone) worked around the clock. The card worked for train travel, convenience stores, and vending machines.