The promotion of cashless payment is expected to bring about a variety of advantages. It can eliminate the risk of carrying a lot of cash and reducing the loss of currency, and as well as increase the productivity of the enterprise by saving cash management costs and then activating the transaction of e-commerce. In light of trends global cashless and domestic situations, Japan expanded a range of discussion of cashless payment policy in 2017. Anticipating the Olympics 2020 in Tokyo and World Expo 2025 in Osaka, Japan set a goal which aim to raise the ratio of consumers who utilize cashless payment to 40% or more by 2025. In April 2018, the Ministry of Economy, Trade and Industry released two documents titled: Cashless Vision and API Guidelines for Utilization of Credit Card Data as outcomes of the discussions by the study group. The guidelines presented model directions of measures for API specifications, security and protecting credit card users. Through this effort, Japan aimed to encourage businesses involved in API-based collaboration to enhance efficiency in providing credit card services and to create an environment in which users are able to enjoy cashless payment. After observing the motives and strategies of cashless payment in Japan, this study obtains that it is similar to some of Taiwan's current conditions, and elaborates to learn from Japan's experience as a reference for Taiwan to promote cashless payment, open API and open banking strategies.