I didn't see any explicit datapoints before, but now I can confirm it is possible for Android users to have and recharge a mobile Suica from a US credit card in Google Wallet while the primary Google account's payment profile country is set to United States all without rooting or sideloading. This may help certain users who don't want to pull the trigger on changing their primary account's payment profile country to Japan (or can't as they don't have access to a JP credit card, debit card, or gift card). Here's the configuration I used:
- Stock unrooted/unmodified Pixel 8a JP version (GA04432-JP)
- JP voice+data esim (this is not necessary to install below packages but some apps may check MCC/MNC)
- Primary (first sign-in) Google account with payment profile set to United States
- Secondary Google account with payment profile set to Japan
- Initial setup of device physically in Japan with JP esim service
- Tested reloading using US Amex Green in Japan and US
After signing in on the secondary account, switch to it and find the following packages on play store or desktop play store and install them. Reboot or wait a while and e-money and Osaifu-Keitai functions should all work. You may need to VPN to an endpoint in Japan or do this physically in Japan.
Note: When doing Osaifu-Keitai initial setup as well as Mobile Suica and Mobile PASMO setup, I used my primary account email (the one with US billing). I recommend this for users who intend to primarily operate from their US Google account.