Limitation on Suica or other prepaid IC cards in Japan isn't due to such reason. (Off topic: Suica is 20k JPY max so about $180) Those plastic cards or NFC pay

Limitation on Suica or other prepaid IC cards in Japan isn't due to such reason. (Off topic: Suica is 20k JPY max so about $180) Those plastic cards or NFC payment on phones can be used without any authentication. So limitation is important. For post paid (oriented) payment method like QUICPay, usually there's no limitation. Anyway additionally credit cards are available as same as worldwide. What happened for Japanese merchant (especially for restaurant) is that they just avoid adopting credit card or IC payment due to fee.