Unlike the ICOCA card the PiTaPa card is postpaid card which requires that is connected to a bank account. The card requires a credit check or a deposit before use. There are basic PiTaPa cards as well as cards that affiliated with companies and can have other benefits or uses. You will have to fill out an application form which can be found at one of participating Railway stations. The PiTaPa works on many major railways, subways, and buses. However to use it on JR railways you must pre-load money onto the card.