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for Metro, I pay by my iPhone with the Suica App. It is basically a top up card. I don’t think you can pay by contactless visa like in London yet. The alternative is get a physical suica card but due to chip shortage the actual cards are hard to come by. People are meant to return them when leaving the country and get 500 yen deposit back but people take them home with them as souvenirs…there is an entire sub culture of people collecting different design ones by different operators around the country!
Suica card on the iPhone I top up via Apple Pay. I hope they have updated the machine to take card and cash.
there are 2 types of Suica, the Welcome version which is red and only valid for 30 days or the green one which is standard, same as the iPhone one, which when topped up, valid for 10 years. The green ones and Pasmo are in low supply. You can still find them but probably not in the major stations in Tokyo.
You can add it to your phone now to see, don’t need to add money to it. It’s under travel cards.