The Japanese mobile phone industry recently came under fire from the government for using ambiguous price-setting schemes and excessive handset discounts that stole customers from rivals but penalized loyalty.

This has prompted the three major carriers — NTT Docomo Inc., KDDI Corp. and SoftBank Corp. — to roll out new monthly plans that are more affordable to infrequent users and rein in their outrageous handset discounts.

How is the system changing and how will it affect your cellphone payments? Below are some questions and answers on the new pricing schemes: