Payment Settlement Service Package
Provide a One-Stop Service for money transfer and fund transfer businesses (Fund Transfer Service, Issuance of Prepaid Payment Instruments, Issuance of Credit Card, Collection Agency, Payment of Monthly Balance on the Credit Card, Issuance of Points)
1
Consultation on
Creating a Business Scheme
2
Acting as Agent and Providing
Support for Registration and
Submission of Notifications
(Preparation of Necessary
Company Regulations for
Building a Corporate Structure)
3
Negotiation with
Administrative Bodies
(Attorneys who are familiar with
the Administrative Procedure Act
will handle negotiations)
4
Preparation of Necessary Documents
such as Terms of Service (Use)
for Businesses
Fund Transfer Service
Payment Instruments enabling money transfer (exchange transaction)
Type 1 (Unlimited), Type 2 (Until one million yen), Type 3 (fifty thousand yen)
Issuance of Prepaid Payment Instruments for Third-Party Business
Prepaid Payment Instruments Available for Persons Other than the Issuer
Gift Certificates and Electronic Money
Issuance of Prepaid Payment
Instruments for Own Business
Prepaid Payment Instruments are available only for issuers
In-game coins, items used as payment instruments
Issuance of Prepaid Payment
Instruments Not Requiring License
Prepaid Payment Instruments including Prepaid Payment Instruments for Third-Party Business/ Own Business
Expiration date is within 6 months
Credit Business
Payment instruments allowing two months’ installment by issuing a credit card
Type 3 Fund Transfer Service support
Installment Finance Business
Payment instruments allowing two months’ installment without issuing credit card
Payment in installments (ex: when purchasing smartphones)
Money Lending Business
Methods of lending money
Use as a supplementary service when building a BNPL service
Collection Agency
Payment instruments that do not require a permit and license. This can be utilized in various businesses
Payment of electricity bills at a convenience store
Point Service
Payment instruments are issued without charge
Issuable without the need for a license or permit (but one needs to be aware of the Act Against Unjustifiable Premiums and Misleading Representations)
Monthly Full Payment of Credit Card Balance
Payment Instruments (BNPL) specified for 2 months’ advance payment
Next month-end payment (lump-sum payment)/ Credit card business/ Installment sales finance business
Money Transfer and Payment Service other than BNPL
| Fund Transfer Service (Type 1-3) | Issuance of Prepaid Payment Instruments for Third-Party Business | Issuance of Prepaid Payment Instruments for Own Business | Issuance of Prepaid Payment Instruments Not Requiring License | Collection Agency | Point Service | |
|---|---|---|---|---|---|---|
| Target for launching service | About 6-12 months | About 6-12 months | About 3 months | About 1 month | About 1 month | About 1 month |
| License | Registration | Registration | Notification | None | None | None |
| Upper limit amount | ·Type 1: None ·Type 2: One million yen ·Type 3: Five thousand yen | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited |
| Requirements for assets | No certain amount | More than 10 million yen of net asset | None | None | None | None |
| Obligation to safeguard assets | Secure 100% ·10 million yen minimum ·Agreement on Safeguard ·Trust *Management of assets by bank deposit and savings for Type 3 | Secure 50% ·5 million yen minimum ·Agreement on Safeguard ·Trust | ·Secure 50% ·5 million yen minimum ·Agreement on Safeguard ·Trust | None | None | None |
| Obligation to build a corporate structure | Yes | Yes | Yes | None | None | None |
| Application Requirement | None | None | None | None | None | None |
| Registration and license tax | 150,000 yen | 150,000 yen | None | None | None | None |
BNPL Services
| Credit Business | Installment Finance Business | Monthly payment of credit card balance | Money Lending Business | |
|---|---|---|---|---|
| Target for launching service | About 6-12 months | About 6-12 months | About 3-6 months | About 6-12 months |
| License | Registration | Registration | None (Registration of credit card member may be needed) | Registration |
| Upper limit amount | None ＊100,000 yen for Type 3 Fund Transfer Service | None | None | None |
| Requirements for assets | (1) Assets amounting to 2 million yen or more (2) Net assets exceed 90%. Less than 90% for Type 3 Fund Transfer Service (3) Fund Transfer Service | Net assets amounting to 5 million yen or more | None | Net assets amounting to 5 million yen or more |
| Obligation to safeguard assets | None | None | None | None |
| Obligation to build a corporate structure | Yes | Yes | Yes (Only for Credit Business) | Yes |
| Application Requirement | None | None | None | Yes |
| Registration and license tax | 150,000 yen | 150,000 yen | None (*150,000 yen for registration of credit card member) | 150,000 yen |
For inquiries and consultations regarding our Fund Settlement Service Package,
please fill out the form below.
If you are interested in our incentive plan, you may contact us through the consultation form below. We offer a free 30-minute legal consultation for first time inquiries.
*Please select the “Payment Settlement Service Package” option from the drop-down menu below
