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)

Consultation on
Creating a Business Scheme

Acting as Agent and Providing
Support for Registration and
Submission of Notifications
(Preparation of Necessary
Company Regulations for
Building a Corporate Structure)

Negotiation with
Administrative Bodies
(Attorneys who are familiar with
the Administrative Procedure Act
will handle negotiations)

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 BusinessIssuance of Prepaid Payment Instruments for Own BusinessIssuance of Prepaid Payment Instruments Not Requiring LicenseCollection
Agency
Point
Service
Target for launching serviceAbout 6-12 monthsAbout 6-12 monthsAbout 3 monthsAbout 1 monthAbout 1 monthAbout 1 month
LicenseRegistrationRegistrationNotificationNoneNoneNone
Upper limit amount·Type 1: None
·Type 2: One million yen
·Type 3: Five thousand yen
UnlimitedUnlimitedUnlimitedUnlimitedUnlimited
Requirements for assetsNo certain amountMore than 10 million yen of net assetNoneNoneNoneNone
Obligation to safeguard assetsSecure 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
NoneNoneNone
Obligation to build a corporate structureYesYesYesNoneNoneNone
Application RequirementNoneNoneNoneNoneNoneNone
Registration and license tax150,000 yen150,000 yenNoneNoneNoneNone

BNPL Services

Credit BusinessInstallment Finance BusinessMonthly payment of credit card balanceMoney Lending Business
Target for launching serviceAbout 6-12 monthsAbout 6-12 monthsAbout 3-6 monthsAbout 6-12 months
LicenseRegistrationRegistrationNone
(Registration of credit card member may be needed)
Registration
Upper limit amountNone
*100,000 yen for Type 3 Fund Transfer Service
NoneNoneNone
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 moreNoneNet assets amounting to 5 million yen or more
Obligation to safeguard assetsNoneNoneNoneNone
Obligation to build a corporate structureYesYesYes
(Only for Credit Business)
Yes
Application RequirementNoneNoneNoneYes
Registration and license tax150,000 yen150,000 yenNone
(*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