Business OverviewBusiness Overview

It provides comprehensive payment-related services and finance-related services to operators.

We provide services based on payment that support online, cashless, DX, etc. The annual Transaction value exceeds 22 trillion yen, and Online Payment Service has been introduced to more than 150,000 merchants, including e-commerce businesses and public entity such as NHK and National Tax Agency. (Consolidated figures as of the end of December 2025)
As a leading company in the payment industry, Online Payment Service, payment services in the face-to-face area, buy now pay later BNPL (Buy Now Pay Later), financial institution BaaS Support to operating companies, and strategic investment and financing for overseas advanced FinTech companies, etc. payment finance We will lead social innovation through technology and contribute to the realization of a sustainable society and the progress and development of society.

Business Segments

(As of the fiscal year ending September 2025)

* Online payment: Pay-as-you-go, recurring payment, Z.com payment (payment service for overseas locals)

How does payment processing services work?

We provide a comprehensive payment system for merchants so that consumers can use a variety of payment methods, such as Credit card payment and buy now pay later payment.

Reflux model

We provide value-added services (finance-related services and payment revitalization services) that contribute to sales expansion to merchants who use our core business, payment processing services. As the number of merchants payment processing increases, we have established a "reflux model" that will expand our core business.

We provide our customers with comprehensive payment-related services and financial services.

We provide payment-related services that support the customer's online and cashless migration and digital transformation (DX). Annual transaction value exceeds ¥22 trillion and our online comprehensive payment services have been adopted by over 150,000 merchants such as EC operators and public institutions of NHK and National Tax Agency, etc. (As of end-December 2025, consolidated figures)
As the leading company in the payment industry, we contribute to the advancement and realization of a sustainable society by driving social innovations using payment and financial technology through our services, such as online comprehensive payment service, payment services in the offline market, Buy Now Pay Later (BNPL), BaaS Support services to financial institutions and enterprises and strategic investment and lending to overseas leading-edge FinTech companies.

Segment

(As of FY2025)

* Online payment includes pay-as-you-go and recurring payment and Z.com Payment (overseas payment service).

Scheme of Payment Processing Service

We provide a comprehensive payment system to merchants to enable the consumer to select their method of payment such as credit card and Payment After Delivery service.

A feedback loop model

The Company provides value added services (Money Service Business and Payment Enhancement Business) to merchants using the payment processing services, all of which contribute to expand the merchant's revenue. This establishes a feedback loop of increasing transactions at the merchant which complements the Company's core business.