The Scope of Our Value Proposition

payment By creating innovation,
Contribute to the growth of our customers and the progress and development of society.

We are on a mission to create payment innovation for the realization of a sustainable society. We work with customers who innovate on a variety of social issues to create and provide a variety of products that digitize the flow of money.

Contribute to the advancement and progress of society and to the customer's growth by creating payment innovations.

We are entrusted with the mission to create payment innovations to realize a sustainable society; to create and provide a range of products to digitalize money flows and to accompany the customer's journey in resolving social issues.

Through a business company,
Service offerings that promote the digitalization of money flows and cashless adoption at business operators.

GMO Payment After Delivery GMO Payment After Delivery
atokara atokara
SOKKYU byGMO Instant Salary byGMO
GMO-PG Remittance Service GMO-PG Remittance service
GMO Pay On Credit
enpay byGMO

To the operating company,
Provide payment-centered services to support the online and cashless migration as well as FinTech adoption payment

PG Multi-Payment Service PG Multi-Payment service
Face-to-face (manned and unmanned) payment Card Present (manned and unmanned) payment
Epsilon byGMO
fincode byGMO
GMO Cashless Platform
Invoice Card Pay byGMO Invoice Card Pay byGMO

To the operating company,
Support the needs for growth funds and cashflows through lending, investments and equity stakes into business operators

GMO-PG Transaction Lending GMO-PG Transaction Lending
GMO B2B Early Payment GMO B2B Early Pay (factoring)
GMO B2B AR Guarantee GMO B2B AR Guarantee
Equity investment
Other investment

financial institution ・To operating companies:
Support BaaS and Embedded Finance activities of financial institutions and business operators

GMO-PG Processing Platform GMO-PG Processing Platform
Cycle byGMO Cycle byGMO
Ginko Pay Base System Ginko Pay Base System

Main GMO-PG consolidated companies

GMO Epsilon, Inc.

In order to drive the digitalization of the SME domain, we provide online payment services and FinTech services to support growth funds and cash flow for startups and e-commerce businesses.

NEWS " fincode byGMO" deposit management service "TREE PAYMENT－nyuukin totsugou zero VAce －" is in full operation

See the list

GMO Payment Service, Inc.

We provide buy now pay later payment and BNPL services for BtoC e-commerce businesses and de-payment services for BtoB businesses.

NEWS [GMO-PS] Up to 75% subsidy enables the introduction of "GMO B2B Pay on Credit "

See the list

GMO Financial Gate, Inc.

In addition to providing multi-payment terminals for physical stores, we are developing services that realize contactless (touch payment) and unmanned (IoT payment) in addition to promoting cashless payments in the face-to-face area.

NEWS GMO-FG GMO Financial Gate Certified as a "Outstanding Organizations of KENKO Investment for Health 2026 (Large Corporation Category)"

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GMO Reserve Plus Co.,Ltd.

We provide a reservation management system that supports the DX of operations such as reservation reception, mainly for medical institutions.

NEWS GMO Reserve Plus was selected as a clinic zone in TAKAWA GATEWAY CITY developed by JR East

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GMO Enpay, Inc.

NEWS [GMO Enpay] GMO Enpay" Rakuraku AI Invoice Import" added to "enpay by GMO"

See the list

GMO-Z.COM PAYMENT GATEWAY PTE. LTD.

GMO-Z.com PAYMENT GATEWAY USA, Inc.

We invest in and finance promising FinTech startups in the U.S. and Asia to help create innovations that will change the world.

Major consolidated subsidiaries of GMO-PG

GMO Epsilon, Inc.

As a company driving the digitalization of the SME domain, GMO Epsilon provides online payment services and FinTech services such as funding for growth and cashflow support to EC operators and startups in the SME domain.

https://www.epsilon.jp/

GMO Payment Services, Inc.

Provides Payment After Delivery payment and BNPL services to B2C EC operators as well as B2B pay-on-credit service to B2B operators.

https://www.gmo-ps.com/

GMO Financial Gate, Inc.

As a company driving the cashless penetration in the Card Present domain, GMO Financial Gate provides multi-payment terminals to physical stores as well as services to enable contactless NFC payments　（Tap to Pay） and unmanned operations (IoT payment).

https://gmo-fg.com/en/

GMO Reserve Plus Co.,Ltd.

Provides reservation management systems to support the digital transformation (DX) of operations such as reception and reservations primarily to medical institutions.

https://gmo-reserve.plus/