Business OverviewBusiness Overview

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

オンライン化・キャッシュレス化・DXなどを支援する決済を起点としたサービスを提供しています。年間決済処理金額は20兆円を超えており、オンライン総合決済サービスはEC事業者やNHK・国税庁等の公的機関など15万店舗以上の加盟店に導入されています。（2025年3月末現在、連結数値）
決済業界のリーディングカンパニーとして、オンライン総合決済サービス、対面領域での決済サービス、後払い・BNPL（Buy Now Pay Later）、金融機関・事業会社へのBaaS支援、海外の先端FinTech企業への戦略的投融資など、決済・金融技術で社会イノベーションを牽引し、持続可能な社会の実現と社会の進歩発展に貢献してまいります。

Business Segments

（2024年9月期時点）

* 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 ¥20 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-March 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 FY2024)

* 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.