"enpay by GMO" to realize cashless and DX in the childcare and education industry, bank account payment added
~More than 100 financial institution accounts such as megabanks and regional banks are available~

GMO Enpay, Inc. (President & Chief Executive Officer: Junichi Moriwaki, hereinafter referred to as "GMO Enpay"), a consolidated company of GMO Payment Gateway, Inc. in the GMO Internet Group, announced that from April 7, 2025 (Monday), the Fintech ×SaaS platform "enpay by GMO" enpay will realize cashless and DX in collection operations. As a new payment method ^(*1), we have added a "bank account payment" that allows you to make payment by debiting from your financial institution account.
As a result, operators of childcare and educational facilities such as nursery schools, children's centers, kindergartens, and after-school facilities will be able to use direct debits of more than 100 financial institution ^(*2), including megabanks and regional banks such as The Bank of Yokohama and other regional banks, without having to connect to each financial institution individually contract system payment It is now possible to provide.

• *1 Supported payment method are carrier payment (PayPay, auPay, d Payment), Credit card payment, CVS Payment, bank account payment. (As of April 8, 2025)
• *2 As of April 8, 2025

【Background and Summary】

Of the financial institution, 85.9% of Japan bank account ownership ratio are currently 85.9% ^(*3), and 87% have a credit card, which is one of the major cashless payment method ^(*4) It is almost at the same level. Account transfer, a common payment option through financial institution accounts, is a significant burden to implement, as operators may need to connect to each financial institution individually and contract system. In addition, customers are often required to submit paper applications, which is a complicated process for both businesses and customers.
Until now, "enpay by GMO" has been aiming for DX in the collection of money in the childcare and education industries, incorporating the needs of the digital age, such as chat apps, and adding payment method, which has a high affinity with the lifestyles of parents.
Against this backdrop, GMO Enpay has added a new payment method to enpay by GMO, a bank account payment that allows payment to be debited from a financial institution account payment method CVS Payment. Bank account payment" can also be deployed in bulk.
By utilizing the Online Payment Service" PG Multi-Payment Service" mechanism provided by GMO Payment Gateway, Inc., the "Bank Account payment" enables childcare and educational facility operators to provide payment by direct debit to more than 100 financial institution ^(*2), including megabanks and regional banks such as The Bank of Yokohama, without having to connect to each financial institution individually contract system.
"Bank Account payment" is characterized by the fact that parents who do not have a credit card or do not use it often can easily complete the payment procedure online. There is no need to install or register a dedicated app, and payment can be used directly on the browser transitioned from the chat app. By verifying the identity and registering a financial institution account in advance, when the parent receives the billing information from the chat app, simply select "Bank account payment" and the collection fee will be deducted directly and immediately from the designated financial institution account.

• *3 Released in October 2024 Japanese Bankers Association "Questionnaire for Creating Better Banks (Report)"
  URL：https://www.zenginkyo.or.jp/fileadmin/res/news/news361051.pdf
• (*4) JCB Co., Ltd. "[Comprehensive Survey on Cashless] 2024 Edition Survey Results Report"
  URL：https://www.global.jcb/ja/press/news_file/file/250310.pdf

"enpay by GMO" is a collection support service that can make all collections in the childcare and education industries cashless and paperless, and make the collection process overwhelmingly simple.
By introducing "enpay by GMO", it is possible to reduce the amount of cash handled at the facility to zero, and it is possible to complete the process from issuing invoice to creating accounting data in 30 minutes completely paperless.
Going forward, we will continue to promote DX in the collection of funds in the childcare and education industries, etc., with the aim of creating more time for teachers and childcare workers to devote more time to childcare and education, and opening up opportunities for children.

[ About GMO Enpay, Inc.]

Based on the mission of "Gentle FinTech," GMO Enpay provides a FinTech ×SaaS platform that realizes cashless and DX in collection operations specialized for the childcare and education industries.
In the childcare and education industry, cash collection has traditionally been the mainstream, and there are still many cash exchanges because there are few operations that use computers. Before and after the collection, the facility has to do a wide range of administrative work, such as disseminating the amount, issuing receipts, and reminding parents who have not paid, and the parents also have to prepare cash. In response to these issues, GMO Enpay provides a one-stop solution that incorporates the needs of the digital age, such as chat apps, from billing to payment and payment clearing management.
The business models of our main services, "enpay by GMO" and "koufuri+ by GMO," have been granted multiple patents. In addition, we develop and provide user screens with excellent UI/UX that reduce the physical and psychological burden on both facilities and parents.
Since its founding in November 2018, the company has continued to grow, with more than 2,400 facilities nationwide (* ^5), mainly nursery schools, children's centers, kindergartens, and after-school facilities, and many municipalities have introduced the system.

• *5 As of February 20, 2025