Commencement of Business-to-Business payment Platform "M's PayBridge"
~Seamless integration of business processes and payment ~

Mizuho Bank, Ltd. (President: Masahiko Kato, hereinafter referred to as "Mizuho Bank") and GMO Epsilon, Inc. (President & Chief Executive Officer: Tomoyuki Murakami, hereinafter referred to as "GMO Epsilon") have launched a new business-to-business payment platform, M's PayBridge.
"M's PayBridge" is a platform built using the online infrastructure of payments" fincode byGMO" provided by GMO Epsilon and has the management functions necessary for billing and fund collection between the billing company and the business partner (the company that makes the payment) in business-to-business payment transactions, as well as the function of linking with external services to improve operational efficiency.

1. Background

Mizuho Bank has been working to solve the problems and support the growth of corporate customers. On the other hand, there are cases where services related to business-to-business transactions, such as payment, are not connected to other business processes, and the use of different services and the transfer of data have become new business issues. In addition, GMO Epsilon was considering new ways to solve and support growth by confronting the environment surrounding customers and the issues they were facing while providing "fincode byGMO" to businesses.
For this reason, based on the business alliance contract ^(*1) entered into in October 2024, the two companies will combine Mizuho Bank 's knowledge, services, and customer base in the finance domain, GMO Epsilon's knowledge and know-how in payment processing company operations, and the online infrastructure of payments that has already been provided to GMO Epsilon merchants. fincode byGMO We decided to build and provide M's PayBridge, a business-to-business payment platform that seamlessly connects various operational efficiency services and payment services.

２．「 Contents of "M's PayBridge"

• (1) Features for billing companies (companies that collect sales)
  • (1) Billing is possible in combination with various payment method
    In addition to Bank transfer, billing companies can select the most suitable payment method according to their needs from payment by Credit card payment and Bank transfer (Virtual Account), and automatically link data to invoice. In addition, the business partner (the company that makes the payment) can choose the method that is most suitable for them from the payment method offered. It also provides a invoice publishing function.
  • (2) Automatic clearing of billing data and payment data
    invoice By using the management function that allows you to centrally check the billing data used for issuance and the payment data from business partners, it is possible to automatically clear the billing data and payment data.
  • (3) Quick Start
    Since it can be connected to various payment method with a single interface, it can be introduced in a short period of time with little development man-hours.
• (2) Functions and services planned to be expanded in the future
  • (1) Cooperation with business efficiency services
    "M's PayBridge" is not limited to a specific service, but will provide a wide range of highly convenient payment services by openly linking with various business efficiency services. As the first step in the service collaboration, Mizuho Bank has agreed to mutually collaborate with freee K.K. (CEO: Daisuke Sasaki, hereinafter referred to as "freee"), which has approximately 560,000 ^(*2) offices as users, by the fall of 2025. As a result, it will be possible to select not only Bank transfer but also Credit card payment, Account transfer, etc. when issuing invoice on services such as "freee invoice" provided by freee.
  • (2) Provision of payment services for business partners (companies that conduct payment)
    By September 2025, we plan to release a service that addresses operational efficiency and cash flow improvement associated with payment.

Based on the release of M's PayBridge, Mizuho Bank and GMO Epsilon will leverage their knowledge and know-how to solve problems in business-to-business payment transactions and streamline business processes. In the future, we will further evolve "M's PayBridge" to support the growth of our customers and contribute to the sustainable development of society as a whole. In this way, we will create new value and level up to become an indispensable platform for many companies.

• *1 News release dated December 6, 2024 "Business Alliance contract for the Construction and Provision of a Business-to-Business payment Platform"
  https://www.epsilon.jp/news/20241206.html
• *2 As of the end of December 2024

【About GMO Epsilon, Inc.】

GMO Epsilon offers two payment processing services, "Epsilon by GMO" and "fincode byGMO," which are used by more than 40,000 e-commerce businesses as of the end of December 2024, and are available for initial costs and transaction processing fees ^(*3). It's free to use. fincode byGMO is an online payment service for startups designed to meet a variety of business needs. It enables rapid deployment of payment systems and is ideal for E-commerce, as well as platform and subscription business models.
In addition, in order to support the smooth cash flow of e-commerce businesses, we also provide finance-related services such as the sales-linked business card "Cycle by GMO" and lending and Remittance Service.
TSE As a consolidated company of GMO Payment Gateway, a prime listed company, we provide an environment where you can use it with peace of mind with PrivacyMark certification and security standards that comply with PCI DSS and ISMS.

• *3 Transaction processing fee is a fee charged for each communication with a credit card company for credit card authorization (acquisition of an authorization number) and billing.