Further Advances the Convenience of Business-to-Business payment "M's PayBridge" Service Level Upgraded
~Billing and payment smarter. Support for operational efficiency and cash flow~

Mizuho Bank, Ltd. (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 announced the establishment of the company-to-business payment platform "M's PayBridge" ^(*1)(*2). We have implemented enhancements that significantly improve the service level. This makes the payment and business processes in business-to-business transactions more seamless, providing new value and convenience for both billing and paying companies.
"M's PayBridge" is a platform that allows you to centrally manage billing, fund collection, and payment operations by utilizing GMO Epsilon's online infrastructure of payments" fincode byGMO". By improving the service level through the development of "fincode byGMO", we will meet the diversifying payment needs of customers and the needs of operational efficiency. We have prepared the specifications to be more flexible and accurate.

１．「 M's PayBridge Service Level Upgrade (Overview and Image)

In addition to adding new functions on the "payer" side, "billing side" has added "business cards" and "Account transfer" to existing services, and the "billing management function" has been upgraded.

2. Specific details of service level improvement

• (1) For billing companies (companies that collect sales)
  • (1) Addition of business card (sales-linked type) function
    When a need for funds arises, you can apply for the use of a business card (virtual card) based on the sales amount you plan to deposit on "M's PayBridge", and the usage quota based on the sales amount at that time is set each time and can be allocated to payment. This allows you to raise the necessary funds even before the sales are deposited, which helps improve the company's cash flow.
  • (2) Account transfer Added functions
    This function allows you to automatically debit from your business partner account (other bank accounts are also supported) on the due date based on billing data. This automates the payment of recurring transactions and prevents payment misses by business partners and manual reconciliation errors on the part of the billing company. By automating and saving labor in collection operations, the work burden is also greatly reduced.
  • (3) Expansion of billing management functions
    This feature centralizes billing and payment data and provides real-time visualization of history and status. This eliminates payment status checks and management errors, contributing to operational efficiency and preventing information from being missed.

  

• (2) For paying companies (business partners)
  • (1) invoice Addition of card payment function
    TransferThis is a function that allows you to payment the specified invoice in Credit card payment. This not only reduces the hassle of transfer procedures, but also allows for payment grace periods, contributing to improved cash flow.
  • (2) Addition of payment management function
    This feature allows you to register billing information and query the status of the payment in real time. This increases the transparency and efficiency of payment operations. By simplifying procedures and expanding the freedom of fund management, it will evolve into a platform that will become a new standard for business-to-business transactions.

  

This enhancement is a planned update based on the M's PayBridge roadmap established in April 2025 and is a significant milestone in advancing the speed and stability required for business-to-business payment.
Going forward, Mizuho Bank and GMO Epsilon will continue to expand the functions of M's PayBridge with the aim of further improving the convenience and operational efficiency of business-to-business transactions, as well as responding to the needs of diversifying companies, supporting the growth of customers, and striving for the sustainable development of society as a whole.

• *1 News release on 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 News release on April 24, 2025
  "Launch of the Company-to-Business payment Platform 'M's PayBridge'"
  https://www.epsilon.jp/news/20250424.html

【About GMO Epsilon, Inc.】

We provide startups, tech companies, and SME businesses with online payment services fincode byGMO and Epsilon by GMO to help them grow their businesses.
" fincode byGMO" is an online infrastructure of payments designed for startups. In addition to E-commerce, it supports various business models such as platform and subscription types, and can be implemented in a short period of time. In June 2025, it became the first domestic PSP to support "MCP (Model Context Protocol)" and continue to evolve, such as enabling collaboration with AI agents. Epsilon by GMO is a payment processing services that allows you to deploy a variety of payment method at once, with no initial costs or transaction processing fees ^(*3). It eliminates the hassle of individual contract and helps e-commerce businesses expand their sales opportunities.
We also support the cash flow improvement and growth of businesses through finance-related services such as "Cycle by GMO" and lending and Remittance Service related services linked to sales.
As a consolidated company of GMO Payment Gateway, a TSE prime-listed GMO payment gateway, GMO Epsilon provides a safe environment with Privacy Mark certification and PCI DSS and ISMS compliant security standards.

• *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.