freee and GMO Payment Gateway Launch New Service to Improve Cash Flow with invoice Card Payments

freee K.K. (CEO: Daisuke Sasaki hereinafter referred to as "freee") and GMO Internet Group's GMO Payment Gateway, Inc. (President & Chief Executive Officer: Issei Ainoura hereinafter referred to as "GMO-PG") launched the "freee invoice card payment" on Friday, January 30, 2026.
"freee invoice card payment" is a service based on the "Invoice Card Pay byGMO" provided by GMO-PG. By using this service, businesses that have installed freee services can secure up to 60 days ^(*1) until the debit date by using credit cards for invoice payment, allowing them to control cash flow more flexibly while meeting payment deadlines ^(*2).​

• *1 Varies depending on the date of application for card payment and the date of withdrawal of the card used.
• (*2) There is a screening prescribed by GMO-PG for use. It may not be available depending on the results of the review.

【Background and Summary】

Bank transfer is the highest percentage of payment expenses and purchasing payment option in business-to-business transactions ^(*3), and many businesses have established business flows based on the premise of transfers. On the other hand, the complexity of fund preparation and payment operations associated with invoice payment is often a daily operational burden for small businesses.
In addition, paper bills and checks are scheduled to be eliminated by the end of March 2027 ^(*4), and the environment surrounding business-to-business payment requires a shift to a more digital and efficient payment option. Against this backdrop, it's becoming increasingly important for businesses to have new options in invoice payment in addition to traditional Bank transfer.
As a SaaS-based cloud service from Japan, freee has been updating the business experience of operators through collaboration with partner companies in various industries. With the aim of realizing an integrated management platform that allows anyone to manage freely, we are developing products that are highly compatible with business services to support business operations and decision-making, not only improving the efficiency of back-office operations.
On the other hand, GMO-PG is one of the largest PSPs (payment processing company companies) in Japan with an annual Transaction value of more than 21 trillion yen ^(*5), and is developing a variety of FinTech solutions starting from payment. These solutions are used as a foundation for partner products and businesses, helping to expand capabilities and revenue opportunities.
By combining the strengths of these two companies, we have collaborated to support small businesses from multiple angles and have launched the "freee invoice card payment" offer. This service is based on the "Invoice Card Pay byGMO" provided by GMO-PG and expands the options for cashless payment in business-to-business transactions for businesses using freee.

• (*3) Ministry of Economy, Trade and Industry "FY Reiwa 4 Business Related to the Optimization of the Commercial Transactions and Service Environment (Survey Project for the Promotion of Credit card payment Data Circulation in Corporate Accounting Business Led by the Private Sector)" (https://www.meti.go.jp/meti_lib/report/2022FY/000294.pdf)
• *4 Japan Bankers Association "To abolish the use of paper bills and checks" (https://www.zenginkyo.or.jp/tegata-kogitte-haishi/)
• *5 Consolidated figures as of the end of September 2025

[About "freee invoice card payment"]

"Freee invoice Card Payment" is a service that allows you to switch the payment option of the invoice you receive from the Bank transfer to the payment with the credit card held by the business that received the invoice.
After Credit card payment, the billing amount will be credited to the biller's bank account in the name specified by the business that received the invoice on the same day at the earliest, so the credit card will not be known to the billing source.
This allows businesses to secure up to 60 days ^(*1) until the withdrawal date, allowing them to flexibly use their cash on hand while meeting the payment deadline and connect to cash flow improvement ^(*2).​
In addition, this service is provided as a support lineup that can be used in conjunction with other freee services, making daily payment operations smoother and contributing to the efficiency of business operations.
Supported international brands are Visa and Mastercard, and other brands will be added in the future.

[ About freee K.K.

freee realizes an integrated management platform that anyone can freely manage under the mission of "making small businesses the world's leading players." As a Japan SaaS-based cloud service, we will build an open platform by collaborating with partners and financial institution to continue to provide "real value".