GMO Payment Gateway Implements Visa's "Click to Pay" on payment platform
~Utilizing Network Tokens to Promote Design Sophistication to Support Approval Rate Optimization in the AI Era~

Visa Worldwide Japan Co., Ltd. (President & Chief Executive Officer: Cietan Kitney, hereinafter referred to as "Visa") and GMO Internet Group's GMO Payment Gateway, Inc. (President & Chief Executive Officer: Issei Ainoura, hereinafter referred to as "GMO-PG") announced that in the GMO-PG Online Payment Service" PG Multi-Payment Service", Visa's "Click to Pay" (English name: Click to Pay" ^(*1) will be available on Monday, February 16, 2026.
This initiative will realize the connection with payment flows using network tokens ^(*2) through the implementation of "Click to Pay", and will lead to the creation of an environment that contributes to the optimization of approval rates.
As the e-commerce market continues to expand, and the purchasing process is becoming more automated and sophisticated due to the use of AI and advances in agency commerce, the payment foundation requires stable approval processing and scalability. Visa and GMO-PG will jointly promote the advancement of both payment networks and infrastructure in the Japanese market based on the "Click to Pay" based on international standards.

• *1 Visa "Click to Pay Online payment Quickly and Easily"
  URL：https://www.visa.co.jp/products/click-to-pay/consumers.html
• A network token is a technology that replaces confidential information of cardholders, such as their personal card number and expiration date, with a unique digital identifier (token), and can be processed payment without directly linking the card number to the merchant.

【Background and Summary】

According to Ministry of Economy, Trade and Industry 's "Market Survey Results on E-commerce in FY6", the size of the BtoC e-commerce market in Japan in 2024 will be 26.1 trillion yen, expanding from the previous year. EC ratio has risen to 9.8%, and online transactions continue to expand ^(*3).​
As the market expands, there is a need for both convenience and safety at payment, as well as stability in approval rates and optimization of the entire payment process. Input load and the complexity of the authentication process can be a factor in abandonment, and a decline in approval rates can directly lead to lost sales opportunities. The payment structure utilizing network tokens is becoming increasingly important as a foundation that not only improves stability but also contributes to stabilizing approval processes by ensuring transaction data consistency.
Visa's "Click to Pay" is part of the function of the Visa Acceptance Platform and is an EMVCo ^(*4) This is an online payment system based on the international standard specification "Secure Remote Commerce" formulated by the Secure Remote Commerce. Eliminate the need to re-enter your card number, expiration date, etc., and select your pre-registered card information to complete the payment for a seamless checkout.

• (*3) Ministry of Economy, Trade and Industry "We have compiled the results of a market survey on e-commerce in FY6" (published on August 26, 2025)
  URL：https://www.meti.go.jp/press/2025/08/20250826005/20250826005.html
• *4 An organization jointly operated by international card brands to promote technical specifications and standardization related to payment

[Regarding the implementation of Visa in "PG Multi-Payment Service "Click to Pay]

This function is provided as an option for Credit card payment ^(*5), and the optional fee is free of charge ^(*6). At this time, the "Link Type Plus" connection method is supported, and other methods are planned to be supported in the future.
The implementation of "Click to Pay" will reduce the burden of consumers' card information input and reduce purchase abandonment, not only on e-commerce sites they have used in the past, but also on e-commerce sites that have been used for the first time. In addition, the authentication flow based on standard specifications is used to stabilize the approval process.
As a PSP (payment processing company company) that connects to multiple acquirers, GMO-PG is designed to optimize authorization control, token management, and fraud detection across the board, regardless of a specific connection type. The transaction data structure, based on network tokens, has a high affinity with AI-powered fraud detection and authorization control logic, and is a design foundation that can be adapted to future automated trading environments. As a PSP that is responsible for the payment foundation with an annual processing volume of more than 22 trillion yen ^(*7), we are promoting the optimization of approval rates in the Japanese market in collaboration with Visa by utilizing the accumulated data and the knowledge we have cultivated. Stable approval rates are an important factor that is directly linked to maximizing sales opportunities for businesses.
Visa and GMO-PG will continue to help businesses maximize their sales opportunities by improving the payment experience and optimizing approval rates.

• *5 Debit cards and prepaid cards are also accepted.
• (*6) Credit card payment Fees will be charged as usual.
• *7 Consolidated figures as of the end of December 2025

【PG Multi-Payment Service】

Online Payment Service supports more than 30 different payment method, including Credit card payment, CVS Payment, and QR code payment. Depending on the business type and growth phase of the business, we provide a flexible payment foundation.
In addition, in addition to adopting a development method that is easy to design and implement based on OpenAPI specifications, it is equipped with high security and fraud detection functions to support online payment in a wide range of fields such as e-commerce, digital services, and BtoB transactions. At the same time, we are continuously developing documentation and reference environments to help developers get to the exact information they need.

[About Visa]

As a global leader in electronic payment, Visa connects consumers, businesses, financial institution and government agencies with payment transactions in more than 200 countries and territories. Visa's mission is to connect the world with the most innovative, convenient, reliable and secure payment networks that help individuals, businesses and economies thrive. We believe that an inclusive economy for everyone in the world will improve the lives of people around the world, and that access to the economy will lead to the future of payment. For more information, visit the Visa.com or www.visa.co.jp Japanese.