GMO Payment Gateway, Works with LayerX.
Provide card payment processing capabilities for "Bakuraku Invoice Issuance"
~Supporting the efficiency of billing and payment operations and improving cash flow through payment field-to-business collaboration~

GMO Internet Group's GMO Payment Gateway, Inc. (President & Chief Executive Officer: Issei Ainoura, hereinafter referred to as GMO-PG) provides card payment processing functions for the AI invoice sending system "Bakuraku Invoice Issuance" provided by LayerX Inc. (Representative Director & CEO: Yoshinori Fukushima, hereinafter referred to as "LayerX"). Bakuraku Invoice Issuance to help provide a Card payment option that enables invoice credit card payments. This option will be available from Wednesday, April 1, 2026.
Through this partnership, LayerX will expand its payment means on its platform and add value to its billing and payment capabilities. As a result, companies using Bakuraku Invoice Issuance can streamline billing and payment operations, reduce debt collection risks, and use card payment to flexibly manage their funds.
GMO-PG will continue to support the improvement of payment flexibility in business-to-business transactions through various initiatives, including the provision of various payment services to platform operators.

【Background and Summary】

In recent years, the business environment surrounding companies has become increasingly severe due to external factors such as the depreciation of the yen and high prices, as well as rising interest rates and structural labor shortages. In this environment, it is necessary to shift to management that increases added value and labor productivity through active capital investment and digitalization, rather than just reducing traditional costs.^（※1）
Against the backdrop of these changes in the business environment, LayerX, as an AI company with the mission of "digitizing all economic activities," supports companies to improve the efficiency of their back-office operations through the "Bakuraku" AI cloud for the back office, among other things. Bakuraku Invoice Issuance provides a form issuance system that allows you to create, send, and store various forms such as invoice, and in addition to improving operational efficiency, we are simultaneously implementing paperless and legal compliance.
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 22 trillion yen ^(*2), and is developing a variety of FinTech solutions starting from payment. In business-to-business payment field, in addition to comprehensive online payment services "PG Multi-Payment Service" and "Invoice Card Pay byGMO", we have provided "GMO B2B AR Guarantee" and "GMO B2B Early Payment" as our own services, and have been able to provide payment method and payment in business-to-business transactions. We have supported the expansion of means and the stabilization of cash flow. In addition, we use the payment know-how cultivated through these initiatives to provide various payment services to the products and businesses of our partner companies to help them expand their functions and create revenue opportunities.
GMO-PG will provide card payment processing capabilities to the "Bakuraku Invoice Issuance" provided by LayerX to support the provision of "Card payment option". Through this collaboration, LayerX will be able to pay invoice cards in "Bakuraku Invoice Issuance", and as a platform, payment We will expand the means.

• (*1) SME Agency "Outline of the 2025 SME White Paper"
  URL：https://www.chusho.meti.go.jp/pamflet/hakusyo/2025/chusho/gaiyo.html
• *2 Consolidated figures as of the end of December 2025

[About "Card payment option"]

This option is a function that allows you to flexibly set the acceptance or absence of credit card payment for each invoice issued on the "Bakuraku Invoice Issuance". Businesses can start issuing "invoice with card payment" as soon as the same day ^(*3) without spending man-hours on system development.
By leveraging Credit card payment, sellers can expand their invoice payment avenues, streamline debt collection operations, and reduce the risk of non-collection.
On the other hand, buyer companies can use the time period until the card company's debit date to provide flexibility in using cash on hand while meeting payment deadlines, which can help improve cash flow.

• *3) LayerX Depends on the prescribed screening and procedural status.

[About "Bakuraku Invoice Issuance"]

"Bakuraku Invoice Issuance" is a form issuance system that can create, send, and store all kinds of forms, including invoice. the invoice system and the Electronic Book Preservation Act, and can achieve operational efficiency, paperlessness, and legal compliance at the same time.

[ About LayerX Inc.

LayerX is an AI company with the mission of "digitizing all economic activities." Through complex businesses such as the back-office AI cloud "Bakraku" business, the Fintech business, and the enterprise AI platform "Ai Workforce" business, we will solve Japan's social issues and create a future where people's creativity can be more demonstrated through the power of AI.