GMO Payment After Delivery
" invoice Smartphone payment" allows you to purchase products and pay payment at home
~Directly payment from 40 financial institution accounts, including megabanks and Japan Post Bank~

21 Jul 2020

GMO Payment Service, Inc.

GMO Payment Service, Inc. (President & Chief Executive Officer: Katsunari Mukai hereinafter referred to as "GMO-PS"), a consolidated company of GMO Payment Gateway, Inc. (hereinafter referred to as "GMO-PG") in the GMO Internet Group, reads the barcode on the invoice with a smartphone in the "payment slip (invoice) method", which is one of the billing methods of Payment After Delivery service "GMO Payment After Delivery". payment method will be developed as "invoice Smartphone payment" ^(*1).
From today, July 21, 2020 (Tuesday), GMO-PS will support "invoice Smartphone payment" smartphone-based payment Fukuoka Financial Group's The Bank of Fukuoka, The Kumamoto Bank, Ltd., and Shinwa Bank, Ltd. Pay" and "Koi Pay" provided by The Bank of Hiroshima, Ltd. have been newly added. As a result, the following five types of smartphone-based payment services are supported. By using the supported smartphone-based payment service, buyers can read the barcode of their invoice with their smartphone, payment the price, and can do everything from purchase to payment at home.

■ smartphone-based payment services that are compatible with "invoice Smartphone payment"

smartphone-based payment Service Name	Provider
LINE Pay	LINE Pay Co., Ltd.
Yucho Pay	Japan Post Bank, Inc.
PayB	Billing System Inc.
YOKA! Pay NEW!	The Bank of Fukuoka ・ The Kumamoto Bank, Ltd. ・ Shinwa Bank Co., Ltd.
Koi Pay NEW!	The Bank of Hiroshima, Ltd.

(*1) This is made possible by Densan System Co.,Ltd. 's convenience store storage agency service option.

Deploy "invoice Smartphone payment" as a payment method for invoice

【Background and Summary】

In recent years, the domestic buy now pay later payment market has continued to expand steadily, increasing by 30% year-on-year to 572 billion yen in fiscal 2018 and is expected to reach 2 trillion yen in 2023 ^(*2)。 Behind the market expansion are the advantages of buy now pay later payment for purchasers (consumers), such as "customers who do not have a credit card can use it," "payment can be used after checking the product," and "unlike cash on delivery payment, there is no need to be at home when receiving the product."
In these buy now pay later payment markets, GMO-PS provides a Payment After Delivery service "GMO Payment After Delivery" that allows customers who use e-commerce sites to pay for products at convenience stores, banks, post offices, etc. after receiving the product or using the service. GMO Payment After Delivery" has been payment By giving customers more options in how and where they can pay, we've made it easier for customers to payment.
This time, we are invoice developing a payment method of reading the barcode on the invoice with a smartphone in the "invoice payment slip () method", which is one of the billing methods of "GMO Payment After Delivery", as "invoice Smartphone payment payment". You don't have to go to a convenience store or post office, and you can payment anywhere and at any time you like. In addition to the already compatible "LINE Pay", "Yucho Pay", and "PayB", "invoice Smartphone payment" will be available from today "YOKA! Since it can be used with five types of smartphone-based payment services, including "Pay" and "Koi Pay", it is also possible to payment directly from 40 financial institution accounts, including megabanks and Japan Post Bank.
In addition, you can also use all smartphone-based payment services that are compatible with "invoice Smartphone payment" on "Tsukebarai" of the fashion online shopping site "ZOZOTOWN" that has introduced "GMO Payment After Delivery".

*2 From Yano Research Institute, Inc., "2020 Online payment Service Provider Status and Future Forecast"

【GMO Payment After Delivery】

"GMO Payment After Delivery" is a Payment After Delivery service provided by GMO-PS for e-commerce businesses. Regardless of the buyer's payment situation, GMO-PS performs all operations such as credit management, invoice issuance, and payment management, in addition to making advance payments, so EC businesses can present convenient buy now pay later payment to buyers without the hassle of complicated work related to payment and the risk of non-collection. As a result, it is expected to capture a user base that has not made a purchase because they are not comfortable using a credit card or want to payment after actually seeing the product or using the service.

■ Features of "GMO Payment After Delivery"

1. Real-time credit	Since credit confirmation is performed in real time without making the purchaser wait, smooth payment prevents the purchaser from leaving.
2. Selectable billing method	There are three types of billing methods for buyers: You can choose the most suitable billing method according to your purpose, such as supported payment methods, cost reduction, and use of your own e-commerce app. In addition, we also offer a "invoice bundling service" that bundles invoice with products, and we can respond to various requests from EC businesses. <Payment slip (invoice) method> 1) Sealed letter type ・ Convenience stores, banks, post offices, invoice Compatible with payment by smartphone payment ・Ideal for those who want to guide you to many payment points of contact 2) Crimp postcard type ・ Compatible with convenience stores, banks, and payment by "invoice smartphone payment " ・Ideal for those who value cost reduction <Electronic barcode method> 3) Smartphone app type ・ Compatible with payment at convenience stores ・ Ideal if you want to use your own app
3. Industry's lowest rate	payment fees, fixed costs, invoice issuance costs, transfer fees, etc. are all at the lowest level in the industry ^(*3). Please refer to the following URL for the details of the charges. https://www.gmo-ps.com/service/price/

1. Real-time credit

Since credit confirmation is performed in real time without making the purchaser wait, smooth payment prevents the purchaser from leaving.

2. Selectable billing method

There are three types of billing methods for buyers: You can choose the most suitable billing method according to your purpose, such as supported payment methods, cost reduction, and use of your own e-commerce app.
In addition, we also offer a "invoice bundling service" that bundles invoice with products, and we can respond to various requests from EC businesses.

1) Sealed letter type
- ・ Convenience stores, banks, post offices, invoice Compatible with payment by smartphone payment
  ・Ideal for those who want to guide you to many payment points of contact
2) Crimp postcard type
- ・ Compatible with convenience stores, banks, and payment by "invoice smartphone payment "
  ・Ideal for those who value cost reduction

3) Smartphone app type
- ・ Compatible with payment at convenience stores
  ・ Ideal if you want to use your own app

3. Industry's lowest rate

payment fees, fixed costs, invoice issuance costs, transfer fees, etc. are all at the lowest level in the industry ^(*3). Please refer to the following URL for the details of the charges.
https://www.gmo-ps.com/service/price/

*3 According to GMO-PS research (as of July 21, 2020).

【GMO Payment Service, Inc.】

GMO-PS was established in 2013 as a buy now pay later payment processing business company for GMO-PG, which provides comprehensive payment-related services and finance-related services. As a buy now pay later payment provider that can provide Credit card payment to buy now pay later payment collectively, we provide Payment After Delivery service "GMO Payment After Delivery" with no risk of non-collection to major e-commerce businesses such as product sales and services.
In the future, we will strive to develop and provide services that can be used more conveniently by e-commerce businesses and purchasers, aiming to contribute to society and people through Internet and payment services, not just "GMO Payment After Delivery".

【Related Links】

Yucho Pay: URL : https://www.jp-bank.japanpost.jp/kojin/sokin/yuchopay/kj_sk_yp_index.html
PayB: URL : https://payb.jp/
YOKA! Pay (Fukuoka Bank): URL : https://www.fukuokabank.co.jp/personal/service/yokapay/
KoiPay: URL : https://www.hirogin.co.jp/service/use/coi-pay/
GMO-PS: URL : https://www.gmo-ps.com/

[Press Inquiries]

GMO Payment Gateway, Inc.
Corporate Value Creation Strategy Division Public Relations/UX Design Department

TEL: +81-3-3464-0182
E-mail: pr@gmo-pg.com

GMO Internet, Inc.
Group Communication Department Public Relations Ishii

TEL: +81-3-5456-2695
E-mail: pr@gmo.jp

[Contact for inquiries regarding services]

GMO Payment Service, Inc.

TEL: 03-3464-2392
FAX: 050-3737-5179
E-mail: g-marketing@gmo-ps.com

[GMO Payment Service, Inc.] (URL: https://www.gmo-ps.com/)

Corporate Name	GMO Payment Service, Inc.
Location	1-14-6 Dogenzaka, Shibuya-ku, Tokyo Humax Shibuya Building
Representative	President & Chief Executive Officer Katsunari Mukai
Business Description	■ Provision of payment processing services and EC-related services
Capital	150 million yen

[GMO Payment Gateway, Inc.] (URL: https://www.gmo-pg.com/)

Corporate Name	GMO Payment Gateway, Inc. (TSE First Section Securities Code: 3769)
Location	1-2-3 Dogenzaka, Shibuya-ku, Tokyo Shibuya Fukurasu
Representative	President & Chief Executive Officer Issei Ainoura
Business Description	■ Comprehensive payment related services and finance related services
Capital	4,712 million yen

[GMO Internet, Inc.] (URL: https://www.gmo.jp/)

Corporate Name	GMO Internet, Inc. (TSE First Section Securities Code: 9449)
Location	Cerulean Tower 26-1, Sakuragaoka-cho, Shibuya-ku, Tokyo
Representative	President and Group Representative Chairman ＆ Chief Executive Officer Masatoshi Kumagai
Business Description	■ Internet infrastructure business ■ Internet advertising / media business ■ Internet finance business ■ Cryptographic assets business
Capital	5 billion yen

* "ZOZOTOWN" and "Tsukebarai" are registered trademarks of ZOZO, Inc..
* Other company names and product names are trademarks or registered trademarks of their respective companies.

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