GMO Payment Service Launches API Integration Feature for Platform Users of 'GMO B2B Pay on Credit'
~Provides credit check and collection features for 'freee invoice | Leave it to you' ~

GMO Internet Group's GMO Payment Service, Inc. ^(*1) (President & Chief Executive Officer: Tomoyuki Murakami, hereinafter GMO-PS) will begin offering API integration features for platformers on its BtoB transaction Payment After Delivery service "GMO B2B Pay on Credit" starting Tuesday, October 20, 2026. Platformers providing invoice services and business SaaS will be able to incorporate functions such as credit check and payment collection (^*2) into their services via APIs.
Previously, embedding "GMO B2B Pay on Credit" required individual development and operational design, but this feature reduces the burden on development and operations. Platformers can offer prepaid services while leveraging their own services and UI, expanding their range of services while maintaining customer touchpoints.

As a case study of this feature, GMO-PS integrates with freee K.K. (CEO: Daisuke Sasaki, hereafter freee). Freee will incorporate "GMO B2B Pay on Credit" into its new feature, "freee invoice | Omakase Collection" (hereafter, "Omakase Collection"), scheduled to launch in January 2027, linking freee's invoice creation, issuance, and accounting with GMO-PS's credit check and payment collection, enabling the entire process from billing to collection to be handled as a complete process.
As the use of AI agents advances, platformers are gaining value as points of contact for users to entrust their tasks. Starting with collaboration with freee, GMO-PS will continue to expand API integration with platformers to support the efficiency of billing and payment operations in business-to-business transactions.

• (*1) GMO-PS is a consolidated company of GMO Payment Gateway, Inc..
• (*2) Transactions conducted through GMO-PS credit check are eligible. However, transactions excluded from this category by the terms and conditions are excluded.

【Background and Summary】

In deferred payments in intercompany transactions, in addition to creating and issuing invoice, various tasks related to payment collection arise, such as credit check with business partners, payment management, and reminders for unpaid payments. Since 2020, GMO-PS has provided "GMO B2B Pay on Credit" to help streamline these operations and reduce the risk of uncollected payments.
Additionally, platformers providing invoice services and business SaaS have requested to offer their own services from invoice creation and issuance to credit check and payment collection, supporting users' operations in an integrated manner.
However, when building and operating such functions in-house, in addition to managing credit check and uncollected risks, specialized knowledge and operational systems are required for each client company, including payment processing, payment clearing, and collection efforts, making it difficult for platformers to build and operate debit payment functions in-house. Therefore, GMO-PS will take on these credit check and collection operations with "GMO B2B Pay on Credit" and begin offering optimized API integration features for platformers so they can integrate them into their services.

[About the API Integration Features for "GMO B2B Pay on Credit" Platformers]

invoice This is an API integration feature that allows platformers providing services or business SaaS to incorporate "GMO B2B Pay on Credit" features into their services. From implementation to daily operation, the following functions and operations are provided through API integration.

■ Main Features and Operations

- Platformers can leverage their own services and UI to provide credit check and payment collection functions to their customers, such as seller and buyer companies.
- Because it can manage many seller companies (users on the platform) together, deployment can be tailored to the size of the platform.
- Automatic real-time credit check is performed when the buyer company registers, and availability is determined on the spot, providing a smooth payment experience without waiting for business partners.
- In addition to payments payment to individual seller companies, GMO-PS handles all operational tasks such as payment settlement and collection for each buyer company in one place. Platformers can incorporate payment functions without having to worry about handling the many businesses using their platform individually.
- Some features that previously required optional contract have been standardized, and we are expanding features that can be used without additional contract or procedures.

[About 'Leave It to Us Collection']

（URL：https://www.freee.co.jp/invoice/omakase/）

"Omakase Collection" is a feature that links "freee invoice" and "GMO B2B Pay on Credit," allowing businesses using "freee invoice" to perform a complete range of operations from creating and issuing invoice to credit check, payment collection, deposit settlement, and accounting processing. The main features are as follows.

1. Send and Done Billing Experience Completed by Sending

The previously fragmented processes of "credit, debt guarantee, outstanding payment collection agency, deposit clearance, and accounting processing" are completed with "freee invoice." It realizes a "Send and Done" billing experience, where the collection process is completed as soon as the invoice is sent.

2. Combining in-house billing and 'leave it to us' collection

Businesses can select and send the usual "in-house billing" or "leave it to us" for each invoice depending on the collection workload and the risk of uncollected items from business partners. This allows for a more flexible billing experience while maintaining the previous "freee invoice" sending experience.

3. Cash flow support

By receiving the compensation for the assignment of claims, the business operator eliminates the risk of uncollected claims or bad debts ^(*2). Furthermore, with 'Leave the Collection to Customers,' by utilizing an early deposit plan that allows payments twice a month, the payment consideration is payment to the seller on the same or earlier payment date, contributing to cash flow stabilization.

[Comment from freee K.K. Executive Director, Vice President of Product & CEO of Financial Products Akinori Sato]

invoice is both the starting point for accounting and the starting point for cash flow. By collaborating with GMO Payment Services, we will connect invoicing, collection, and accounting into one, and together create a system that supports cash flow for small businesses.

[About "GMO B2B Pay on Credit"]

（URL：https://www.gmo-ps.com/kakebarai）

"GMO B2B Pay on Credit" is a Payment After Delivery service for B2B transactions offered by GMO-PS.
Regardless of whether you are a corporation or sole proprietor, you can use this service for all B2B transactions, whether online (EC) or offline (face-to-face), including regular route sales partners and customers using subscription-based services ^(*3).​
credit check ・ invoice Since tasks such as issuance, payment management, and collection in case of unpaid payments can be entrusted to GMO-PS, businesses can streamline their billing operations. Furthermore, regardless of the payment situation of the business partner, GMO-PS bears the risk of uncollected payments and deposits accounts receivable of one month's worth of transactions on the designated date ^(*2).​

■ Features of "GMO B2B Pay on Credit"

1. Utilizing Existing invoice	Platformers that already have a invoice issuance mechanism can use the invoice they currently issue as is. "GMO B2B Pay on Credit" handles credit check, payment management, and collection responses.
2. Real-time Credit Granting	If the basic credit limit is within 5 million yen (※4), no application documents or option contract are required. Automatic real-time credit check is performed when the buyer company registers, and the approval is determined on the spot, providing a smooth payment experience without keeping your business partner waiting. We also have a system to secure a dedicated credit limit for transactions exceeding 5 million yen.
3. Flexible management that can be changed for each buyer company	You can individually set or change the delivery method for the closing cycle, payment date, and invoice for each buyer company. Configuration and changes do not require an application and are immediately reflected via API. Some features that previously required option contract have been standardized, and we have expanded features that can be used without additional contract or procedures. ■ Main Features ・Individual Closing/Payment Cycles: You can set closing cycles and payment dates for each buyer company, allowing management tailored to the circumstances of your business partners. ・ invoice Individual delivery method settings: Choose the sending method from email (PDF), envelope, or postcard for each buyer company ・Individual payment due date settings: Flexible specification of the buyer's company's payment due date up to 180 days in advance ・Dedicated credit limit: For transactions exceeding the basic credit limit, we offer a system that allows you to secure a dedicated credit limit through API application or webhook notifications. ・Exclusive transfer account for the buyer company: Upon registration of the buyer company, a dedicated transfer account (virtual account) is issued, and payment destination information is provided before the transaction begins. ・Invoice Issuance: For each transaction, you can specify whether invoice support is required, consumption tax aggregation units, and rounding methods ・Advance deposit cycle: Available in two patterns: monthly payment and twice-monthly payment
4. Pricing Structure	A payment fee will be charged for confirmed transactions. invoice Issuance fees apply when sending by envelope or postcard, and are not charged for sending by email (PDF). Many features that were previously required by Option contract have been standardized, eliminating the need for additional contract for each feature. Extensions beyond 60 days are charged in tiers based on the specified length of the due date. Prices are individually quoted according to your transaction terms. For details, please contact us.

• *3 Use of "GMO B2B Pay on Credit" is subject to GMO-PS screening.
• (※4) The actual upper limit varies depending on the business owner's attributes and other factors.

[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".

【GMO Payment Service, Inc.】

GMO-PS, as a consolidated company of GMO-PG, which provides comprehensive payment-related and finance-related services, offers the Payment After Delivery service "GMO Payment After Delivery" for BtoC e-commerce transactions and the Payment After Delivery service "GMO B2B Pay on Credit" for BtoB transactions, as well as the BNPL ^(*5) service "atokara," jointly provided by Sumitomo Mitsui Card Company, Limited and GMO-PG. Thanks to real-time credit services and systems that can be customized according to business operations, many businesses use the service.
Going forward, we will continue to strive to be a company that contributes to society and people through internet and payment services, striving to develop and provide services that are safer and more convenient for e-commerce businesses and purchasers.

• (Note 5) Abbreviation for "Buy Now Pay Later," payment method of buy now pay later meaning "Buy now, pay later."