Ginko Pay (OEM product)

Ginko Pay (OEM product)

▼ What is Ginko Pay (OEM product)?

Ginko Pay is a mobile phone payment service linked to bank account. GMO-PG aims to support regional revitalization by providing this new payment method that takes advantage of the “penetration of smartphone” and the “edge of bank.” Under Ginko Pay, financial institutions provide a smartphone payment service to their account holders and institutional clients, based on smartphone payment system GMO-PG offers as an OEM (or as an ASP.)
The platform is designed as an expandable Fintech service based on payment to serve on various scenarios.

Ginko Pay OEM system

Ginko Pay OEM system
  • App for buyer
  • App for merchant

Multi-bank support

Streamline your merchant management functions with our multi-bank payment function (serves across banks)

Streamline your merchant management functions with our multi-bank payment function (serves across banks)

Four things to know about Ginko Pay (OEM product)

  • ・Merchant data is shared across onboard financial institutions with multi-bank feature
  • ・Payment methods include bank account transfer and credit card payment with a plan to add Alipay
  • ・Planned to support cash out service leveraging the uniqueness of banks
  • ・Can work with POS register and automated settlement machines for future expansion of usage scenarios

Payment flow (for QR code payment)

Buyer reads a QR code on our check out app

Payment flow (direct input)

Check the amount and enter PIN

Link to automated settlement machine

▼Payment flow for automated settlement machine

1. Select a payment method on a screen of automated settlement machine (bank account)
						2. Machine’s screen shows a QR code
						3. Read the QR code with Ginko Pay app
						4. Check the amount on the app and press confirm
						5. Payment completes with a receipt outputted

▼Cash out flow via automated settlement machine

1. Select a withdrawal on a screen of automated settlement machine
						2. Machine’s screen shows a QR code
						3. Scan a QR code on Ginko Pay app and enter PIN
						4. Machine outputs cash and a receipt

Financial institutions on board

  • Bank of YokohamaReleased
  • Bank of FukuokaReleased
  • Kumamoto BankReleased
  • Shinwa BankReleased
  • Resona BankUpcoming
  • Saitama Resona BankUpcoming
  • Kinki Osaka BankUpcoming
  • Japan Post BankUpcoming