Ginko Pay Base System

Ginko Pay Base System

▼ What is Ginko Pay Base System?

Ginko Pay is a smartphone app that enables payments to be made by an immediate debit from the bank account. Financial institutions can launch their proprietary smartphone payment apps by using the Ginko Pay base system, and also offer services beyond the bank’s or region’s service coverage by crosslinking with other banks that have also adopted this system (i.e., interlinking of banks).
For account holders of the bank that have implemented Ginko Pay, users need only to download the smartphone app and pre-register their bank account, to be able to make purchases at merchants using the QR-code or bar code payment method; with the purchase amount immediately debited from their bank account to complete the transaction.

Ginko Pay Base System

Banks adopting Ginko Pay (includes prospective adopters)

  • The Bank of Yokohama Ltd.
    The Bank of
    Yokohama Ltd.
  • The Bank of Fukuoka Ltd.
    The Bank of
    Fukuoka Ltd.
  • The Kumamoto Bank Ltd.
    The Kumamoto Bank Ltd.
  • The Shinwa Bank Ltd.
    The Shinwa Bank Ltd.
  • Japan Post Bank Co. Ltd.
    Japan Post Bank Co. Ltd.
  • The Bank of Okinawa Ltd.
    The Bank of
    Okinawa Ltd.
  • The Hokuriku Bank Ltd.
    The Hokuriku Bank Ltd.
  • The Hokkaido Bank Ltd.
    The Hokkaido Bank Ltd.
  • The Hiroshima Bank Ltd.
    The Hiroshima Bank Ltd.
  • Sumitomo Mitsui Banking Corporation
    Sumitomo Mitsui
    Banking Corporation
Ginko Pay Base System
  • User App
  • Merchant App

Major functions

▼Multi-bank Payment Function (interlinking of banks services)

This function enables interlinking of banks that have adopted this system.
By implementing this function, users can also make purchases at merchants that accept the proprietary smartphone payment services of other financial institutions/banks that adopt this system.

▼Payment-Slip payment function

This function enables payments using a payment-slip*1 from the smartphone payment service of financial institution’s.
By implementing this function, account holders with a bank that offer this payment app service, can complete the payment by reading the QR code or bar code printed on the payment-slip, and have the amount debited from the user’s bank account.

*1 Usable on payment-slips issued by Densan System Co. Ltd. and Japan Post Bank. Planning to add other payment-slips going forward.

▼Cash Out Service

This function enables users to withdraw cash from their bank deposit accounts by using the bank account linked payment method in their devices such as smartphone and debit cards, from a retail store’s register as well as from automatic payment machines.
This cash out service was launched in May 8, 2019 at the ticket machines of Tokyu Line train stations. Cash withdrawal from bank account is also available on The Bank of Yokohama’s “Hama Pay” and Japan Post Bank’s “Yucho Pay” by inputting the withdrawal amount on the smartphone apps of either of these services, and scanning the QR code or bar code displayed on the device on the ticket machine’s reader.

▼External APIs

This function enables the interlink with POS registers and automatic payment machines.
Merchants with the contract to use Ginko Pay can implement Ginko Pay without any change to the check-out operations.
Ginko Pay is expanding its use cases by interlinking with various services such as payment at dispensaries.

Supplement: Methods to scan/read codes for payment

※Please note that the method to read/scan the codes at time of payment may differ for each bank’s smartphone app.

▼Payment Flow (MPM: User reads the QR code or bar code)

Payment Flow (MPM: User reads the QR code or bar code)

▼Payment Flow (CPM: Merchant reads the QR code or bar code)

Payment Flow (CPM: Merchant reads the QR code or bar code)