>PayPal Payment

PayPal Payment


PayPal is a safe and convenient payment platform adopted by over 18 million businesses and used by more than 250 million users worldwide. The buyer can make a payment by using their ID and password, once they open their PayPal account and register their credit card and/or bank account. Since PayPal acts as an intermediary between the buyer and the seller, ensuring security for the buyer during a transaction by not disclosing the credit card and/or bank account details, while making it easier for the seller to manage the transaction information.

Advantages of PayPal payment

  • ・ One stop service that handles all credit card payments and bank account payments. *1
  • ・ The sales value is immediately deposited into the seller’s account, while the cash withdrawal/debit from the buyer takes place after a minimum of 3-days.
  • ・ Free-of-charge Seller’s Protection System that compensates seller’s for fraudulent transaction. *2
  • *1 Credit Cards handled: VISA, MasterCard, JCB, American Express, Union Pay, etc
    Banks: Mizuho Bank, Sumitomo Mitsui Banking Corporation, MUFG Bank, JP Bank, Resona Bank, Saitama Resona Bank.
  • *2 Conditions apply for the Seller’s Insurance. Please refer to the “PayPal Seller Protection” section of our Terms and Conditions.


From merchants to GMO Payment Gateway

Item Price
Initial fee Merchant account registration fee ¥ 50,000
Monthly fee Merchant account management fee/1store ¥ 5,000 / month

From merchants to PayPal

Item Price
Service fee Merchant services fee
*Details of PayPal commission rates are as follows.
  • ・Standard payments
    (Within Japan)
    2.9%-3.6% of sales amount+ ¥40
    3.4%-4.1% of sales amount+ ¥40
  • ・ Micropayments
    (Within Japan)
    5.0% of sales amount+ ¥7
    6.0% of sales amount+ ¥7

Deposit cycle

Money that remains after deduction of the transaction fee by PayPal, is debited directly to your PayPal account every time the payment is made. In order to withdraw deposit to your registered bank account, you need to conduct the procedure via “My account” of the administration screen managed by PayPal. It costs ¥250 per transaction, if the withdrawal amount is less than ¥50,000.

Cancelation of the processed payment

Just in case the processed payment was cancelled, you can perform the refund procedure via the administration screen managed by GMO Payment Gateway. By using this function, you can conduct a refund (remittance) between PayPal accounts, and transfer the refund directly to your customers' PayPal account.
*The refund procedure is possible only within 50 days after the payment was made.


In case of the fraudulent transaction, PayPal may conduct the investigation of the incident and charge you ¥1,300.
If you don't have enough money on the account, you will have to pay with the credit card.

Operation flow

  • Purchase information,Processed payment notification…Purchase information, Processed payment notification
  • Deposit…Deposit
  • Service delivery…Service delivery
Operation flow of PayPal payment
  1. Purchase
  2. Payment processing
    (Merchant -> GMO-PG)
  3. Payment processing
    (GMO-PG -> PayPal)
  4. Authentication information (URL issuing)
    (PayPal -> GMO-PG)
  5. Notification of authentication information
    (GMO-PG -> Merchant)
  1. Authentication screen displaying
    (Merchant -> Consumer)
  2. Authentication processing
    (Consumer -> PayPal)
  3. Payment confirmation
    (PayPal -> GMO-PG)
  4. Payment confirmation
    (GMO-PG -> Merchant)
    *Using only the program providing result notifications
  5. Service providing
  1. Deposit
    (PayPal -> Merchant)

Procedure until service implementation

1. Contact/request for materials

Please contact us using the request form or by phone. We will send you free materials about payment services best suitable for your business. According to your request, our sales representative will contact you as soon as possible.

Note that it takes from three weeks to two months to start the operation. This period includes: initial application, merchant screening, ID issuing, and system integration.
We provide detailed consultations and accept requests regarding our payment services.
Please feel free to contact us with any questions you may have.

It is also possible to use the system in the test environment and download specifications.

Test environment enables you to conduct a preliminary test upon introducing “PG Multi-Payment Service”.
We also provide specification documents, manuals, and administration dashboard that is necessary for processing various payment methods (test operation).

2. Documents to submit

Please submit following documents when applying.

When using the Representative Contract with merchants:
  • 1) PG Multi-Payment Service application
  • 2) The register of the company (copy)
  • 3) Materials presenting your products/services
  • 4) Merchant information form
  • 5) Internal check form
  • 6) Notation content based on the Act on Specified Commercial Transactions
  • 7) Application and license to each competent government office.
  • *Some of the above documents are not required, when a web page is already being operated.
  • *Please contact our sales representative for more information.
When using the Direct Contract with merchants:
  • 1) PG Multi-Payment Service application
  • 2) Merchant information form

3. Merchant screening and registration

In case of Representative Contract with merchants, each acquirer conducts the merchant screening via GMO-PG.

4. Delivering the production environment

We will notify you about production environment settings via e-mail as soon as the system connection between an acquirer and GMO-PG is set.

5. Connection test in the production environment

You conduct the connection test in the production environment.

6. The start of full-scale operation

Service operations start.

  • *The period before the operations start varies, depending on your development tasks.
  • *PayPal introduction differs from other installation processes. After the merchant screening is approved, you will receive a confirmation e-mail from PayPal. You need to reply back by typing an authentication code. After that, the production environment will be provided.