Online infrastructure of payments for startups "fincode byGMO", Add "PayPay" to payment method
~Credit card payment an API integrated with CVS Payment and "PayPay" by "payment" ~

May 9, 2023

GMO Epsilon, Inc.

GMO Internet Group is GMO Payment Gateway, Inc. (hereinafter referred to as "GMO-PG") consolidated company. GMO Epsilon, Inc. (Chairman & Chief Executive Officer: Tomoyuki Murakami GMO-EP) is an online program designed to help startups succeed. infrastructure of payments "fincode byGMO" (URL: payment method, PayPay Corporation ( President & Representative Director, CEO, Corporate Officer: Ichiro Nakayama) has added the cashless payment service "PayPay" from May 9, 2023 (Tuesday).
The companies that have introduced "fincode byGMO" are Credit card payment and CVS Payment Using the integrated API, it is possible to accept payment by "PayPay" in your web application, smartphone application, etc.

Online infrastructure of payments for startups "fincode byGMO", payment method Add "PayPay" to

【Background and Summary】

Many startups in Japan Japan are working on business growth with a high sense of speed with limited personnel. Therefore, payment functions that are not the core of services and products are required to be "quick to implement", "easy to implement", and "simple fee structure". Against this background, GMO-EP is an online solution to the payment field issues of startups by utilizing the knowledge and development capabilities in payment that GMO-PG has cultivated as a group. infrastructure of payments "fincode byGMO" has been available since May 2022.
"fincode byGMO" is regularly updating according to the times while actively incorporating the business needs of start-ups and the voices of engineers and introducing companies. "PayPay" has been added as a payment method.
PayPay is a cashless payment service boasting more than 55 million registered users (*1). Even users who do not use a credit card can complete the payment at the same time as ordering, making it convenient to use. Provides the same or greater convenience in online payment than Credit card payment While payment method is required, businesses that have introduced "fincode byGMO" It is possible to provide "PayPay" as a payment method.
Since the API is integrated with Credit card payment and CVS Payment, "fincode byGMO Introducing companies can reduce implementation and learning costs and accept payment by "PayPay" in their web applications, smartphone apps, etc. With fincode byGMO, you can implement PayPay in a test environment at any time, and the procedure for production use will be completed online (*2).
The purchaser can authorize the payment on the "PayPay" app or log in to the "PayPay" on the browser to " PayPay Balance" or in “PayPay Atobarai (Pay Later)” payment is possible (*3).

  • *1 Number of users who have registered PayPay accounts. As of February 2023. PayPay Corporation research.
  • *2 There is a screening process for use.
  • *3 The payment option available for PayPay varies depending on the usage status of each user and the screening results of each user.

【About "PayPay"】


The cashless payment service "PayPay" provided by PayPay Corporation is available not only at large chain stores, but also It is a cashless payment service that continues to expand nationwide Japan, from small and medium-sized stores to payment to vending machines, taxis, public transportation, etc. Various such as payment on online services and utility charge invoice payments It can also be used in payment scenes. Also, PayPay Balance between users (PayPay Money and PayPay Money Lite Functions such as "sending and receiving" (remittance or transfer and receipt) free of charge, and "point management" services that allow you to simulate the investment provided by a service provider that partners with you by exchanging PayPay points for points of affiliated service providers, etc payment There are many other convenient ways to use it. In addition, we have set up a telephone contact point where consultation is available 24 hours a day, 365 days a year, and a compensation system in the event of damage is established to create an environment where users can use it with peace of mind.

【About "fincode byGMO"】

"fincode byGMO" comprehensively solves the hidden issues of payment field that occur before and after the service launch of a startup, and at the same time, It is an online infrastructure of payments that seamlessly provides the expansive value required as the business phase progresses.
We cover a wide range of functions and performance required for complex modern business models of platforms, subscriptions, and subscriptions, as well as E-commerce, regardless of whether they are BtoC, BtoB, or CtoC. In addition, we offer a wealth of development support assets that can be accessed online, and our customer success team is familiar with payment, software, and startup business to back up your implementation and operations.
In the PMF (Product Market Fit) phase, which requires lean development, "immediate provision of test environment", "rapid web review", "online guidance that is easy to understand even for engineers who have no experience in payment implementation", " By providing SDKs and UI components that reduce development man-hours, it is possible to implement payment in a short lead time, and it is possible to focus on building your own products.
In addition, in the growth phase, "respond to a wide range of important payment method and various billing systems" and "increase payment We back up the strengthening of the user base according to the business model, such as stable processing of transactions, compliance with laws and regulations and security standards with a fast improvement cycle, and registration and management of tenants on the platform.
In both phases, invisible costs such as initial costs, monthly usage fees, account maintenance fees, and transfer fees are thoroughly eliminated, and all functions can be used with only a fee based on the payment amount. The payment method supports credit cards, convenience stores, payment "PayPay", and will be added from time to time.

【About GMO Epsilon, Inc.】

GMO-EP is a business that provides payment processing services with no initial costs or transaction processing fees (*4). As of the end of December 2022, it has been used by 42,932 EC businesses. Just by contract GMO-EP, there is no need to build a system for each payment processing business Credit card payment CVS Payment, E-wallet, smartphone carrier payment, etc.payment method In addition to being able to use the delivery service all at once, the product price collected from the purchaser and the freight rate for delivery are also settled at once, so it is possible to greatly reduce labor and costs. In addition, in order to support the smooth cash flow of EC operators, we have finance sales-linked business cards such as "Cycle by GMO", lending, and Remittance Service. Related services are also available. TSE a member of the GMO Internet Group, a company listed on Prime, we have been granted the Privacy Mark for personal information protection, and our security standards comply with PCI DSS and ISMS, making it an environment that customers can use with peace of mind.

  • *4 Transaction processing fee is a fee charged for each communication with a credit card company for credit card authorization (acquisition of approval numbers) and billing.
[Press Inquiries]
GMO Payment Gateway, Inc.
Corporate Value Creation Strategy Division Public Relations/UX Design Department
GMO Internet Group, Inc.
Group Communication Department Public Relations Officer Yamazaki
[Contact for inquiries regarding services]
GMO Epsilon, Inc.
"fincode byGMO" Support Team

【GMO Epsilon, Inc.】(URL:

Corporate Name GMO Epsilon, Inc.
Location Tokyo Shibuya-ku Dogenzaka 1-chome 14-6 Humax Shibuya Building
Representative Chairman & Chief Executive Officer Tomoyuki Murakami
Business Description ■ Online sales payment processing company, payment collection agency and operations incidental to them
Capital 105 million yen

[GMO Payment Gateway, Inc.] (URL:

Corporate Name GMO Payment Gateway, Inc. (TSE Prime Market 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 13,323 million yen

【GMO Internet Group Inc.】 (URL:

Corporate Name GMO Internet Group, Inc. (TSE Prime Market, securities code: 9449)
Location Cerulean Tower 26-1, Sakuragaoka-cho, Shibuya-ku, Tokyo
Representative Representative Director and Group Representative Masatoshi Kumagai
Business Description ■ Internet infrastructure business
■ Internet advertising / media business
■ Internet finance business
■ Cryptographic assets business
Capital 5 billion yen