Online infrastructure of payments "fincode byGMO", Added "Account transfer" to payment method
~Strengthening support for startup subscription businesses~

December 5, 2023

GMO Epsilon, Inc.

GMO Internet Group is a consolidated company of GMO Payment Gateway, Inc. GMO Epsilon, Inc. (Chairman & Chief Executive Officer: Tomoyuki Tomoyuki Murakami (hereinafter referred to as GMO Epsilon) will be an online event for startups to succeed from Monday, December 4, 2023. Payment method of infrastructure of payments "fincode byGMO" Added "Account transfer" to .
Businesses that have introduced "fincode byGMO" can easily apply for additional payment methods from the management screen, credit cards, Payment by "account transfer" with API integrated with CVS payment, etc. (*1) It will be possible to accept. "fincode byGMO" is not only a system aspect, but also a screening and contracts necessary for the use of payment methods. We provide one-stop support for everything from surrounding procedures to operational aspects such as settlement of sales proceeds.

  • (*1) Supported payment methods are credit card, CVS payment, PayPay, Apple Pay, Account transfer (as of December 2023). More will be added from time to time.

Online infrastructure of payments "fincode byGMO", payment methodsAdd "Account transfer" to

【Background and Summary】

Many startups in Japan are working on business growth with a high sense of speed while having limited personnel, and payment functions that are not the core of services and products are required to have features such as "easy to introduce," "easy to implement," and "simple fee structure with no fixed costs."
"fincode byGMO" responds to the requests of startups when introducing payment functions and provides an environment where they can focus on business growth. By providing integrated APIs and management screens, we not only support the introduction of payments on the system side, but also review and contracts various payment methods. We provide one-stop support for operational aspects such as surrounding procedures and settlement of sales proceeds. Using "fincode byGMO" as a hub, businesses that have introduced the system can incorporate and operate multiple payment functions into their services at a low cost. All payment methods are available with a simple fee structure with no initial or fixed costs.
"Fincode byGMO" actively incorporates the business needs of introducers, mainly startups, and the voices of engineers, and regularly updates it according to the current trends. Under such circumstances, "account transfer" payment method from businesses developing subscription services and SaaS businessesWe have received many requests and inquiries about additions, and we have added "Account transfer Account transfer". This is a payment method that automatically deducts money from the user's bank account registered in advance on a fixed date every month (*2). According to the Ministry of Ministry of Economy, Trade and Industry's "Cashless Fact-finding Survey", Account transfer is the second most popular method after credit cards and cash payments, accounting for 17% of monthly expenditures (*3).

【About "fincode byGMO"】


"fincode byGMO" comprehensively solves hidden issues in the payment field that occur before and after the service launch of startups, and at the same time, An online infrastructure of payments that seamlessly delivers the scaled value required as business phases progressAre. In addition to e-commerce, we cover a wide range of functions and performance required for complex and modern business models such as platform and subscription types, regardless of whether they are BtoC, BtoB, or CtoC. In addition, we provide a wealth of development support assets that can be accessed online, and our customer success team is familiar with payments, software, and startup businesses to back up implementation and operations.
In the PMF (Product Market Fit) phase, which requires lean development, "immediate provision of a test environment", "rapid web review", "online guidance that is easy to understand even for engineers who have no experience in payment implementation", " By providing SDK and UI components that reduce development man-hours, it is possible to implement payments with a short lead time, and it is possible to focus on building your own products.
In addition, in the growth phase, "responding to a wide range of important payment methods and various billing systems" and "increasing paymentsWe 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 rapid improvement cycle, and registration and management of tenants on the platform.
In both phases, we thoroughly eliminate invisible costs such as initial costs, monthly usage fees, account maintenance fees, and transfer fees.

【About GMO Epsilon, Inc.】

GMO Epsilon is a payment processing services service with no initial cost or transaction processing fee (*4). As of the end of September 2023, it is being used by 43,201 e-commerce businesses. Just by contracting with GMO Epsilon, there is no need to build a system for each payment processing business. From Credit card payment to CVS payment, E-wallet payment, smartphone carrierVarious payment methods such as paymentIn addition to being able to use the delivery service in one go, it is possible to save a lot of time and costs by settling the product price collected from the buyer and the freight settlement of the delivery in a lump sum. In addition, in order to support the smooth cash flow of e-commerce businesses, we have finance such as the sales-linked business card "Cycle by GMO" and lending and Remittance Service. Related services are also available. GMO Payment Gateway, Inc., a company listed on the TSE PrimeWe have been granted the Privacy Mark for the protection of personal information, and our security standards are PCI DSS and ISMS, making it an environment where our customers can use it 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.
Public Relations Officer, Group Communication Department
[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., Ltd.] (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