GMO Internet Group will develop comprehensive payment and finance services. GMO Payment Gateway, Inc. (TSE Prime Market: Securities Code: 3769, President & Chief Executive Officer: Issei Ainoura (hereinafter referred to as GMO-PG) MIROKU JYOHO SERVICE CO., LTD. ( President & Chief Executive Officer: Hiroki Koreeda (hereinafter referred to as MJS) "Pocket Accounting Billing Payment", a new accounting DX app provided for small businesses ^(*1),"Invoice Card Pay byGMO by GMO", which enables credit card payment of invoices in BtoB transactionswill be available from Monday, December 18, 2023.

• *1 BASED ON THE DEFINITION OF THE BASIC ACT ON SME ENTERPRISES, WE ASSUME THAT THE NUMBER OF EMPLOYEES IN THE MANUFACTURING INDUSTRY AND OTHERS IS 20 OR LESS, AND THAT THE NUMBER OF EMPLOYEES IN THE COMMERCIAL AND SERVICE INDUSTRIES IS 5 OR LESS.

The digitization of invoices has progressed due to the revision of the Electronic Book Preservation Act (hereinafter referred to as the Electronic Book Preservation Act) in 2022, but PDF invoices received by email or chat and paper invoices received by mailThis can make storing and managing invoices more cumbersome. Especially for small businesses with a small number of employees, there is a shortage of IT human resources and system investment, and compliance with the Electronic Ledger Act and the invoice system tends to be delayed.
Under these circumstances, MJS will provide "Pocket Accounting Billing Payment," a smartphone app that allows small businesses to store invoices as electronic data in compliance with the Electronic Ledger Act from December 18, 2023. "Pocket Accounting Billing Payment" allows you to digitize paper invoices by taking pictures from the same app and save them in bulk, and AI-OCR ^(*2) It automatically determines whether an invoice is qualified invoice for the invoice system and displays the total amount to be paid.
GMO-PG has linked "Invoice Card Pay byGMO" that enables credit card payment of invoices to "Pocket Accounting Billing Payment". It will enable app users to perform everything from digitization to card payment after receiving an invoice using only their smartphones, and will support the promotion of DX by businesses in collaboration with MJS.
"Invoice Card Pay by GMO" is a service provided by utilizing GMO-PG's company-to-business payment, screening and credit know-how. Businesses do not need to make a bank transfer, and you can easily make payments using your credit card (Visa / Mastercard). In addition, it is possible to extend the payment due date by up to 60 days by credit card payment, which leads to improved cash flow.
In the future, GMO-PG will continue to actively collaborate with partner companies such as accounting system application providers, banks and credit card companies, trading companies, and FinTech companies whose customers are buyer companies that receive invoice Invoice Card Pay byGMOWe will continue to provide the following.

• *2 Optical Character Reader incorporating AI (Artificial Intelligence) technology

This is a smartphone application provided by MJS that allows you to store invoices as electronic data that complies with the Electronic Ledger Act, and is compatible with iOS and Android OS. After downloading the app and registering to use it, paper invoices can be converted into electronic data and stored collectively by taking a picture from the app. In addition, AI-OCR automatically determines whether the invoice is a qualified invoice corresponding to the invoice system. In addition to displaying the total amount to be paid on the app, you can seamlessly payment each invoice by integrating with external services. There is no introduction fee, and you can use it for a monthly usage fee of 1,500 yen ~ (excluding tax).

This is a service that enables credit card payment using invoices in BtoB transactions. Even if the payment method of the selling company is limited to Bank transfer or promissory note and does not accept credit cards, the buying company payments by credit card. You can. The buyer company logs in to the dedicated page on the website provided by GMO-PG, enters the information of the invoice issued by the selling company at the time of purchase, and makes the payment by credit card. GMO-PG will make an advance payment of the purchase price to the selling company by the due date after the payment by credit card by the buyer company. Since credit card charges are billed approximately 60 days after payment ^(*3), the buyer can extend the payment date by up to 60 days to improve cash flow. The international brands that can be used are Visa and Mastercard, and other brands will be added in the future.

• (*3) Varies depending on the date of application for card payment and the date of withdrawal of the card used.