smartphone-based payment infrastructure systems for banks

Ginko Pay Infrastructure Systems

It is a service that allows you to payment by immediately debiting your bank account from a smartphone app.
Banks can not only develop their own smartphone-based payment services that utilize the infrastructure system of "Ginko Pay", It is possible to provide a service that can be used across banks and regions through the multi-bank payment function (mutual entry between banks) that enables mutual cooperation between the banks that have been introduced.
Users who have an account with a bank that has introduced "Ginko Pay" can download the smartphone app for users and register their account in advance to payment QR code / barcode when shopping at member stores. The money will be debited directly from your bank account and the payment will be completed.
GMO-PG provides the foundation system for Ginko Pay.

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Ginko Pay Base System

Introducing bank

On this page, the banks that have introduced GMO-PG are listed in the order in which they were released.^（※1）

（※1） 2024年11月1日現在

Main functions

Multi-bank payment function (interbank interchangeability)

It is a function that enables mutual cooperation between banks.
By introducing this function, users of the bank's own smartphone-based payment service will be able to use the original It will also be available at merchants (* ²⁾ that handle smartphone-based payment services.

■Banks that support multi-bank payment (* ¹⁾

横浜銀行、ふくおかフィナンシャルグループ（福岡銀行・熊本銀行・十八親和銀行）、ゆうちょ銀行、沖縄銀行、広島銀行、三井住友銀行^（※3）

(*2) It may not be available at some stores.
(*3) SMBC provides "Operator-type Pay," a service that allows businesses to install payment functions on their smartphone membership apps.

Face-to-face QR payment features

QR codes were used in the payment of Ginko Pay merchants smartphone-based payment This is the function that the service can perform.

Payment slip payment function

This is a function that allows you to payment payment ^{slips (*4)} with the bank's own smartphone-based payment service.
By introducing this function, users of the bank's own smartphone-based payment service can read the QR code / barcode printed on the payment slip with the app and the payment will be deducted from their bank account. The payment is complete.

■Banks that support payment slip payment functions ^(*1)

横浜銀⾏、ふくおかフィナンシャルグループ（福岡銀⾏‧熊本銀⾏‧⼗⼋親和銀⾏）、ゆうちょ銀⾏、沖縄銀⾏、広島銀⾏

(*4) You can use the computer system, CNS, PayB, or payment slips issued by Japan Post Bank. The payment slips that can be accepted differ depending on each line. (Limited to those who have signed a special agreement for Bank Pay)

Remittance function

It is a function that allows you to send money between individuals of 100,000 yen or less with a low fee by specifying your mobile phone number and email address from the smartphone app.
Normal financial institution with users who have an account with a bank that supports Remittance Service In addition to account-designated remittances, you can easily and conveniently transfer money between individuals by specifying your mobile phone number, email address, value ID, etc. If you specify a mobile phone number or email address, you can also send a remittance message to the sender.

■Banks that support the Kotora remittance function ^(*1)

Bank of Yokohama, Fukuoka Financial Group (Fukuoka Bank, Kumamoto Bank, 18 Shinwa Bank), Hiroshima Bank

For an overview of the Kotora Money Transfer service, please refer to the following Cotra website.
https://www.cotra.ne.jp/p2pservice/

Taxes public fund Features

This function allows you to read the unified QR code local taxes with your smartphone and pay taxes and public fund. By scanning the QR code on the payment slip with the "eL mark" display, taxpayers can complete tax and public fund payments without having to visit banks or convenience stores at their favorite time.

■Banks that have supported Kotora Tax public fund functions ^(*1)

Bank of Yokohama, Fukuoka Financial Group (Fukuoka Bank, Kumamoto Bank, 18 Shinwa Bank)

For an overview of the Kotora Tax public fund, please refer to the following Cotra website.
https://www.cotra.ne.jp/ltaservice/

[Optional functions]

Touch payment integration

This is a "touch payment" function that allows you to issue a "virtual prepaid card" from the Ginko Pay app and complete the payment without contact. You can charge value from your bank account and touch payment at ID member stores and VISA stores.
Collaboration with regions and municipalities

With the aim of supporting the "cashless consumption promotion business" promoted by various municipalities, this function provides a handling platform and QR code payment service for regional promotion tickets.
EC Account Direct payment Functions

This function allows you to payment directly from your bank account in addition to existing credit cards and convenience store payments for online shopping and other payment.