Pay-easy
Pay-easy is a Japanese payment service that enables consumers to pay for online purchases, taxes, utilities, and public service fees through ATMs or internet and mobile banking, without requiring a credit card or bank account linked to the merchant’s platform. At checkout, the customer selects Pay-easy and receives a payment number, which they then use at any participating bank ATM or via their bank’s internet banking interface to complete the payment. The transaction confirms immediately once processed, giving merchants real-time payment notification.
Pay-easy is operated under the Japan Multi Payment Network (JAMPA) framework and is supported by all major Japanese banks as well as Japan Post Bank, making it accessible to virtually the entire Japanese banking population. Online banking is the primary channel for Pay-easy payments, with transaction volumes through that channel increasing year on year as more Japanese consumers manage their banking digitally.
For merchants entering the Japanese market, Pay-easy fills a specific gap. Over 21% of Japanese online shoppers use bank transfers at banks, post offices, or ATMs for e-commerce purchases, and Pay-easy is the structured, merchant-integrated version of that behaviour. It is particularly relevant for reaching older consumers and those under 20 who cannot hold credit cards, two demographic segments that represent meaningful purchasing power in Japan’s market. Unlike Konbini payments, which require a physical store visit, Pay-easy can be completed entirely online through internet banking, making it a more friction-free alternative for consumers with bank access who prefer not to use credit cards.
From a merchant setup perspective, direct participation in Pay-easy requires registering with JAMPA, which involves a setup fee and an annual fee. The more practical route for most merchants, particularly non-Japanese businesses, is integration through a specialist Japanese PSP such as KOMOJU, which offers Pay-easy alongside other Japanese local methods through a single integration.
The Japanese payment landscape is notably fragmented, with credit cards, convenience store payments, QR code wallets, and bank-transfer methods all holding significant shares. For merchants building a Japanese payment mix, Pay-easy sits alongside Konbini as a complementary bank-transfer option for non-card-preferring consumers.
Relevant markets: Japan
