What Paytner does

Paytner Inc. (ペイトナー株式会社) is a Tokyo-based Japanese fintech founded in 2019 that operates an invoice factoring service targeting individual freelancers, sole proprietors, and one-person corporations. The core product enables users to upload an unpaid invoice via smartphone and receive same-day payment, with Paytner collecting the funds from the end client when the invoice matures. The company charges a flat 10% service fee (reduced to 8% for Paytner Card holders), with a ¥10,000 minimum and no subscription, credit check, or interview required. The 2-party model ensures the end client is never notified, preserving freelancer confidentiality and avoiding any impact on personal credit scores.

Paytner's product suite spans four offerings: Paytner (core factoring), Paytter (a financial education/blog platform serving as SEO-driven top-of-funnel content), Paytner Invoice (invoice automation tooling), and Paytner Card (a co-branded credit product with reduced fees). Distribution is fully digital and self-serve, supported by a marketing stack that includes a 20,000+ LINE subscriber base, 100+ SEO articles, partnerships with the Freelance Association and Creator Economy Association, integrations with freee/Money Forward/Chatwork/Seven Bank, and a national TV CM featuring Katori Shingo. The company has accumulated 700,000+ applications and 26,000+ active users, reports a 92% customer satisfaction rate among 4,067 surveyed users, and is preparing for a public stock listing.

Paytner has raised approximately $90M+ across multiple funding rounds from 2020 through 2025, with later rounds led by strategic banking investors including Mizuho Bank, SMBC, Fukoku Life Insurance, Shoko Chukin Bank, and Yamanashi Chuo Bank, alongside VCs such as Incubate Fund, Spiral Innovation Partners, and JIC Venture Growth Investments. In January 2026, the company drew down a ¥2.7 billion syndicated loan arranged by Mizuho Bank, with UPSIDER Capital providing AI-driven cash flow monitoring technology for daily credit assessment. The business model is a transaction-fee take rate on factored invoice volume, with all growth occurring within Japan and no current international footprint.

Name

Paytner

Legal name

ペイトナー株式会社

Website

https://paytner.co.jp

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Paytner is a Tokyo-based Japanese fintech founded in 2019 that provides mobile-first invoice factoring to individual freelancers and sole proprietors, charging a flat 10% fee for same-day payment on unpaid invoices. The platform has processed 700,000+ cumulative applications and serves 26,000+ active users across construction, creative, IT, and logistics industries in Japan.

Ownership category

akta.pro rank

Product category

Invoice Factoring

NAICS

Activities Related to Credit Intermediation (5223), Sales Financing (52222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Contractor / Freelancer Payments (FSAMAKAC)

akta.pro secondary industry

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

Keywords

• Invoice factoring services
• Freelancer cash advance
• Accounts receivable financing
• Small business working capital
• Alternative lending platform

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Invoice Factoring Transaction Fees: Paytner purchases unpaid invoices from freelancers and sole proprietors, providing immediate cash payment. The company earns a flat fee (percentage of invoice value) as compensation for the early payment service. Users pay only when they use the service — no subscription or recurring cost.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Paytner provides same-day invoice factoring services (請求書先払いサービス) for individual freelancers and one-person corporations in Japan. Users upload their unpaid invoices via smartphone and receive immediate cash payment within the same business day, while Paytner collects the full invoice amount from the client later. The service charges a flat 10% transaction fee (reduced to 8% for Paytner Card holders) with a minimum invoice amount of ¥10,000, and requires no credit check, no interview, and no subscription commitment.

Product overview

Paytner offers a unified fintech platform centered on invoice factoring services for freelancers and sole proprietors in Japan. The core product, Paytner (ペイトナー), enables same-day early payment on invoices for a flat 10% fee. This core service is supplemented by Paytter (ペイッター), an educational content platform providing financial literacy resources, and Paytner Invoice (ペイトナー請求書), an invoice automation tool. Additionally, Paytner Card (ペイトナーカード) is a co-branded credit card that reduces factoring fees to 8% for cardholders. Together, these products address the full lifecycle of freelancer finances from invoicing through payment collection.

Differentiator

Problem solved

Functional benefit

Products and services

• Paytner (ペイトナー) Invoice Factoring Service Same-day invoice factoring service that allows Japanese freelancers and one-person corporations to receive early payment on unpaid client invoices. Users upload their invoices and required documents via smartphone, receive same-day payment (365 days a year including weekends and holidays), and Paytner later collects the full invoice amount from the client. Charges a flat 10% fee with a ¥10,000 minimum and requires no credit check, interview, or subscription. Maximum credit limit scales from ¥500,000 to ¥3 million based on transaction history.
• Paytner Card (ペイトナーカード) A credit card designed specifically for freelancers that reduces Paytner's invoice factoring service fee from the standard 10% to 8%. Requires only identification documents for application, making it accessible to freelancers who may have difficulty qualifying for traditional credit cards. Designed to deepen customer engagement and provide ongoing value to active Paytner users.

Quantifiable outcome

• Same-day payment processing, including weekends and holidays — 365 days/year
• +3 more outcomes

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature1 record

Partnerships

Five partnerships are on record, tiered strategic, core and minor.

• UPSIDER CapitalstrategicTechnology or Integration · 29 January 2026UPSIDER Capital, a joint venture between UPSIDER and Mizuho Financial Group, provided its proprietary AI cash flow monitoring technology for Paytner's ¥2.7 billion syndicated loan arranged by Mizuho Bank. The AI system enables daily monitoring of funding conditions for real-time credit assessment of Paytner's borrowers.
• フリーランス協会 (Freelance Association)coreGTM or Marketing PartnerFeatured as a partner on Paytner's website. The Freelance Association (Freelance Japan) is a major industry organization representing freelance workers. Partnership serves as a community-based acquisition channel and endorsement for Paytner's freelancer-focused services.
• クリエイターエコノミー協会 (Creator Economy Association)coreGTM or Marketing PartnerFeatured as a partner on Paytner's website. The Creator Economy Association supports creators and digital content producers. Partnership likely involves co-marketing and community outreach to creative freelancers.
• セブン銀行 (Seven Bank)minorGTM or Marketing PartnerFeatured as a partner company on Paytner's website, likely for ATM/banking integration or co-marketing to reach the broader small business community.
• 第一生命 (Dai-ichi Life)minorGTM or Marketing PartnerFeatured as a partner company on Paytner's website. Dai-ichi Life is a major insurance company; partnership may involve cross-promotion of financial services to shared customer segments.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Ququmo (アクセルファクター / アクル): Ququmo/Ackle is a Japanese online factoring platform providing same-day invoice purchasing for SMBs and individuals — overlapping with Paytner on digital-first factoring, rapid payout, and consumer/SMB customer base.
• OLTA: OLTA is a leading Japanese cloud-based invoice factoring company serving SMBs and freelancers — directly competing with Paytner in the same invoice-factoring-for-freelancers category with similar AI-driven, online-first positioning.
• J-FEC (日本ファクタリング): A Japanese factoring service provider offering 2-party and 3-party factoring for SMBs and individuals; comparable in core product (invoice purchasing) and Japanese market positioning.
• Free Finance (フリーファイナンス): Free Finance operates a Japanese freelance-focused factoring brand; comparable in target user (freelancers), product type (invoice purchase), and fee-based revenue model.
• Labol (ラボル): Labol is a Japanese fintech focused on short-term financing (ファクタリング) for individuals and freelancers. Closely comparable to Paytner in target customer (personal/freelancer), product (invoice factoring), and online self-serve distribution.

Regional players

• Fundbox: Fundbox provides AI-driven working capital and invoice-based financing to SMBs in the US. Comparable in invoice-factoring/working-capital model and AI underwriting, but US-only geography.
• BlueVine: BlueVine is a US-based fintech offering invoice factoring and working capital lines to SMBs. Comparable product/technology (online, AI-driven invoice-based financing) but operating in a different geography than Paytner.

Broad incumbents

• UPSIDER: UPSIDER is a Japanese corporate card and financing platform; its UPSIDER Capital JV with Mizuho provides the AI cash flow monitoring used by Paytner. Comparable as a larger fintech player in revenue-based financing / corporate credit that overlaps with Paytner's risk-assessment space.
• freee Finance (フリー): freee is Japan's leading cloud accounting/HR/payroll platform serving freelancers and SMBs. Already a Paytner partner; represents a broad incumbent that could expand into financing and disintermediate Paytner.
• Money Forward Finance (マネーフォワード ケッサイ): Money Forward's financing arm extends the company's broad cloud accounting/HR platform into lending and factoring for SMBs. Already a Paytner partner; comparable as a larger, diversified fintech incumbent moving into Paytner's space.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/paytner_
• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds12 records

Investors37 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Paytner