What FinTech does

FinTech 株式会社 is a privately held Japanese company founded in April 2016 and headquartered in Toranomon, Minato-ku, Tokyo. The firm specializes in bridging Japanese merchants with Chinese digital payment ecosystems and consumers, operating three interrelated lines of business: WeChat Pay-specialized payment processing (ePay), a cross-border e-commerce platform within the WeChat mini-program (日本国家館 / Japan National Pavilion), and professional consulting for fintech and payment business development. Its customer base consists of Japanese retail stores, restaurants, hotels, e-commerce sites, and brands seeking to accept Chinese mobile payments or sell to Chinese consumers, alongside financial institutions and enterprises entering fintech.

The company's core technology is built around licensed acquirer integrations with WeChat Pay, Alipay, AlipayPlus, and UnionPay, combined with mini-program development capabilities within the WeChat ecosystem. ePay supports QR-code stickers, tablets, smartphones, and dedicated terminals, with features including real-time sales data management, multi-store hierarchical administration, and consolidated fund remittance. The Japan National Pavilion is a curated cross-border marketplace operated as a WeChat mini-program that bundles logistics coordination and WeChat-native marketing for Japanese brands reaching Chinese consumers. FinTech also publishes industry research, such as its 2022 "Bank 4.0 Era — China Digital Bank" report.

FinTech generates revenue through three streams: transaction fees on ePay payment processing, marketplace commissions from cross-border e-commerce sales, and professional services fees from fintech consulting engagements. Go-to-market is sales-led, executed through direct merchant outreach, a website inquiry form, and phone-based sales (03-6381-5869). The company holds regulatory credentials including credit card number handling contractor registration under Japan's Ministry of Economy, Trade and Industry, acquirer licenses for UnionPay/WeChat Pay/Alipay, and references ISO 27001 information security certification. Registered capital is 90 million JPY (approximately $600K), and ownership appears to be management-controlled with no disclosed institutional investors or external funding rounds.

Name

FinTech

Legal name

FinTech 株式会社

Website

https://fintech-jp.com

Company type

Private

Founded year

2016

Operating status

Operating

Short description

FinTech 株式会社 is a Tokyo-based Japanese company that provides WeChat Pay payment processing (ePay), a WeChat mini-program cross-border e-commerce platform (Japan National Pavilion), and fintech consulting, serving Japanese merchants seeking to accept Chinese digital payments or sell to Chinese consumers.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)

akta.pro secondary industry

Travel Merchant Acquiring & Payment Orchestration (PSPs, gateways) (THALAHAA)

Keywords

• WeChat Pay processing
• Cross-border e-commerce
• Payment processing services
• Fintech consulting services
• Chinese payment acceptance

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing (ePay): Revenue generated from WeChat Pay payment processing services for merchants. Merchants pay for payment transaction services with consolidated remittance provided by FinTech. Supports multiple payment methods including QR code stickers, tablets, smartphones, and dedicated terminals.
2. Cross-border E-commerce Platform Commission: Revenue from operating the Japan National Pavilion cross-border EC platform within WeChat mini-program, facilitating Japanese product sales to Chinese consumers with logistics support.
3. FinTech Consulting Services: Professional consulting services for financial and payment business development including strategy formulation, new service planning, design, and marketing support.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

FinTech Inc. provides licensed payment processing services for Japanese merchants to accept Chinese digital payment methods (WeChat Pay, Alipay, UnionPay, AlipayPlus) through its ePay payment system across POS, e-commerce, in-app, and WeChat mini-program channels. The company also operates the Japan National Pavilion (日本国家館), a cross-border e-commerce platform within the WeChat mini-program that enables Japanese brands to sell products to Chinese consumers, and delivers fintech consulting services covering business strategy, service planning, system development, and operational design for financial institutions and enterprises.

Product overview

FinTech Inc. offers a unified portfolio comprising the ePay payment system (WeChat Pay specialized processing) and the Japan National Pavilion cross-border EC platform on WeChat. The company also provides consulting services supporting FinTech business strategy, service planning, system development, and operations design for financial and payment businesses.

Differentiator

Problem solved

Functional benefit

Brands

• ePay: WeChat Pay specialized payment system supporting in-store, e-commerce, in-app, and WeChat mini-program payments.
• 日本国家館 (Japan National Pavilion)

Products and services

• ePay

Quantifiable outcome

• In 2024, financial regulators worldwide issued over $3.2 billion in AML fines for banking sector alone, highlighting regulatory compliance importance for payment service providers.

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered minor, core and major.

• Japan Credit Association - JDM Center (一般都信用購入あっせん協会 JDMセンター)minorStrategic or Co-development Partner · 21 November 2022Member of the merchant information exchange system operated by the Japan Credit Association. Participates in joint utilization of merchant information for credit transaction screening and consumer protection purposes under the Installment Sales Act.
• Tencent (中国テンセント社)coreStrategic or Co-development PartnerStrategic partnership with Tencent, operator of WeChat (世界最大級のメッセージアプリ), for WeChat Pay payment services and WeChat mini-program cross-border e-commerce platform (Japan National Pavilion). FinTech provides WeChat Pay acquiring services and operates the Japan National馆 within WeChat ecosystem.
• WeChat (微信)coreTechnology or IntegrationIntegration partnership for WeChat Pay payment acceptance and WeChat mini-program development. Enables ePay payment system to process WeChat Pay transactions across POS, e-commerce, in-app, and mini-program channels.
• Alipay (支付宝)coreTechnology or IntegrationLicensed Alipay acquirer providing Alipay payment acceptance services for merchants in Japan.
• AlipayPluscoreTechnology or IntegrationLicensed AlipayPlus acquirer enabling acceptance of various Asian payment methods beyond Alipay.
• China UnionPay (中国銀聯)coreTechnology or IntegrationLicensed UnionPay acquirer providing UnionPay card payment acceptance services for merchants in Japan.
• JETRO (日本貿易振興機構)majorStrategic or Co-development PartnerPartnership with JETRO for the Japan National Pavilion cross-border e-commerce initiative within WeChat, supporting Japanese product sales to Chinese consumers through coordinated promotional and trade facilitation activities.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Netstars: Tokyo-headquartered QR-code payment aggregator and PSP that processes WeChat Pay, Alipay, and other Asian wallets for Japanese merchants. It is the closest direct functional competitor to FinTech's ePay product in the Japanese market.

Regional players

• Tmall Global: Alibaba-operated cross-border e-commerce platform that helps Japanese brands sell to Chinese consumers, paralleling the Japan National Pavilion's cross-border EC mission. Comparable as a competing channel Japanese brands may use instead of WeChat-mini-program commerce.
• Alipay (Ant Group): The underlying Alipay wallet and merchant network operated by Ant Group, for which FinTech provides Japanese acquiring. Comparable as the scheme-side counterparty in the China-to-Japan payment flow; also a potential competitor if Alipay expands direct Japanese merchant acquisition.

Broad incumbents

• PayPay: Dominant QR-code payment platform in Japan operated by the SoftBank/Z Holdings group. Comparable on QR-based consumer payment acceptance and merchant acquiring, though its primary market is domestic Japanese consumers rather than Chinese tourist payments.
• Stripe Japan: Global payment infrastructure provider with an expanding Japan/APAC presence, including support for alternative payment methods. Comparable on payment orchestration and developer-grade APIs serving merchants and platforms operating in Japan.
• LINE Pay: Mobile payment service from the LINE messaging platform with broad Japanese user adoption. Comparable as a Japanese wallet-based payment service targeting consumers and merchants, though stronger on domestic use cases than inbound Chinese tourists.
• GMO Payment Gateway: Largest listed Japanese online payment processor supporting a broad suite of payment methods and merchant categories. Offers overlapping payment-processing capability to Japanese merchants but as part of a far wider product portfolio rather than a China-wallet focus.
• Adyen: Global enterprise PSP offering unified online, in-store, and marketplace payment processing with broad APM coverage including Asian wallets. Comparable on multi-rail payment orchestration supporting Japanese merchants and cross-border commerce.
• Veritrans (Digital Garage Financial Technology): Major Japanese online payment processor (now part of Digital Garage) providing comprehensive payment gateway services to Japanese merchants. Comparable on payment-orchestration breadth but operates across many payment types rather than specializing in Chinese wallets.
• SoftBank Payment Service (SBPS): Japan-based payment service provider handling multiple payment methods including cards and QR/wallet for enterprise merchants. Comparable to FinTech as a multi-rail processor with deeper financial backing from SoftBank.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

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 FinTech