What TransferNet does

TransferNet (トランスファーネット株式会社) is a Japanese electronic payment collection agency service provider that has operated since August 2001, headquartered in the Hibiya Dai Building in Chiyoda-ku, Tokyo. The company offers a unified online payment processing platform that enables e-commerce site operators and online businesses to accept multiple payment methods through a single integration rather than building separate connections with each financial institution. Its core offering, the Payment Collection Agency Service (収納代行サービス), supports credit card payments across five brands, convenience store payments (both traditional payment slip and paperless), internet banking transfers, and ATM-based payments, with the company registered as Pay-easy collection institution number 58082. A related sub-product, e-JIBAI (58081), handles utility bill payment services.

The platform is built on Pay-easy national payment infrastructure with integrations extending across Japanese city banks, regional banks, credit unions, agricultural cooperatives, labor banks, and Japan Post Bank, providing consolidated payment information, automated payment matching, single-screen centralized management, and 24/7 payment availability. TransferNet operates as a subsidiary under Billing System Co., Ltd.'s "Money Chain Management" business model, with NTT DATA Corporation as a major shareholder providing strategic and technical backing. The company employs 1-10 people and maintains a lean operating structure.

Revenue is generated through transaction-based fees on processed payment volumes, with quote-based pricing negotiated through direct enterprise sales engagement from the Tokyo headquarters. The company serves EC site operators and online service providers as its primary customer segments, addressing pain points around fragmented payment infrastructure, multiple vendor contract management, and administrative overhead. With paid-in capital of 56.8 million yen and no disclosed revenue, TransferNet functions as a focused, niche player within Japan's broader payment processing landscape, leveraging its institutional shareholder backing and Pay-easy integration depth rather than independent scale.

Name

TransferNet

Legal name

トランスファーネット株式会社 (Transfer Net Corporation)

Website

https://transfernet.jp

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

Japanese payment collection agency service provider for e-commerce site operators, offering unified multi-method payment processing (credit cards, convenience store, internet banking, ATM) through Pay-easy infrastructure and Billing System/NTT DATA partnerships.

Ownership category

akta.pro rank

Product category

Online Payment Collection Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC)

akta.pro secondary industries

Payments Operations (ACH/Wire/RTGS, SWIFT, SEPA, Checks) (FSABALAB), Domestic Wire Transfer Processing (FSAMAHAA)

Keywords

• Online payment processing
• Payment collection agency
• Credit card processing
• Internet banking payments
• Convenience store payments

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, Infrastructure, Marketing or Sales

Revenue model

1. 収納代行サービス (Payment Collection Agency): TransferNet charges businesses for processing online payments through their platform. The company aggregates multiple payment methods (credit cards, convenience stores, bank transfers, ATM) and charges fees for each transaction processed. Revenue is generated through transaction fees based on payment volume processed for EC site operators.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

TransferNet operates as a payment collection agency (収納代行サービス) for e-commerce sites and online businesses in Japan, consolidating multiple payment methods — credit cards (5 brands), convenience store payments, payment slips, internet banking transfers, and ATM transfers — behind a single contract and unified management interface. The service integrates with an extensive network of Japanese financial institutions via the Pay-easy infrastructure, providing merchants with consolidated collection information, automated payment matching, and remittance of collected funds to their bank accounts while reducing administrative overhead and processing costs.

Product overview

TransferNet offers a unified payment collection agency service (収納代行サービス) as its core product, enabling e-commerce merchants to accept multiple payment methods through a single integration. The portfolio includes the main payment collection service and e-JIBAI (utility bill payment service) as distinct offerings. Supported payment methods comprise credit card payments (5 major brands), payment slips for convenience stores and financial institutions, paperless convenience store payments, internet banking transfers, and ATM transfers. The company provides connections to over 100 major city banks, regional banks, credit unions, agricultural cooperatives, and labor banks across Japan through the Pay-easy network, with the service supporting both individual and corporate accounts at participating financial institutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Payment Collection Agency Service (収納代行サービス / 58082) Outsourced payment collection agency service for Japanese EC site operators and online businesses that aggregates multiple online payment methods — credit cards (5 brands), convenience store payments (paper payment slip and paperless), internet banking transfers, and ATM transfers — behind a single contract and Pay-easy-connected financial institution network, and provides consolidated collection information, automated payment matching, and remittance of collected funds to the merchant's bank account via a single centralized dashboard.
• e-JIBAI (58081) Utility bill payment service under collection institution number 58081 that enables end users to pay various utility bills at supported Japanese financial institutions nationwide through the Pay-easy network.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• ビリングシステム株式会社 (Billing System Co., Ltd.)coreStrategic or Co-development PartnerBilling System is the parent company and primary business partner of TransferNet. The company operates under the 'Money Chain Management' business model established by Billing System, which provides comprehensive payment business solutions connecting corporate payment operations with financial institution functions.
• Pay-easy (ペイジー)coreTechnology or IntegrationPay-easy is the national payment infrastructure that TransferNet leverages for internet banking and ATM payment services. TransferNet is registered as collection institution number 58082 (収納代行サービス) and 58081 (e-JIBAI), enabling access to Pay-easy's network of financial institutions across Japan.
• Japanese Financial Institutions NetworkcoreTechnology or IntegrationTransferNet integrates with an extensive network of Japanese financial institutions including city banks (都銀), regional banks (地銀), credit unions (信用金庫), agricultural cooperatives (農協・漁協), labor banks (労働金庫), and Japan Post Bank (ゆうちょ銀行) to provide comprehensive payment collection services.

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Direct peers

• ROBOT PAYMENT: Japanese payment service provider specializing in online payment processing including credit cards, convenience store payments, and bank transfers for recurring billing and EC merchants. Competes with TransferNet in multi-method payment collection.
• GMO Payment Gateway: Japan's largest online payment processor serving thousands of EC merchants with credit card, convenience store, bank transfer, and ATM payment methods. Directly competes with TransferNet in the multi-method payment collection space for Japanese e-commerce.
• Epsilon (GMO Epsilon): Japanese payment processor within GMO group offering credit card, convenience store, and bank transfer payment services. Directly competes with TransferNet in the multi-method payment collection agency market for EC merchants.
• DG Financial Technology (formerly Veritrans): Major Japanese payment processor providing multi-method online payment services including credit cards, convenience store payments, and bank transfers. Competes directly with TransferNet in serving EC site operators with consolidated payment collection.
• SBPS (SoftBank Payment Service): Payment service provider within SoftBank group offering credit card, convenience store, and bank transfer payment processing for Japanese merchants. Directly comparable to TransferNet in the multi-method payment aggregation market.
• Paygent Corporation: Japanese payment processor providing credit card, convenience store, and bank transfer payment services to EC merchants. A direct peer offering similar multi-method payment collection agency services to TransferNet.
• Stripe Japan: Global payment platform with significant Japan presence offering online payment processing for Japanese merchants. A direct peer competing for the same EC site operator customer base as TransferNet.

Broad incumbents

• Digital Garage: Japanese fintech group operating payment processing (through DG Financial Technology subsidiary), marketing technology, and crypto assets. Broader incumbent in the same payment ecosystem as TransferNet with more diversified offerings.

Emerging players

• METAPS Payment (now REGAINE): Japanese payment service provider offering online payment processing solutions for e-commerce merchants. Competes with TransferNet in serving Japanese online businesses with multi-method payment collection.

Others

• Billing System Co., Ltd. Parent company of TransferNet, operating the Money Chain Management business model connecting corporate payment operations with financial institution functions. Provides the strategic platform and payment services infrastructure that TransferNet operates within.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 TransferNet