Jobpay
Jobpay is a Tokyo-based Japanese fintech operating a B2B2C salary-advance service (JOBPAY) that lets employees withdraw earned wages from ATMs via the JOBPAY card, with employer companies paying for the workplace benefit and a complementary recruitment content service.
- Company typePrivate
- Founded2018
- HeadquartersTokyo, Japan
- Headcount—
- GTM typeB2B
- OfferingServices
Jobpay firmographics
Firmographics- Name
- Jobpay
- Legal name
- 株式会社JOBPAY
- Website
- https://jobpay.co.jp
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Short description
- Jobpay is a Tokyo-based Japanese fintech operating a B2B2C salary-advance service (JOBPAY) that lets employees withdraw earned wages from ATMs via the JOBPAY card, with employer companies paying for the workplace benefit and a complementary recruitment content service.
- Ownership category
- akta.pro rank
Jobpay industry classification
Industry- Product category
- Earned Wage Access / Salary Advance Services
- NAICS
- Payroll Services (541214)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Instant Payouts & Earned Wage Access (EWA) (FSAMAKAM)
- akta.pro secondary industries
- Pay Card Programs & Earned Wage Access (EWA) Administration (BPACAIAK), Embedded Payroll, Earned Wage Access & Benefits Finance (FSAGALAI), Payroll Cards & Salary Prepaid (FSAMANAE)
Keywords
Where Jobpay is headquartered
LocationHeadquarters
- HQ city
- Tokyo
- HQ country
- Japan
- HQ region
- Asia
Offices2 records
Markets served
Jobpay business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure
Revenue model
- Salary Advance Transaction Service: JOBPAY provides salary advance services where employees can access earned wages before payday. Since it's earned wages being withdrawn (not a loan), there is no interest charged. The company generates revenue through fees charged to employer clients for providing this employee benefit service.
Go-to-market motion1 record
Distribution channels1 record
Jobpay product offering
Product offeringCore offering
JOBPAY operates Japan's first salary advance (earned wage access) service that lets employees withdraw wages they have already earned from ATMs at stations and convenience stores before payday, using a dedicated JOBPAY card. The service is available 24/7, charges no interest (since funds represent earned wages rather than loans), and does not require users to hold a traditional salary bank account. The company partners with employer clients who offer the JOBPAY card to their workforce as an employee benefit.
Product overview
JOBPAY is a single-product platform offering Japan's first salary advance (early wage access) service, allowing workers to withdraw their earned salary from ATMs before payday using a dedicated JOBPAY card. The core product enables same-day access to wages with no interest, functioning 24/7 at stations and convenience stores. The company also offers a related job recruitment content service (求人コンテンツサービス) that complements the salary advance offering for enterprise clients. The service is built on a registered money transfer operator license and holds a business patent (Patent No. 6007303). The service was originally launched as 'キュリカ' in 2008 and rebranded to JOBPAY in February 2023.
Differentiator
Problem solved
Functional benefit
Products and services
- JOBPAY Salary Advance Service Japan's first salary advance (earned wage access) service that allows employees to withdraw earned salary from ATMs at stations and convenience stores before payday using the JOBPAY card. Operates 24/7, 365 days a year, with no interest charged since funds represent earned wages rather than a loan, and is available from the first day of employment. Offered to employer clients as a workplace employee benefit.
- JOBPAY Card (ジョブペイカード) The dedicated JOBPAY card that allows members to withdraw earned salary at ATMs at stations and convenience stores without needing to hold a traditional salary bank account. This is the first card-based mechanism in Japan enabling ATM access to earned wages without a salary bank account.
- Recruitment Content Service (求人コンテンツサービス) Job recruitment content service offered alongside the JOBPAY salary advance service to support employer clients with talent acquisition and retention efforts.
Companies that use Jobpay
Customer profileSegments2 records
Ideal customer profiles2 records
Jobpay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Jobpay partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Rakuten Bank (楽天銀行)coreBusiness partnership established in 2019 with Rakuten Bank for the salary advance service. Rakuten Bank is one of Japan's major internet banks and this partnership enables the JOBPAY service infrastructure.
Scale indicators2 records
Recent moves7 records
Expansion highlights5 records
Jobpay competitors and assessment
Company assessmentBroad incumbents
- freee: freee is a major Japanese cloud payroll and HR SaaS provider with deep SMB penetration; it could bundle EWA-like functionality alongside its payroll product, threatening Jobpay's standalone positioning.
- Money Forward: Money Forward is a leading Japanese cloud accounting and HR/payroll platform serving SMB and enterprise customers; its payroll stack is a natural integration point for EWA features and competes with Jobpay's B2B2C employer channel.
- Paylocity: Paylocity is a US cloud payroll/HR platform with embedded on-demand pay and financial-wellness features for employees; it is a comparable mid-market payroll incumbent with overlapping employee-benefit functionality.
- ADP: ADP is the world's largest payroll and HR services provider and has integrated EWA / on-demand pay capabilities into its platform, representing the incumbent payroll channel that could subsume standalone EWA players like Jobpay.
- Gusto: Gusto is a US SMB-focused payroll, HR, and benefits platform that has added earned-wage-access integrations, comparable to Jobpay's positioning as a workforce-benefit add-on sold to SMB/employer clients.
Direct peers
- Dave: Dave is a US fintech offering early pay access and banking tools to underbanked workers; its earned-wage-access mechanic and target user (salaried employees facing cash-flow gaps) align closely with JOBPAY's end-user persona.
- Earnin: Earnin is the largest US-based earned-wage-access app, providing early access to earned wages before payday; it is the closest functional and business-model peer to JOBPAY outside Japan.
- PayPay: PayPay (Ly Corporation) operates Japan's largest QR-payment wallet and has been actively expanding into 'PayPay Salary' / digital salary services, directly overlapping Jobpay's earned-wage-access value proposition and employer distribution in the Japanese market.
- DailyPay: DailyPay is a US-based EWA provider focused on employer-integrated earned-wage access via payroll system connections, closely mirroring JOBPAY's B2B2C employer-partnership distribution model.
- Even: Even is a US EWA provider integrated with employer payroll systems to give same-day access to earned wages; it is a direct category competitor to JOBPAY in the earned-wage-access product class.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Jobpay compliance and trust
Trust signalCompliance1 record
Jobpay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Jobpay leadership team
Management profileNumber of profiles
Profiles3 records
Jobpay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Jobpay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Jobpay
What does Jobpay do?
JOBPAY operates Japan's first salary advance (earned wage access) service that lets employees withdraw wages they have already earned from ATMs at stations and convenience stores before payday, using a dedicated JOBPAY card. The service is available 24/7, charges no interest (since funds represent earned wages rather than loans), and does not require users to hold a traditional salary bank account. The company partners with employer clients who offer the JOBPAY card to their workforce as an employee benefit.
Is Jobpay a public or private company?
Jobpay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Jobpay founded?
Jobpay was founded in 2018.
Where is Jobpay based?
Jobpay is headquartered in Tokyo, Japan, in the Asia region.
How does Jobpay make money?
One revenue line is on record: salary Advance Transaction Service.
Who are Jobpay's main competitors?
Broad incumbents on record are freee, Money Forward, Paylocity, ADP and Gusto. Direct peers are Dave, Earnin, PayPay, DailyPay and Even.
Does Jobpay have an API?
No public API is recorded for Jobpay.
What industry is Jobpay in?
Jobpay's product category is Earned Wage Access / Salary Advance Services. Its primary akta.pro industry code is FSAMAKAM, Instant Payouts & Earned Wage Access (EWA), with a secondary code of BPACAIAK, Pay Card Programs & Earned Wage Access (EWA) Administration. Its NAICS code is 541214 and its SIC code is 6199.