AXES Payment

What AXES Payment does

AXES Payment (株式会社AXES Payment / AXES Payment Co., Ltd.) is a Tokyo-headquartered online payment service provider established on August 30, 1989, that has operated continuously for 35+ years. The company processes credit card, bank transfer, and six electronic-money settlement methods — Rakuten Edy, Chocom eMoney, BitCash, C-CHECK, Convenience Store Direct, and G-MONEY — through a single LinkPoint (リンク型) link-type integration and a unified 売上管理画面 (sales management dashboard) that aggregates cross-method reporting and merchant-side configuration. The platform is PCI DSS-compliant and removes merchants from card-data custody entirely, with 24/7 in-house fraud/transaction monitoring, IC-card physical access control, and tripartite network segregation. AXES Payment holds statutory registrations as an Electronic Payment Agency (Registration No. 関東財務局長(電代)第54号, granted 2019-12-09) and as a Credit Card Number Handling Contract Concluding Business Operator (No. 関東(ク)第136号, granted 2020-01-28), plus ISO/IEC 27001 (since 2005-05-19) and Privacy Mark (since 2004-06-22) certifications.

The revenue model combines per-transaction processing fees on credit card, bank transfer, and e-money settlements with one-time setup/opening fees, a ¥15,000+/month subscription for the LINE Official Account operation support service, a ¥440 refund administration fee, and recurring chargeback guarantee premiums. The company is sold 100% directly via an in-house 営業部 (sales department) and a free pre-screening consultation funnel, with merchant onboarding typically completing within one week. It serves SMB and mid-market merchants across 12+ verticals — e-commerce, digital content, subscription/membership, point-based sites, repeater sites, online games, MLM/network marketing, dating, paid horoscope, public-racing forecasts, sole proprietors, and overseas-facing sites — with named case-study customers including Digitalmonkey, Alivewn, Royal Grandess, and DAIYAMONDLIFE.

AXES Payment is a wholly-owned subsidiary of SBI FinTech Solutions Co., Ltd., within the broader SBI Group, providing access to group capital, banking partnerships (notably SBI Sumishin Net Bank, which enables near-real-time bank-transfer matching), and consolidated recruitment outsourcing. The company is led by Representative Director Chinen Tetsuya (知念 哲也), appointed June 18, 2020, succeeding Yamaguchi Tomohiro (who concurrently served as Managing Director of SBI FinTech Solutions). Capital is stated at 45,000,000 JPY and the company is operationally headquartered at Aoyama First Building 8F, 2-1-1 Shibuya, Shibuya-ku, Tokyo.

Name

AXES Payment

Legal name

株式会社AXES Payment (AXES Payment Co., Ltd.)

Website

https://axes-payment.co.jp

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

51–100 employees

Short description

AXES Payment (株式会社AXES Payment) is a Tokyo-based online payment service provider founded in 1989, offering credit card, bank transfer, and electronic-money settlement to Japanese SMB and mid-market merchants across 12+ verticals, and operating as a wholly-owned subsidiary of SBI FinTech Solutions within the SBI Group.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

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

akta.pro primary industry

Smart Routing, Cascading & Payment Optimization (FSAMACAJ)

akta.pro secondary industries

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Processor-Agnostic / White-Label Acquiring Platforms (Acquiring-as-a-Service) (FSAMABAI)

Keywords

• Online payment processing
• Credit card settlement
• Bank transfer payment
• Electronic money payment
• Payment service provider

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction-based payment processing fees: AXES Payment earns per-transaction processing fees on credit card, bank transfer, and electronic money settlements flowing through its platform; merchants' gross sales are collected by AXES Payment and remitted to merchants in aggregated batches. Pricing is quote-based and varies by service content, system requirements, and merchant profile.
2. One-time setup / opening fees (開設契約金・初期費用): Upon successful merchant screening, merchants pay a one-time setup / opening fee (initial cost / 開設契約金) invoiced after screening completes and before system connection.
3. LINE Official Account operation support subscription: Monthly recurring service fee for the LINE公式アカウント運用サポートサービス, priced from ¥15,000/month for both online store and physical store customers, covering initial setup/agency review, content creation, operations consulting, and technical support.
4. Refund administration fee: A ¥440 (tax-incl.) handling fee is charged to end users when AXES Payment issues a direct refund to them under its 電子決済等代行業 banking agency activity.
5. Chargeback guarantee fees (アクル partnership): Recurring guarantee premium paid by merchants to maintain AXES/アクル chargeback guarantee coverage; payout claims are reviewed monthly with guaranteed payments by end of following month.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

AXES Payment operates an online payment processing platform for Japanese merchants, bundling credit card settlement (VISA, Mastercard, AMEX, Diners), bank transfer payment, and six electronic money methods (Rakuten Edy, Chocom eMoney, BitCash, C-CHECK, Convenience Store Direct, G-MONEY) behind a single LinkPoint link-type interface. The company retains all cardholder data on behalf of merchants, removing them from PCI scope, and provides 12 optional add-on services (recurring billing, quick charge, usage-based billing, phone authentication, chargeback guarantee, etc.) unified through a web-based merchant sales management dashboard.

Product overview

AXES Payment (株式会社AXES Payment) operates a payment service provider (PSP) platform offering online payment processing to Japanese merchants since 1989. The platform is built around three core payment processing categories: credit card payment (クレジットカード決済) with LinkPoint link-type integration (LinkPoint(リンク型)), bank transfer payment (銀行振込決済) including the deposit entrust service (入金おまかせサービス) with optional ID/password issuance (入金おまかせ ID/パスワード発行サービス) and account transfer request form service (口座振替依頼書サービス), and electronic money payment (電子マネー決済) supporting six services: 楽天Edy, ちょコムeマネー, BitCash, C-CHECK, コンビニダイレクト, and G-MONEY. The core platform is extended by a suite of 12 optional add-on modules (オプションサービス): recurring billing (継続課金サービス), quick charge for repeat customers (クイックチャージ), usage-based billing (従量制課金サービス), phone number authentication (電話番号認証サービス), credit authorization (与信認証サービス), ID/password custody issuance (ID/パスワード預かり発行サービス), IVR/voice response (音声応答システム), CVV2/CVC2 security code verification (セキュリティコード), smartphone-optimized checkout (スマートフォン決済), payment page customization (決済ページカスタマイズ), payment cycle subdivision (入金サイクル細分化), and chargeback guarantee (チャージバック保証サービス, partnered with Akuru Inc.). The platform is complemented by a merchant sales management dashboard (売上管理画面) for unified reporting across all payment methods, 24/7 Japanese-language customer support, and a separate LINE official account operation support service (LINE公式アカウント運用サポートサービス). AXES Payment is registered as an electronic payment agency (電子決済等代行業者) and PCI DSS compliant.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Card Payment Service (クレジットカード決済) Core credit card payment processing service supporting international card brands VISA, Mastercard, AMEX, and Diners Club. Provides PCI DSS-compliant secure processing with LinkPoint link-type integration and smartphone-optimized checkout pages for Japanese online merchants.
• Bank Transfer Payment Service (銀行振込決済) Bank transfer payment service supporting transfers from Japan Post Bank/24,000+ post offices, 34,800+ financial institution branches, and 27,000+ convenience store ATMs. Includes automated reconciliation and unified sales management with credit card payments.
• Electronic Money Payment Service (電子マネー決済) Suite of electronic money payment methods covering prepaid (Rakuten Edy, BitCash, C-CHECK), wallet-type (Chocom eMoney), phone-number-authenticated (G-MONEY), and convenience store cash payment (Convenience Store Direct) options for Japanese online merchants.
• LINE Official Account Operation Support Service (LINE公式アカウント運用サポートサービス) Support service for setting up, registering, and operating LINE official accounts for merchants. Includes initial setup/agency review, content creation/updates, operational consulting, and dedicated technical phone/email support. Monthly plan starts at ¥15,000, available for both online and brick-and-mortar stores.

Quantifiable outcome

• Real-time credit-card authorization and settlement in approximately 5 seconds
• +3 more outcomes

Named customers4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core and secondary.

• アクル (Akuru Inc.)coreStrategic or Co-development PartnerCo-delivery partner for the チャージバック保証サービス. Together, AXES Payment and Akuru (i) propose fraud-prevention measures to merchants, (ii) provide a backend claim-submission web form, (iii) review monthly claim submissions, and (iv) pay out approved claims by the end of the following month. Merchants enroll via a co-branded inquiry form (akuru-inc.com/contact/inquiry_cbg_axes/) and the service is gated on holding an active AXES Payment credit-card processing contract.
• 株式会社アプラス (Aplus Co., Ltd.)secondaryImplementation/ SI/ Consulting PartnerService-provider partner for the 口座振替依頼書サービス (account-transfer request form service). Aplus acts as the 収納代行会社 (collection agent) handling physical form submission, request submission to financial institutions, debit-day execution, and aggregated settlement to the merchant. Enables near-universal coverage of Japanese banks and post offices.
• LINE Corporation (LINE株式会社)secondaryTechnology or IntegrationPlatform-side partner enabling AXES Payment's bundled LINE公式アカウント運用サポートサービス. AXES Payment offers initial setup/agency review, content creation, operations consulting, and technical support on top of LINE Official Account APIs for both online shops and brick-and-mortar stores at ¥15,000+/month. LINE Official Account is acknowledged as LINE Corporation's registered trademark.

Scale indicators7 records

Recent moves8 records

Expansion highlights6 records

Emerging players

• Stripe Japan: International PSP with a Japanese entity, providing credit card processing with developer-first APIs and SDKs. Partial overlap with AXES Payment's online credit card processing, but differentiated by global developer ecosystem and transparent published pricing.
• PayPal Japan: International digital wallet and PSP operating in Japan, with payment processing for online merchants. Partial overlap with AXES Payment's online credit card processing, particularly for cross-border merchants, but a different merchant-targeting approach.

Direct peers

• Paygent: Japanese PSP established as a joint venture between JCB and NTT Docomo, providing credit card and bank transfer processing for online merchants. Directly comparable in PSP service model and Japanese merchant focus.
• Epsilon (GMO Financial Gateway subsidiary): Japanese PSP offering credit card, bank transfer, convenience store, and electronic money processing for online merchants. Directly comparable to AXES Payment's multi-payment-method aggregation model.
• ROBOT PAYMENT: Japanese PSP focused on online subscription billing, recurring payments, and credit card processing. Directly comparable to AXES Payment's recurring billing, quick charge, and SMB merchant focus.
• Net Protections: Japanese PSP offering deferred payment and credit card processing for online merchants. Comparable to AXES Payment's online merchant focus, with particular overlap on subscription and recurring billing services.
• Veritrans (DG Financial Technology): Major Japanese PSP, a subsidiary of Digital Garage, offering credit card, bank transfer, and electronic money processing. Directly comparable to AXES Payment's multi-method aggregation model and merchant segments.
• GMO Payment Gateway: Largest Japanese online payment service provider, offering credit card, bank transfer, and electronic money processing for online merchants across many verticals. Directly comparable to AXES Payment's core PSP offering and customer segments, though at significantly larger scale.
• SBPS (SBI Payment Service): PSP also within the broader SBI Group, offering credit card and bank transfer processing for online merchants. Directly comparable as a Japanese PSP, and notable as a sibling entity within SBI Group alongside AXES Payment's parent.

Broad incumbents

• CyberSource (Visa subsidiary): Global payment management platform owned by Visa, providing fraud management, tokenization, and payment processing for enterprise merchants. Comparable as a credit-card-focused PSP, but operating at global enterprise scale rather than Japanese SMB/niche merchant focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat8 records

Key risks7 records

Key highlights7 records

Customer concentration

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 AXES Payment