SBI FinTech Solutions

What SBI FinTech Solutions does

SBI FinTech Solutions Co., Ltd. (SBI FinTech Solutions株式会社, formerly SBI AXES株式会社, established 2011-04-04, renamed 2017-07-01) is a Tokyo-based private FinTech holding company that aggregates payment processing, cloud back-office, factoring, and international remittance services under wholly-owned operating subsidiaries. Its 74.24%-controlling shareholder is SBI Holdings, and the company was previously listed on the Korea Exchange KOSDAQ market until voluntary delisting on 2025-07-24.

The company operates through three principal subsidiaries: ZEUS (株式会社ゼウス), which serves as the payment-processing arm offering online credit/debit card processing, B2B credit card payment (Bizクレカ), bank-transfer payment (Biz口振), specialty payment terminals (Buddy, buddy for クリニック, おくすりPAY, StudilPay, ポップアップPAY), and BNPL (あと払い), with 14,000+ EC merchant sites; SBI Business Solutions (SBIビジネス・ソリューションズ株式会社), which runs the cloud back-office suite including 経費BANK (expense management with AI-OCR), 請求書QUICK (free-tier invoicing with 入金QUICK factoring add-on, fees 0.5%–3.8%), 承認TIME (workflow approvals), and MoneyLook BIZ (bank transaction aggregation across 1,500+ financial institutions, 600,000+ companies cumulatively); and SBI Cosmoney Co., Ltd. in Korea, a 90/10 JV with Coinplug established 2017-08-01 for international remittance with cumulative volume exceeding KRW 4 trillion across 12+ countries.

Revenue is generated through three primary streams: transaction-fee payment processing (percentage-of-volume plus monthly fees) at ZEUS; subscription-based SaaS (経費BANK from ¥980/month, freemium tier for 請求書QUICK, tiered pricing across back-office products) at SBI Business Solutions; and transaction-based factoring and remittance fees. Distribution is multi-channel: direct enterprise sales at ZEUS, partner-channel sales via regional banks and Shinkin banks under the 請求書QUICK Partner Program covering 11+ institutions and additional Shinkin banks, tax accountant and accounting-firm referrals (OBC 勘定奉行, TOMA, LECT, etc.), and platform integrations with EC-CUBE (platinum partner), Welcart, Next Engine, and B CART. The technology stack combines ISO 27001-certified and PCI DSS-compliant payment infrastructure, AI-OCR (upgraded to generative AI in October 2025 with the launch of Lens), and bank-account aggregation APIs; regulatory posture includes JIIMA 電帳法 certification, Privacy Mark, and money-lending registration. The company has divested non-core assets over time (SBI Remit transferred to SBI Holdings 2022-03-31, Business Search Technology divested November 2020) while expanding adjacencies such as EC lending (ECレンディング for おちゃのこネット, 2023) and factoring integration.

Name

SBI FinTech Solutions

Legal name

SBI FinTech Solutions株式会社

Website

https://sbi-finsol.co.jp

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

101–250 employees

Short description

SBI FinTech Solutions is a Tokyo-based FinTech holding company operating subsidiaries ZEUS (payment processing), SBI Business Solutions (cloud back-office: 経費BANK, 請求書QUICK, MoneyLook BIZ, 入金QUICK factoring), and SBI Cosmoney (Korea remittance), serving Japanese SMEs, EC merchants, and B2B enterprises through direct sales and regional-bank and accounting-firm partner channels. 74.24% owned by SBI Holdings; KOSDAQ-delisted July 2025.

Ownership category

akta.pro rank

Product category

FinTech Payment Processing and Cloud Back-Office SaaS

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Sales Financing (52222)

SIC

Finance Services (6199), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC), SME & Business Cross-Border Payments (B2B) (FSAMAIAB), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK), Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ), SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

Keywords

• Payment processing services
• Cloud back-office services
• International remittance
• Invoice management
• Expense management

Headquarters

HQ city

Shibuya

HQ country

Japan

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Services: ZEUS subsidiary provides payment gateway and processing services to EC merchants and B2B businesses. Revenue generated through transaction fees (percentage of payment volume) and monthly service fees. Services include credit card processing, online payments, terminal payments, BtoB payment solutions (Bizクレカ, Bizケッサイ), and specialty verticals (medical clinics, pharmacies, educational institutions).
2. Cloud Back-Office Services: SBI Business Solutions subsidiary provides subscription-based cloud services including expense management (経費BANK), invoice issuance (請求QUICK), workflow automation (承認TIME), and bank account aggregation (MoneyLook BIZ). Revenue is subscription-based with tiered pricing per user or flat monthly fees, plus transaction fees for payment processing features.
3. Online Factoring Services: 入金QUICK provides invoice factoring/factoring services enabling businesses to receive early payment on outstanding invoices. Revenue generated through factoring fees (0.5%~3.8% of transaction amount).
4. International Remittance Services: SBI Cosmoney subsidiary (Korea) provides international remittance services between Korea and multiple countries (Vietnam, Philippines, China, USA, Canada and others). Revenue from transaction fees on remittance amounts. (Note: SBIレミット Japan subsidiary was transferred to SBI Holdings in March 2022.)
5. EC Lending Services: Online lending services for e-commerce merchants (ECレンディング), providing financing based on sales data from EC platforms. Revenue from interest on loans extended to merchants.

Pricing tiers

Go-to-market motion3 records

Distribution channels8 records

Marketing channels6 records

Core offering

SBI FinTech Solutions delivers a portfolio of FinTech services through wholly-owned subsidiaries: ZEUS provides payment processing for EC merchants and B2B businesses (credit card, online, terminal, and B2B credit card payments); SBI Business Solutions offers cloud-based back-office SaaS including expense management (経費BANK), invoice issuance (請求QUICK), workflow approval (承認TIME), and bank account aggregation (MoneyLook BIZ); SBI Cosmoney operates international remittance from Korea; and AXES Payment serves network-marketing and mail-order payment processing.

Product overview

SBI FinTech Solutions is a comprehensive FinTech solutions provider operating a multi-product portfolio across payment processing, back-office support, and financial services. The company structure includes subsidiary brands: ゼウス (payment processing with over 14,000 EC merchants), SBIビジネス・ソリューションズ (cloud-based back-office services), SBI Cosmoney (international remittance from Korea), and AXES Payment (network marketing payments). Core products center on 経費BANK (expense management with AI-OCR), 請求QUICK (invoicing with integrated factoring), and MoneyLook BIZ (bank transaction aggregation for accounting). The products integrate with major e-commerce platforms (EC-CUBE, Welcart, NexTengine), accounting software (OBC 勘定奉行), corporate cards (Mitsui Sumitomo, UPSIDER), and banking systems. BtoB payment brand Bizケッサイ consolidates services like Bizクレカ and Biz口振. The architecture follows a platform-plus-specialized-modules model where base systems like 請求QUICK and 経費BANK offer optional add-ons including factoring, credit card processing, and AI-OCR capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• SBI FinTech Solutions: SBI FinTech Solutions株式会社の親ブランド。決済代行サービス、フィナンシャルソリューションサービス、バックオフィス支援サービス、アカウントアグリゲーションサービス、国際送金サービスを提供する総合FinTechソリューション企業。

Products and services

• ZEUS Payment Processing Services Comprehensive payment processing services for EC merchants and B2B businesses including online payment, terminal payment, BtoB credit card payment (Bizクレカ), BNPL, and various specialized payment solutions. Over 14,000 merchant sites as customers.
• 経費BANK (Keihi BANK) Cloud Expense Management Cloud-based expense management system with AI-OCR receipt scanning, electronic tax document storage compliance (電帳法), and integration with corporate cards and banking systems. Pricing starts from ¥980/month (excluding tax) per 5 IDs. Over 2,000 cumulative companies.
• 請求QUICK (Seikyu QUICK) Cloud Invoice Issuing Cloud-based invoice issuing system with free monthly plan. Features invoice issuance, factoring (入金QUICK), credit card payment requests, and Peppol e-invoice support. Subscriber count exceeded 6,500 companies as of January 2025. Credit card payment processing fee of 1.95%.
• MoneyLook BIZ Bank Account Aggregation Bank transaction automatic retrieval service connecting to 1,500+ financial institutions, enabling automated reconciliation and financial management for businesses. Cumulative implementations exceeded 600,000 companies as of June 2026. Free trial available (extended to 3 months in campaigns).
• 入金QUICK (Nyushukkin QUICK) Online Factoring Online factoring service (web-closed factoring) enabling businesses to receive early payment on outstanding invoices. Industry-leading competitive rates from 0.5% to 3.8% of transaction amount. Integrated within 請求QUICK platform.
• 承認TIME (Shonin TIME) Workflow Approval Cloud-based workflow approval system for expense and document approvals. Awarded No.1 in functionality satisfaction in 2023 surveys. Helps SMBs digitize approval workflows.
• SBI Cosmoney International Remittance International remittance service operating from South Korea, providing cross-border money transfer to 12+ countries including Vietnam, Philippines, China, USA, Canada. Cumulative remittance volume exceeded 4 trillion Korean Won. Self-service mobile app available 24/7.
• AXES Payment Network Marketing Payment Processing Payment processing services for network marketing and mail-order businesses with emphasis on security and support services. Includes PayPhare terminal service for network business and mail-order payment processing.
• ECレンディング (EC Lending) for E-commerce Merchants Online lending service for e-commerce merchants operating on platforms like おちゃのこネット (90,000+ e-commerce merchants). Provides financing of ¥500,000 to ¥10,000,000 based on platform sales data, with annual rates of 2.5-11.5% for corporations.
• 早期支払いサービス (Early Payment Service for Furusato Tax) Early payment service for regional businesses participating in the national furusato tax donation (ふるさと納税) program. Provides advances on donation payments at 1.2% fee through partnership with TrustBank's ふるさとチョイス platform to improve cash flow timing.

Quantifiable outcome

• MoneyLook BIZ adopted by 600,000+ companies
• +4 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration24 records

AI capability5 records

Feature6 records

Partnerships

16 partnerships are on record, tiered moderate, minor and core.

• 株式会社Dai (Dai Corporation)moderateTechnology or Integration · 11 April 2024Partnership with Dai Corporation (B CART operator) to provide B CART credit card payment integration (Bカートクレカ決済). ZEUS provides payment processing while Dai provides B2B EC platform for small wholesale businesses.
• SBI FinTech Solutions Korea株式会社 (Subsidiary)minorOthers · 7 April 2024Previously operated Korean subsidiary for international remittance services and IR support during KOSDAQ listing. Under liquidation after delisting.
• SBI VCトレード株式会社 (SBI VC Trade)moderateStrategic or Co-development Partner · 1 April 2024Strategic partnership for Japan's first cryptocurrency-based international remittance service. Leverages XRP cryptocurrency for Japan-Philippines corridor, utilizing on-demand liquidity technology for faster settlement.
• SBI FinTech Solutions Korea株式会社 (Subsidiary)minorOthers · 22 November 2022Korean subsidiary for IR support and Korean market operations. Under liquidation following July 2025 delisting from KOSDAQ market.
• 株式会社オービットビジネスコンサルタント (OBC)moderateTechnology or Integration · 13 January 2022API integration partnership between 経費BankⅡ expense management and OBC 勘定奉行クラウド accounting software series. Enables seamless data exchange for accounting workflow automation.
• 株式会社トラストバンク (TrustBank Corporation)coreStrategic or Co-development Partner · 12 April 2021SBI FinTech Solutions partnered with TrustBank (operator of ふるさとチョイス, Japan's largest hometown tax donation platform) to provide early payment services (早期払いサービス) for local government suppliers. The partnership enables regional businesses to receive early payment for hometown tax donation rewards, supporting regional economic sustainability.
• 株式会社トラストバンク (TrustBank Corporation)coreStrategic or Co-development Partner · 12 April 2021Strategic partnership for early payment services for hometown tax donation suppliers. TrustBank provides the platform (ふるさとチョイス) and network of local government suppliers; SBI FinTech Solutions provides financial technology for early payment processing.
• SBI FinTech Solutions Korea株式会社 (Subsidiary)minorOthers · 12 April 2021Korean subsidiary established during KOSDAQ listing period. Maintained IR activities and Korean business communication. Under liquidation after delisting. Scheduled to close Korean corporate website by October 31, 2026.
• SBI FinTech Solutions Korea株式会社 (Subsidiary)minorOthers · 12 April 2021Korean subsidiary established for KOSDAQ listing IR activities and Korean business communication. Scheduled for closure with Korean corporate website ending October 31, 2026.
• SBI FinTech Solutions Korea株式会社 (Subsidiary)minorOthers · 12 April 2021Korean subsidiary previously supporting international remittance JV (SBI Cosmoney) and KOSDAQ market investor relations. Under liquidation after company delisted from KOSDAQ market in July 2025.
• UnionPay InternationalmoderateStrategic or Co-development Partner · 7 April 2021Business partnership for international remittance services utilizing UnionPay International network. Expands international remittance coverage through UnionPay network infrastructure.
• 三井住友カード株式会社 (Sumitomo Mitsui Card Co., Ltd.)moderateTechnology or Integration · 27 January 2021API integration partnership for ビジネス Pay Control real-time corporate card management system. Enables expense management system to automatically import corporate card transaction data for automated expense reporting.
• SBI FinTech Solutions Korea株式会社 (Subsidiary)minorOthers · 1 January 2021Korean subsidiary handling international remittance JV (SBI Cosmoney) and KOSDAQ market IR activities. In liquidation following July 2025 delisting.
• Coinplug, Inc.coreStrategic or Co-development Partner · 20 July 2017Joint venture with Coinplug (10% ownership) to establish SBI Cosmoney Co., Ltd. in Korea for international remittance services. Coinplug provides cryptocurrency and blockchain expertise while SBI FinTech Solutions contributes remittance business experience. The JV was established to leverage Korea's 2017 foreign exchange regulation changes.
• 株式会社ブロードバンドセキュリティ (BroadBand Security, Inc.)moderateStrategic or Co-development Partner · 16 June 2014Capital and business alliance with BroadBand Security (BBSec) for IT security services. SBI AXES invested 262.5 million yen for 10.8% stake to provide EC security services including security diagnostics, consulting, and managed security services to EC merchants. BBSec was later listed on JASDAQ market.
• SBI AXES Korea Co., Ltd. (Subsidiary)coreOthers · 3 December 2012Korean subsidiary established for KOSDAQ listing IR activities and Korean market business support. Originally established as IR support and sales assistance entity for Korean market operations. The subsidiary was under liquidation as of 2026 after delisting.

Scale indicators11 records

Recent moves10 records

Expansion highlights7 records

Direct peers

• GMO Payment Gateway: Japan's leading online payment processor serving EC merchants with credit card, convenience store, and bank transfer payment services. Directly comparable to ZEUS in the payment processing business, with a larger merchant base and stronger enterprise positioning.
• DG Financial Technology (formerly Veritrans): Major Japanese payment processor providing online and offline payment solutions for merchants. Directly competes with ZEUS in payment processing, with strong enterprise relationships and broader product coverage.
• SoftBank Payment Service (SBPS): Payment processing subsidiary of SoftBank Group serving Japanese EC merchants and B2B businesses. Direct competitor to ZEUS with comparable payment gateway, terminal, and B2B payment offerings.
• freee: Cloud accounting and HR/payroll platform for Japanese SMBs with expense management, invoice, and bookkeeping features. Directly comparable to SBI Business Solutions' 経費BANK, 請求QUICK, and MoneyLook BIZ products in the cloud back-office space.
• Money Forward: Leading Japanese cloud accounting and personal finance management platform with bank account aggregation, expense management, and invoicing capabilities. Directly comparable to MoneyLook BIZ, 経費BANK, and 請求QUICK in the cloud back-office and aggregation space.

Broad incumbents

• Stripe Japan: Global payment infrastructure platform with growing presence in Japan. Competes with ZEUS in online payment processing for developers and EC merchants, but with broader international capabilities and developer-first positioning.
• PayPay (Z Holdings): Japan's largest mobile payment platform under Z Holdings/SoftBank/LINE Yahoo. Adjacent competitor with dominant QR payment share among consumers; less overlap with B2B-focused ZEUS but represents a major Japanese fintech force.
• Yayoi: Japan's largest accounting software provider for SMBs and tax accountants. Competes with SBI Business Solutions in the SME back-office and tax compliance space, with deeper tax accountant relationships.

Emerging players

• UPSIDER: Japanese corporate card and expense management platform targeting SMBs. Adjacent competitor to 経費BANK with API integrations to MoneyLook BIZ; emerging player with venture backing and rapid growth.

Regional players

• SmartBank: Japan-focused fintech company building a banking and financial super-app. Operates in the broader Japanese fintech space with consumer-focused payments and banking, with limited overlap to SBI FinTech Solutions' B2B focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/sbi-fintech-solutions

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries8 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments1 record

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

Frequently asked questions about SBI FinTech Solutions