JACCS

What JACCS does

JACCS Co., Ltd. (株式会社ジャックス) is a Tokyo-headquartered, publicly listed (TYO:8584) Japanese consumer-finance company and credit-card issuer, founded in 1954 and operating as a partly-owned subsidiary of Mitsubishi UFJ Financial Group (MUFG). The company runs a multi-product financial-services platform organized around three pillars: consumer credit cards (standard, Gold, Platinum, and 7,400+ co-branded variants issued across Visa, Mastercard, and JCB rails with Apple Pay, Google Pay/QUICPay, and contactless tokenization); installment and revolving personal loans (Mirajitsu Cardless from 3.9% APR for parenting households, Bridal Loan Prechante at fixed 6.5%, Education Loan, Renovation Loan, Dental Loan Dentcure, Auto Loan, and Shopping Credit WeBBy); and digital membership services (Intercom Club portal, JACCS mobile app, SPLIE QR-code cardless installment app with eKYC, JACCS Mall with 500+ merchants, Lovely Point / J-Depo loyalty, Net Borrowing cash advance, and J-Revo auto-revolving enrollment). The company also operates B2B merchant-acquiring, rent-guarantee, and membership-fee-guarantee services.

The business model is a consumer-finance take-rate model: interest income on personal and auto loans (APR 3.9%-18.00%), interchange and merchant fees on card transactions (1-payment, installment, revolving at APR up to 18.00%, cash advance at 18.00%), add-on rates on SPLIE QR installments (0.0%-0.5% monthly), and annual card fees (from ¥1,375 standard up to ¥22,000 Platinum). GTM is direct-to-consumer via digital self-service (app, Intercom Club, SPLIE) supported by co-branded card distribution through ~500 merchant partners, regional banks (e.g., Yahata Shinkin Bank), and travel, dental, bridal, education, and auto point-of-sale channels. International expansion is centered on ASEAN auto financing, with a 49% stake in Carsome Capital (Malaysia, April 2025) and a 49% stake in CarTimes Capital (Singapore, April 2026, ~¥1.5B / S$12.1M).

JACCS's overall posture is a defensive incumbent pursuing selective growth — the core Japanese consumer-finance book is mature and contracting (revenue and net income declined sequentially 2022-2026 per the provided financials), while management is layering regional diversification (ASEAN auto finance), product extensions (Solvvy home renovation, Visual Research rent-guarantee API), and yield-management (April 2026 APR hikes) onto the existing platform. Backed by MUFG for capital and regulatory credibility, the strategy trades volume contraction for unit-economics improvement and new-market optionality.

Name

JACCS

Legal name

株式会社ジャックス (JACCS Co., Ltd.)

Website

https://jaccs.co.jp

Company type

Private

Founded year

1954

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

JACCS is a publicly listed Japanese consumer-finance company and credit-card issuer, founded 1954 under the MUFG umbrella, offering Visa/Mastercard/JCB cards, personal and auto loans, and digital installment services to individual consumers across Japan, with growing auto-financing operations in ASEAN via Carsome and CarTimes partnerships.

Ownership category

akta.pro rank

Product category

Consumer Finance

NAICS

Credit Card Issuing (522210), Credit Card Issuing (52221)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

Keywords

• Consumer credit services
• Credit card issuance
• Personal installment loans
• Point-of-sale financing
• Automotive financing

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Card Transaction Fees and Interchange: JACCS earns interchange income on every credit card transaction processed through its network, including 1-payment, installment, bonus-payment, and revolving payment modes, across Visa, Mastercard, and JCB brands.
2. Loan Interest Income: The company generates interest income from auto loans, home improvement loans, education loans, dental loans, bridal loans, shopping credit, and cardless/carded loan products. Interest rates range from 3.9% to 18.00% APR depending on product and tier.
3. Installment and Revolving Credit Processing Fees: Revolving credit and installment plans (3+ installments) carry monthly rates of 1.50% (18.00% APR), generating fee income on outstanding balances. Credit card cash advance fees are 18.00% APR.
4. Merchant/Dealer Financing Partnerships: JACCS provides POS financing and auto financing solutions through affiliated merchants and dealer networks, earning origination fees and ongoing interest income from financed purchases.
5. Points and J-Depo Redemption Discounts: The Lovely Point loyalty system (200 JPY = 1 point, up to 100% bonus via Gold Time tier) and J-depo discount redemptions serve as customer retention tools, with redemption costs offset by interchange and merchant fee income.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

JACCS is a Japanese consumer finance company that issues Visa, Mastercard, and JCB credit cards and provides a suite of personal loans including auto, renovation, education, dental, bridal, shopping credit, and cardless personal loans. The company also operates the SPLIE smartphone-based QR-code installment payment service, a digital membership portal (Intercom Club), a mobile app, and an e-commerce mall (JACCS Mall), serving individual consumers in Japan and expanding into ASEAN automotive financing.

Product overview

JACCS (株式会社ジャックス) is a consumer finance company and credit card issuer operating under the MUFG (Mitsubishi UFJ Financial Group) umbrella. The company operates a multi-product financial ecosystem organized into three core pillars: (1) Consumer Credit Cards (Visa/Mastercard/JCB), spanning standard, Gold, Platinum, and co-branded variants including Gold Time, Acrux (student), R-style (revolving-only), H-D Card (Harley-Davidson), JA-SS, and 70+ partner co-branded cards; (2) Loan Products covering auto loans, home renovation loans, education loans, dental loans, bridal loans, shopping credit (WeBBy), and cardless personal loans (Mirajitsu Cardless for child-rearing families and general salary earners; Premier Bijou); and (3) Digital & Membership Services including the SPLIE QR-code cardless installment app, Intercom Club web portal, JACCS App (mobile), JACCS Mall shopping portal, Lovely Point loyalty program, J-Depo statement credits, J's Concierge privileges, Net Borrowing, J-Revo automatic revolving enrollment, J-Revo Change post-purchase conversion, and travel/insurance services. Corporate-facing services include merchant payment processing, rent guarantee (enhanced by Visual Research API integration as of 2026), and membership fee guarantee. JACCS also integrates with Apple Pay, Google Pay (QUICPay), and contactless payment terminals from all three international card networks. The company is expanding internationally with ASEAN market entry via strategic partnerships in Singapore and Malaysia.

Differentiator

Problem solved

Functional benefit

Brands

• Gold Time: Gold card with annual fee conditions, airport lounge access, and enhanced point benefits
• Mirajitsu Cardless (ミラジツカードレス)
• SPLIE (スプリ)
• JACCS Mall (ジャックスモール)
• Intercom Club (インターカムクラブ)
• Lovely Point (ラブリィポイント)

Products and services

• JACCS Credit Cards (Visa / Mastercard / JCB) Primary JACCS credit cards issued under Visa, Mastercard, and JCB brands, spanning standard, gold, platinum, and co-branded variants. Support installment payments, revolving credit, overseas usage, and contactless (touch) payments via Apple Pay and Google Pay. Target individual Japanese consumers across multiple life stages.
• Gold Time Card Premium gold-level credit card targeting affluent Japanese consumers. Features automated point redemption, up to 4x points on dining/installment/revolving purchases, complimentary domestic and Hawaii airport lounge access, travel insurance up to ¥30 million, and card theft insurance. First-year annual fee waived; subsequent years free with 5+ annual transactions (¥5,500 otherwise).
• JACCS Card Platinum Top-tier platinum credit card offering the highest level of service within JACCS's consumer card range. Includes premium concierge services, extensive travel and lifestyle privileges, and high credit limits. Annual fee ¥22,000 (tax included).
• JACCS Card Acrux (Student Card) Student-exclusive credit card with fee waiver for the first 5 years and double point earnings. Designed for first-time cardholders aged 18+. Comes with overseas travel insurance. After 5 years, standard annual fee of ¥1,375 applies.
• R-style Card (Revolving-only Card) Revolving-payment-only credit card with favorable fee rates and double point earnings. All charges are billed as revolving payments by default. Annual fee waived first year; conditional waiver in subsequent years.
• Mirajitsu Cardless (Personal Loan) Cardless personal loan targeting households with children and general salaried workers. Two tracks: (1) Child-rearing Support Course at 3.9%-4.8% APR for families with children, (2) Career Step-Up Course at 4.2%-9.6% APR for other employed adults. Maximum loan limit ¥5 million. Fully paperless and cardless application via web.
• Auto Loan Vehicle financing for new and used cars offered at partner dealerships in Japan. Features fast same-day credit decision, no need for vehicle purchase contracts or bank visits, and flexible payment plans including installment, step-up, step-down, skip payment, and partial prepayment options. Also available as auto lease with insurance, maintenance, inspection, and tax included in monthly payments.
• Renovation Loan Home improvement and renovation loan covering exterior walls, roofs, solar panels, energy storage batteries, kitchens, bathrooms, additions, and seismic reinforcement. Offers fixed and variable rate options. Web-based pre-screening available 24/7, with final credit decision after visiting a partner contractor.
• Education Loan Tuition-financing loan for higher education. JACCS pays the school directly and the borrower repays in installments. Available at 700+ partner universities and vocational schools. Features interest-only payments during school enrollment and up to 6 months post-graduation deferral. 100% web application process.
• Dental Loan Dentcure Specialized medical loan for high-cost dental treatments including implants and orthodontics. Maximum ¥5 million, repayment periods up to 10 years. Application via patient's own smartphone with 30-second credit decision. 0.0% promotional rates available at partner clinics.
• Bridal Loan Prechante Specialized loan for wedding and reception expenses. Fixed interest rate of 6.5% APR, loan amounts from ¥100,000 to ¥5 million, repayment periods up to 84 months (7 years). Available at 400+ partner wedding venues in Japan and overseas. Application can be made 6 months before the wedding date.
• Shopping Credit / WeBBy Installment credit service for retail purchases, available both at physical partner stores and online. WeBBy is the fully web-based variant enabling paperless applications, 24/7 availability, and same-day credit decisions for consumer goods. Supports skip payment, bonus payment, and long-tenor installment plans.
• SPLIE (QR-code Installment Payment) QR code-based instant cardless installment payment service for physical retail stores. Smartphone-only; no physical card required. Supports split payments up to 99 installments with 0.0%-0.5% monthly add-on rate. Earns Lovely Point redeemable as J-Depo discounts or converted to d Point / Rakuten Point. Onboarding via phone number verification and biometric (facial recognition) eKYC.
• Rent Guarantee Service Guarantee service for residential landlords and property management companies, covering tenant default risk. JACCS pays the landlord the guaranteed rent even if the tenant defaults, then pursues recovery from the tenant. Enhanced in 2026 with API integration with Visual Research for seamless operational workflows. Available through partner real estate management platforms.
• Merchant Payment Services Suite of merchant-facing payment acceptance services including credit/debit card processing, code payment (バーコード決済), electronic money, house brand QR payments, SPLIE merchant enrollment, shopping credit installment processing, auto loan dealer financing, renovation loan referral, education loan school enrollment, and dental loan clinic enrollment. Also includes collection agency services (口座振替, internet direct debit, Pay-easy, convenience store payment collection).
• Membership Fee Guarantee Service Guarantee service for membership-based organizations (clubs, gyms, subscription services) to cover bad debt from member defaults. Protects organizational revenue while enabling members to pay in installments.
• H-D Card (Harley-Davidson Co-branded Card) Co-branded credit card for Harley-Davidson motorcycle enthusiasts and owners. Offers up to 3.4% point rewards on purchases, roadside assistance, and exclusive Harley-Davidson merchandise benefits. Available in standard and platinum tiers.
• JA-SS Credit Card Co-branded credit card with JA-SS (Japan Agricultural Co-operatives fuel stations). Offers up to ¥10/liter discount on up to 200L of fuel monthly, plus additional benefits at JA-SS locations. Annual fee reform effective April 2027.
• Andromeda Card Mastercard co-branded card optimized for Google Pay usage. Offers domestic travel insurance and streamlined digital payment experience.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Carsome Group Inc. (Malaysia)coreStrategic or Co-development Partner · 8 April 2026JACCS, Carsome Group, and CarTimes Group formalized a trilateral strategic auto financing partnership in Singapore in April 2026, building on JACCS's 49% stake acquisitions in both Malaysia's Carsome Capital and Singapore's CarTimes Capital. The collaboration aims to strengthen financing capabilities in Southeast Asia's automotive market while maintaining credit standards aligned with Singapore's regulatory environment.
• CarTimes Capital Pte. Ltd. (CarTimes Group, Singapore)coreStrategic or Co-development Partner · 7 April 2026JACCS completed its acquisition of a 49% equity stake in Singapore's CarTimes Capital on April 7, 2026 at Marina Bay Sands. The acquisition valued at approximately 1.5 billion yen (S$12.1 million) marks JACCS's entry into Singapore as its sixth ASEAN market. JACCS and Carsome formalized a strategic auto financing partnership aimed at strengthening financing capabilities in Southeast Asia's automotive market, focusing on structured financing for consumers and dealers.
• Carsome Capital (Carsome Group, Malaysia)coreStrategic or Co-development Partner · 1 April 2025JACCS previously acquired a 49% stake in Malaysia's Carsome Capital in April 2025, marking its entry into its fifth ASEAN market. This investment was the first in Carsome's automotive finance operations and was followed by the Singapore expansion.
• Petronas AutoExpertminorStrategic or Co-development Partner · 1 January 2025Carsome Group highlighted a strategic partnership with Petronas AutoExpert as part of its strengthened ecosystem partnerships in Q1 2025 earnings disclosures.
• Football Association of Malaysia (FAM)minorGTM or Marketing Partner · 1 January 2025Carsome Group listed a strategic partnership with the Football Association of Malaysia among its ecosystem strengthening initiatives disclosed in Q1 2025.
• Yahata Shinkin Bank (八幡信用金庫)minorChannel Partner/ Reseller/ DistributorJACCS partnered with Yahata Shinkin Bank in May 2026 to offer guaranteed loan products, specifically a 'Free Loan for Mortgage Borrowers,' expanding its reach through regional banking channel.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Mitsubishi UFJ Nicos Co., Ltd. Sister MUFG-group credit card issuer. Both share the MUFG ownership structure, issue Visa/Mastercard/JCB cards, and run co-brand card portfolios across Japan. Closest structural peer and key competitor within the same parent group.
• Sumitomo Mitsui Card Company (SMCC): One of Japan's largest credit card issuers under SMFG. Direct head-to-head competitor in standard/gold/platinum consumer cards, co-brand cards, and revolving/installment credit, with comparable scale and product breadth.
• Aeon Financial Service Co., Ltd. Provides consumer credit cards, shopping credit, and BNPL across Aeon retail and partners. Comparable to JACCS's co-brand distribution model and SPLIE-style POS installment.
• Rakuten Card Co., Ltd. Top Japanese credit card issuer, integrated with Rakuten Pay and Rakuten Points. Comparable scale, multi-tier card offerings, and a similar loyalty-driven consumer engagement model.
• Credit Saison Co., Ltd. Credit card issuer with a co-brand card portfolio and consumer finance products. Closely comparable in card program architecture, shopping installment, and revolving offerings.
• Orico Corporation: Major Japanese consumer finance and credit card company. Directly comparable personal loan, auto loan, card loan, and shopping credit product set; similar public-company scale and reporting cadence.
• NTT TC Energy (formerly NTT Finance): Consumer credit, card, leasing, and BPO under NTT group. Compares to JACCS in card issuance and installment payment processing for major Japanese corporates.
• Toyota Financial Services Corporation: Auto-financing and consumer credit arm of Toyota. Direct peer for JACCS's auto loan and dealer-financing business, including the same dealer POS credit origination model.

Regional players

• Carsome Capital (Carsome Group): ASEAN used-car auto financing partner in which JACCS holds a 49% stake. Operates the same dealer-facing consumer auto loan flow that JACCS is now extending into Singapore via CarTimes Capital.

Emerging players

• PayPay (PayPay Card / SoftBank BB SoftBank Payment Service): Mobile-first credit card and BNPL player behind PayPay super-app. Closely comparable technology architecture (mobile app, QR payments, loyalty) and a fast-growing challenger to incumbent card issuers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xtwitter.com/jaccsmiratane
• YouTubeyoutube.com/channel/UCCqHVvm3SXYAZF9CIeN-ndQ
• Facebookfacebook.com/jaccscard
• LinkedInlinkedin.com/company/jaccs-co-ltd

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments1 record

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

Frequently asked questions about JACCS