What Seven Payment Service does

Seven Payment Service is a Japanese fintech company operating as a wholly-owned subsidiary of Seven Bank Group, itself part of the Seven & i Holdings conglomerate. The company provides BtoC cash transfer and cash collection services that leverage Seven Bank's nationwide ATM network of more than 28,000 machines installed across Seven-Eleven stores, train stations, and commercial facilities. Its two core products are ATM受取 (ATM Receipt), which enables enterprises and municipal governments to disburse cash to individuals who can pick up funds at any Seven Bank ATM 24/7/365 without needing a bank account, and ATM集金 (ATM Collection), which uses a dedicated smartphone app to allow franchise stores, tenants, contractors, and delivery drivers to deposit cash directly into corporate accounts. The company was founded in 2018 and is headquartered in Marunouchi, Chiyoda-ku, Tokyo, with its CEO identified as 柏熊俊克 (Kashiwaguma Toshikatsu).

The underlying platform combines ATM-based cash dispensing with multi-channel recipient notifications (email, SMS, postal mail), QR code and confirmation-number authentication, and direct electronic money charging for transit IC cards (Suica, PASMO, ICOCA, etc.), nanaco, and Rakuten Edy. The service is ISO/IEC 27001:2022 and JIS Q 27001:2023 certified and operates under the Japanese Payment Services Act (資金決済法), with transfer funds protected through performance guarantee bonds held with Sumitomo Mitsui Banking Corporation and Seven Bank. Recent platform extensions include automated reminder emails, scheduled transfer reservations, 1-yen unit collection precision, API integration for enterprise automation, CSV bulk upload, and a LINE-based application workflow through partner Bot Express's GovTech Express service that has reached 350+ municipalities.

Seven Payment Service generates revenue from per-transaction fees on both ATM Receipt and ATM Collection flows, recurring monthly portal subscription fees, and one-time initial setup fees, with API connection pricing quoted on a custom basis. Its customer base spans more than 35 named enterprise logos across insurance, beverages, consulting, construction, automotive, logistics, real estate, airlines, retail, and digital marketing — including Asahi Beverages, AIG, Sony Sonpo, Daiichi Sankyo, NRI, Hitachi Construction Machinery, ANA, and Toyota Group distributor Honda Mobility Chubu — alongside 33 municipal governments that have adopted the ATM Receipt service for subsidy and benefit distribution as of May 2026. Go-to-market is primarily enterprise direct sales supported by the corporate website, downloadable materials, case studies, and PR through municipal partnership announcements.

Name

Seven Payment Service

Legal name

株式会社セブン・ペイメントサービス

Website

https://7ps.jp

Company type

Private

Founded year

2018

Operating status

Operating

Short description

Seven Payment Service is a Japanese fintech subsidiary of Seven Bank Group that provides BtoC cash transfer and collection services via Seven Bank's 28,000+ ATM network. It enables enterprises and municipalities to disburse funds to individuals without requiring recipient bank accounts.

Ownership category

akta.pro rank

Product category

Payment Services (ATM-based B2C Cash Transfer and Collection)

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

Cash Access & Cardless ATM Withdrawal Services (FSAMAOAJ)

akta.pro secondary industries

ATM / Cash Access Network Schemes (FSAMAAAH), Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)

Keywords

• ATM cash disbursement
• B2B payment services
• Bank-account-free transfers
• Municipal subsidy distribution
• ATM cash collection

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. ATM Receipt Transaction Fees: Per-transaction fees charged to enterprise customers for each cash transfer processed through the ATM receipt service.
2. ATM Collection Transaction Fees: Fees charged for each cash deposit collection made through the ATM collection service.
3. Monthly Service Fees: Monthly subscription fees for service access and portal site usage.
4. Initial Setup Fees: One-time fees for service implementation and configuration.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Seven Payment Service operates a BtoB payment platform that lets Japanese corporations and municipal governments send funds to individuals for cash pickup at any Seven Bank ATM nationwide, 24/7/365, without requiring the recipient to have a bank account. Its two core products are ATM Receipt (ATM受取), a business-to-individual cash disbursement service, and ATM Collection (ATM集金), a cash deposit service for franchisees, tenants, and contractors that uses a dedicated smartphone app to credit funds to corporate Seven Bank accounts via ATM.

Product overview

Seven Payment Service (株式会社セブン・ペイメントサービス) is a financial technology company providing BtoC fund transfer and cash collection services centered on Seven Bank ATMs across Japan. The company operates two core services: ATM受取 (ATM Receipt) - enabling businesses and municipalities to transfer funds to individuals for cash pickup at Seven Bank ATMs nationwide, 24/7/365 - and ATM集金 (ATM Collection) - allowing franchise stores, tenants, and contractors to deposit cash directly at Seven Bank ATMs. These services are offered as a unified platform with optional modules including cash and electronic money course options, 1-yen unit collection precision, reminder notifications, scheduled transfer reservations, and LINE integration for government applications. The company serves over 100 enterprise clients including major brands like Asahi Beverages, AIG, Sony Sompo, and JR East subsidiary companies.

Differentiator

Problem solved

Functional benefit

Products and services

• ATM Receipt (ATM受取) BtoC fund transfer service enabling businesses and local governments to send money to individuals who can receive cash at Seven Bank ATMs nationwide, 24 hours a day, 365 days a year, without requiring bank account information. Recipients authenticate via confirmation number and customer code. Supports cash pickup (Cash Course, up to 100,000 yen per transaction) and electronic money or transportation IC card charging (Electronic Money Course, up to 25,000 yen).
• ATM Collection (ATM集金) Cash collection service enabling franchise stores, tenants, and contractors to deposit sales proceeds directly at Seven Bank ATMs nationwide using a dedicated smartphone app, with funds credited to corporate Seven Bank accounts without requiring bank account setup or cash handling at corporate offices. Used by logistics, construction, retail, and franchise operations for centralized multi-location cash deposits.

Quantifiable outcome

• Municipal governments report 40% reduction in administrative workload for subsidy distribution
• +4 more outcomes

Named customers37 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Five partnerships are on record, tiered strategic, core and flagship.

• Scope Inc. (WalletCho Platform)strategicTechnology or Integration · 1 September 2021Scope developed WalletCho cashback platform that includes Seven Payment Service's ATM receipt as one of multiple cash delivery options alongside bank transfer and electronic money.
• Seven & i HoldingscoreOthersParent company of Seven Payment Service, providing corporate governance and brand affiliation with the Seven-Eleven and Seven Bank group of companies.
• Seven BankcoreTechnology or IntegrationProvides ATM infrastructure and banking services. Seven Bank operates the nationwide ATM network utilized by Seven Payment Service for cash transfer services. Part of the same corporate group.
• Bot Express Inc.flagshipStrategic or Co-development PartnerProvides GovTech Express LINE-based government service platform integrated with Seven Payment Service's ATM receipt for subsidy distribution to municipal residents. System integration enables LINE application combined with ATM cash pickup for government benefits.
• Municipal Governments (30+)coreOthersVarious Japanese municipalities utilize ATM receipt service for distributing subsidies and benefits to residents, including Kuwana City, Ichinomiya City, Kitaibaraki City, Matsubushi Town, Shiogama City, and Urayasu City.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• E-Net (IYG Hokkaido ATM Service): Operates one of Japan's major ATM networks (bank-affiliated ATMs in convenience stores and shopping centers). As a competing ATM network, it represents the principal alternative infrastructure for any cash-based disbursement service.
• SBI Remit: Provides cross-border and domestic remittance services, including cash pickup options. Competes with ATM Receipt for both consumer remittance and corporate-to-individual disbursement use cases where a bank account is not required.
• Seven Bank: Parent company operating the nationwide ATM network that powers Seven Payment Service's services. Also offers its own cash remittance and international money transfer services at ATMs, directly competing with ATM Receipt for certain use cases.
• Metaps Payment: Provides salary advance payment services to gig workers via ATM Receipt — both a customer and adjacent competitor in the salary-advance-for-unbanked space. Operates in the same niche of cash-based compensation to individuals without bank accounts.

Others

• Rakuten Edy: Electronic money platform integrated with Seven Payment Service as a disbursement destination (Electronic Money Course). Functions as both an enabling infrastructure partner and a competing cashless disbursement alternative for end consumers.

Broad incumbents

• PayPay: Dominant Japanese QR-code payment platform with 60M+ users. Competes with ATM Receipt for cashback, refund, and point redemption use cases by enabling direct digital wallet disbursement to consumers.
• LINE Pay: Cashless payment service within the LINE ecosystem. Competes for digital B2C disbursement use cases (cashback, refunds, government benefits) and integrates with Seven Payment Service via the Bot Express partnership for LINE-based government applications.

Emerging players

• Bot Express: Operates the GovTech Express LINE-based government services platform, deeply integrated with Seven Payment Service for benefit disbursement. A partner today, but as a platform owner could in principle disintermediate ATM Receipt by routing benefits through its own channels.
• Saison Personal Plus: Provides advance salary payment services for credit/HR use cases with ATM Receipt as one disbursement option. Overlaps with Seven Payment Service in the payroll-advance and unbanked-worker compensation segments.
• pring: Mobile wallet for peer-to-peer and merchant payments; appears as a Seven Payment Service customer and provides complementary digital disbursement options. Represents the emerging class of cashless alternatives competing for the same B2C disbursement use cases.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/sevenpaymentservice.com

Compliance4 records

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 Seven Payment Service