GMO Internet Group develops comprehensive payment-related services and finance-related services GMO Payment Gateway, Inc. (TSE: Securities Code 3769, President & Chief Executive Officer: Issei Ainoura, hereinafter GMO-PG) financial institution “Payment by online direct debit which allows e-commerce payment by direct debit from the account We will start providing” from the end of September 2022.
“Online direct debit payment” allows the purchase price to be directly and immediately withdrawn from the consumer’s account by simply entering and authenticating account information when paying the consumer. By introducing this service, EC SMBC operators without an individual contract and connecting to each financial institution, Over 100 MUFG Bank, Mizuho Bank, The Bank of Yokohama, etc. 29, 2022).
This service is a comprehensive payment service provided by GMO-PG “PG Multi-Payment Service” In order to provide it as a payment method, e-commerce operators Credit card payment and buy now pay later In addition to the service of payment “GMO Payment After Delivery”, “Payment by direct debit online It is possible to introduce and manage collectively on e-commerce sites.
GMO-PG will continue to provide a payment method adapted to the diversification of consumer needs to companies that develop e-commerce and online services.

【Background and Summary】

The B2C EC market in Japan expanded to 19.2 trillion yen in 2020, and the EC ratio increased from 4.7% in 2015 to 8.0% ^(*1). While the ratio of Internet users reaches 83.4% ^{(*2) from 2020}, the use of e-commerce among the elderly, from young to old, will increase, and the payment mode needs in e-commerce are also expected to diversify. On the other hand, among financial institutions, the ownership rate of individual bank accounts in Japan in August 2021, 90.6% ^(*3) and 90% of the payment method used by many consumers. Payment services using financial institution accounts are possible.
In this context, GMO-PG is a payment method in CE by capturing and authenticating consumer account information from financial institutions, We will start offering “Online Direct Debit Payment” which can be debit payment of your account from the end of September 2022.
“Online direct debit payment” is a way to withdraw the purchase price directly and immediately from the consumer’s payment account balance, so that the money that likes his account in a wallet You can pay as a payment . Consumers who don’t have a credit card, don’t use it much, want to avoid overuse, or forget to pay can also easily use it in EC. It can also be used not only in EC but also in scenes like online services, digital content, subscription services etc.
In order for e-commerce operators to make payment directly and immediately from their accounts on e-commerce and online services, they concluded an individual contract with each financial institution, it was necessary to connect the system, but in using this service, without individually connecting the contract system with each financial institution, it is possible to provide payment by direct debit from the financial institution.
This service is a new payment service “PG Multi-Payment Service” to provide a payment method, operators EC Payment by credit card and “GMO Payment After Delivery”. It can be used in conjunction with an e-commerce payment method such as “Carrier payment”