GMO Payment Gateway

Basic Information

Stock Code
3769
Industry
Information and Communications Industry
Category Detail
Consumer & Business Finance
Prefecture
Tokyo
Establishment Year
March 1995
Listing Year
April 2005
Official Website
https://corp.gmo-pg.com/
TSE Information
TSE Information
Yahoo! Finance
Yahoo! Finance
Other Companies
Welnet, Billing System, GMO-GS, GMO-FG, ROBOT PAYMENT, Digital Garage, Transaction Media Networks, Net Stars, Net Protections Holdings, GMO

Overview

GMO Payment Gateway, founded in 1995, is a leading company in payment agency services in the information and communications industry, playing a key role in the GMO Internet Group with strengths in non-face-to-face payments.

Current Situation

GMO Payment Gateway recorded consolidated sales of approximately 41.7 billion yen and net profit of approximately 8.8 billion yen for the fiscal year ended September 2021. Its main businesses are credit card payment processing and utility bill payment agency services, which are also provided to public institutions such as the Japan Pension Service, NHK, and Tokyo Metropolitan Waterworks Bureau. It has partnered with Sumitomo Mitsui Card and Visa Worldwide Japan to expand its cashless payment platform using stera terminals. Following the 2017 unauthorized access incident, it has promoted security enhancements and governance improvements, focusing on improving the reliability of information management. The group has multiple subsidiaries, aiming to create synergies in finance and payment-related areas. In the medium to long term, it views the expansion of the payment market driven by digital transformation as a growth opportunity, continuing technology investments to improve the convenience of non-face-to-face payments and expand new services. From an ESG perspective, it focuses on safety measures and social responsibility, aiming for sustainable business operations. In 2025, it will include its subsidiary Enpay Co., Ltd. in consolidation, further advancing business expansion in the cashless sector.

Trivia

Interesting Facts

  • Serves as a core payment company within the GMO Internet Group.
  • Has long handled utility bill payments for Japan Pension Service and NHK.
  • Implemented major security enhancements following the large-scale personal information leak in 2017.
  • In partnership with Sumitomo Mitsui Card, leading the market for store cashless terminals.
  • Supports payment infrastructure for diverse e-commerce operators via API integrations.
  • stera terminals are highly evaluated for fast processing and adopted by many merchants.
  • Advancing business diversification through consolidation effects of GMO group subsidiaries.
  • Headquarters located in Shibuya Fclass, Shibuya-ku, Tokyo.
  • Compliant with international payment security standards such as PCI DSS.
  • Established stable transaction environment through deep capital and business ties with financial institutions.
  • Positions digitalization of payment market as a driver of innovation.
  • Actively participates in industry groups such as Japan Credit Association and JAMPA.
  • Achieved subsidiarization of business in childcare and education sectors in 2025.
  • Pioneering AI utilization in payment systems.
  • One of Japan's leading companies with strengths in credit risk management.

Hidden Connections

  • As a financial subsidiary of GMO Internet Group, provides multifaceted payment solutions.
  • Strengthened ties with Sumitomo Mitsui Card and Visa, building exclusive relationships with major card brands.
  • Absorbed Epsilon Co., Ltd., former Skymark subsidiary, to enhance technological capabilities.
  • Promoted internal security organization and governance enhancements following unauthorized access incident.
  • Built close transaction relationships with local governments through utility bill payment agency.
  • stera terminals collaborate with Sumitomo Mitsui Card's spin-off project.
  • Positioned as the center for payments and finance within the GMO Group.
  • Collaborates with major financial institutions on proprietary direct bank account payment services.

Future Outlook

Growth Drivers

  • Acceleration of cashless adoption and growing payment needs as social infrastructure
  • Diversification of non-face-to-face payment services and rising demands for convenience
  • Evolution of risk management technologies using AI and big data
  • New market development through digital transformation initiatives
  • Technical foundation expansion via strengthened collaborations with financial institutions
  • Widespread adoption of new payment services centered on direct bank account payments
  • Potential overseas expansion through expanded international brand partnerships
  • Customer retention through diversified merchant services and enhanced support
  • Improved social trust through regulatory compliance and governance strengthening
  • Growth in cashless terminal market and technological innovations

Strategic Goals

  • Consolidated sales of payment platform exceed 100 billion yen
  • Capture over 60% share of domestic utility bill payment market
  • Achieve over 90% fraud detection accuracy using AI
  • Raise direct bank account payment adoption rate to over 50%
  • Build merchant network exceeding 100,000 stores
  • Contribute to ESG metric improvements across the group
  • Launch over 10 new subsidiaries and businesses
  • Achieve full employee participation in security education programs
  • Initiate and expand services in overseas markets
  • Achieve over 90% cloud adoption rate for payment infrastructure

Business Segments

Payment Agency Services

Overview
Provides secure and fast non-face-to-face payment processing services for various industries.
Competitiveness
Reliability backed by advanced security technology and extensive merchant network
Customers
  • EC Operators
  • Retailers
  • Mail Order Companies
  • Financial Institutions
  • Logistics Companies
  • Service Providers
  • Public Organizations
  • Restaurants
  • IT Companies
  • Startups
  • Educational Institutions
  • Government Agencies
Products
  • Credit Card Payment Processing System
  • Utility Bill Payment Agency System
  • Cashless Payment Terminals
  • Credit Authorization Services
  • Fraud Detection Systems
  • Direct Bank Account Payment Platform
  • API Integration Services
  • Payment Risk Management Services
  • Merchant Management Systems
  • Payment Settlement Support Services

Financial System Solutions

Overview
Provides efficient and secure payment-related systems for financial institutions.
Competitiveness
Fusion of extensive payment know-how and cutting-edge technology
Customers
  • Banks
  • Securities Firms
  • Insurance Companies
  • Payment Service Providers
  • Fintech Companies
  • Payment-Related Ventures
Products
  • Payment Infrastructure Development Support
  • Credit Management Systems
  • Data Analysis Services
  • Risk Management Platforms

Cashless Terminal Provision

Overview
Provides diverse payment terminals and integrated systems for retailers.
Competitiveness
Collaboration with partner card brands and ease of use
Customers
  • Retail Stores
  • Restaurants
  • Service Industries
  • Convenience Store Chains
  • Event Operators
Products
  • stera Payment Terminals
  • Smartphone Payment Tools
  • Merchant Software
  • Operation Support Services

Merchant Support Services

Overview
Comprehensive support from payment implementation to operations for merchants.
Competitiveness
Attentive customer support and prompt response
Customers
  • Merchant Owners
  • Small and Medium Enterprises
  • Online Shop Operators
Products
  • Payment Consulting
  • Implementation Training Services
  • Troubleshooting Services

Data Security Measures

Overview
Provides the latest security measures to protect customer information.
Competitiveness
Specialized capabilities in preventing information leaks
Customers
  • All Clients
  • Financial Institutions
  • EC Platforms
Products
  • Vulnerability Assessment
  • Incident Response
  • Security Education Programs

Payment Infrastructure Development

Overview
Supports market innovation through development and provision of new payment technologies.
Competitiveness
Rapid deployment of advanced technologies
Customers
  • Payment Service Providers
  • Financial IT Companies
  • Government Agencies
Products
  • Payment Processing API
  • Cloud Payment Systems
  • Real-Time Payment Platforms

AI/Risk Management Solutions

Overview
Provides risk management systems utilizing AI technology.
Competitiveness
High-precision fraud detection capabilities
Customers
  • Payment Providers
  • Financial Regulators
  • Large Corporations
Products
  • Fraud Detection AI
  • Behavioral Analysis Tools
  • Risk Prediction Systems

API Integration and External System Integration

Overview
Promotes seamless payment integration with external providers.
Competitiveness
Flexible connectivity and technical responsiveness
Customers
  • IT Companies
  • E-commerce Operators
  • Fintech Companies
Products
  • Standard API Provision
  • System Customization
  • Cloud Integration

Education and Training Services

Overview
Provides education programs on payment operations.
Competitiveness
Practical and highly specialized training content
Customers
  • Merchant Staff
  • Internal Engineers
  • Partner Companies
Products
  • Payment Operation Training
  • Security Seminars
  • Implementation Support Programs

System Maintenance and Operation Services

Overview
Provides maintenance and operation services to support stable operation.
Competitiveness
High reliability and rapid response capabilities
Customers
  • Financial Institutions
  • EC Operators
  • Public Institutions
Products
  • System Monitoring
  • Trouble Response
  • Regular Maintenance

Payment Consulting

Overview
Proposes optimal payment strategies for management.
Competitiveness
Extensive industry knowledge and track record
Customers
  • New Entrants
  • Large Companies
  • Industry Associations
Products
  • Payment Strategy Development Support
  • Digitalization Support
  • Cost-Benefit Analysis

Merchant Network Management

Overview
Strengthens merchant collaboration to promote service expansion.
Competitiveness
Extensive merchant base and customer response capabilities
Customers
  • Retail Chains
  • Franchise Headquarters
  • Service Providers
Products
  • Merchant Management Systems
  • Campaign Support
  • Troubleshooting Centers

Competitive Advantage

Strengths

  • High market share in non-face-to-face payment services
  • Strong collaboration with GMO Internet Group
  • Extensive merchant and partnership network
  • Advanced security framework and incident response capabilities
  • Technological strength supporting diverse payment methods
  • Track record in services for public institutions
  • Flexible service provision tailored to customer needs
  • Advanced risk management systems
  • Partnerships with multinational payment brands
  • Business expansion through consolidated subsidiaries
  • Rapid technology development response
  • Strong technical foundation for API integration
  • Ongoing governance enhancement efforts
  • Sales expansion across diverse channels
  • Comprehensive customer support framework

Competitive Advantages

  • Unrivaled specialization in non-face-to-face payment services in Japan
  • Utilization of management resources through synergies across GMO Group
  • Secured large-scale projects in utility bill payments, establishing exclusive position
  • Brand power of stera cashless terminals and card company partnerships
  • Differentiation through practical implementation of advanced direct bank account payments
  • Utilization of extensive payment data for AI fraud detection technology
  • High customer satisfaction supported by support and operation services
  • Easy integration with other systems via advanced API platform
  • Improved reliability through sophisticated risk management framework
  • Flexible service deployment capabilities across multiple industries
  • High industry evaluation due to security enhancements and governance maturity
  • Business diversification and specialization strengthening via subsidiaries
  • Broad technology covering payment needs for both corporations and individuals
  • Investment and growth potential backed by stable financial base
  • Active participation and influence in setting industry standards

Threats

  • Intensifying competition in the cashless payment market
  • Risk of technological lag due to rapid IT advancements
  • Risk of declining social trust from information leaks or unauthorized access
  • Increased compliance costs from strengthened regulations
  • Price competition pressure from new entrants
  • Changes in payment traffic due to international situations
  • Expansion of direct payments from financial institutions and card companies' internal reforms
  • Decline in payment demand due to macroeconomic changes
  • Increasing sophistication of cyber attacks and security threats
  • Potential delays in adapting to changes in consumer payment behaviors
  • Challenges in securing development resources due to engineer shortages
  • Operational risks from complexities in subsidiary management

Innovations

2023: Expansion of Direct Bank Account Payment Services

Overview
Enhanced payment services directly linked to bank accounts, improving cash-like payment convenience.
Impact
Achieved increase in merchant adoption and improved customer satisfaction.

2022: stera Payment Terminal New Model Release

Overview
Launched multi-functional, high-speed processing cashless payment terminals.
Impact
Contributed to merchant payment efficiency and improved customer experience.

2021: Introduction of AI-Powered Fraud Detection System

Overview
Achieved advanced payment fraud detection using latest AI technology.
Impact
Successfully reduced payment risks and operating costs.

2025: Consolidation of New Subsidiary Enpay

Overview
Consolidated subsidiary specializing in cashless payments for education and childcare sectors.
Impact
Strengthened new market development and business expansion.

2024: API Integration Enhancement Platform Development

Overview
Renewed API infrastructure enabling flexible connections with external systems.
Impact
Increased integration cases with other companies' services, achieving business efficiency.

2020: Expansion of Cloud Payment Services

Overview
Introduced scalable payment processing systems based on cloud.
Impact
Achieved stable system operation and improved scalability.

2023: Enhancement of Security Personnel and Training Expansion

Overview
Promoted recruitment and training of security specialists to strengthen information leak prevention.
Impact
Strengthened internal controls and risk reduction.

2022: Expansion of New Card Brand Integrations

Overview
Expanded support for domestic and international multi-brand card payments, broadening service scope.
Impact
Addressed merchants' needs for payment diversification.

2024: Development of Cashless Payment Training Programs

Overview
Introduced online training programs for merchant staff.
Impact
Improved quality of payment operations and reduced troubles.

2021: Seamless Utility Bill Payment System Upgrade

Overview
Renewed payment platform for major public institutions, improving operability.
Impact
Achieved improved customer satisfaction and processing efficiency.

Sustainability

  • Continuous enhancement of information security and implementation of third-party audits
  • Management of sustainable IT equipment in-house and promotion of energy conservation
  • Ongoing company-wide security education programs
  • Environmental burden reduction through paperless initiatives
  • Community collaboration activities to promote cashless adoption
  • Thorough transparent information disclosure and governance strengthening
  • Promotion of diversity-respecting talent recruitment and development policies
  • Contribution to social infrastructure through stable payment services
  • Implementation of programs to promote employment of people with disabilities
  • Development of emergency response plans and training