Payment Business

Under the concept of “Be Unique!”, LIFE CARD provides innovative and distinctive products and services that address diverse customer needs. Centered on credit cards, the Company offers a wide range of payment services, including prepaid cards. In addition to promoting new customer acquisition for its flagship AOYAMA Card, LIFE CARD actively develops partnerships with a broad variety of industries and business formats, such as co-branded cards designed to revitalize local shopping districts through embedded prepaid functions.

LIFE CARD’s “V Preca” (V Prepaid Card) requires no identity verification or screening, and is widely used not only by individual customers for online shopping and gaming, but also by corporations for campaigns and incentive programs. The Company has also launched V Preca that can be used in physical stores, enabling cardholders to make payments both online and at brick-and-mortar merchants bearing the Visa mark.

In addition, V Preca supports security functions such as card lock in the event of loss or theft of physical cards, as well as identity authentication services (3D Secure). These measures ensure a high level of protection against unauthorized transactions and fraudulent use.

BitCash enhances customer convenience by offering multiple purchasing channels, including convenience stores, drugstores, credit cards, direct banking, and code payments. Usable across various scenarios—such as online gaming, video streaming, and SNS/community platforms—BitCash allows customers to complete the purchase and payment process without providing personal information, thereby ensuring privacy. This feature appeals particularly to users who prefer not to enter credit card information online or who place a high priority on security.

AG Payment Service operates installment sales credit and Buy Now, Pay Later (BNPL) services, leveraging the expertise in merchant onboarding, screening, and account management accumulated since the early days of LIFE Corporation.

In installment sales credit, the Company actively expands its merchant network in the beauty and aesthetic medical sectors. For BNPL services, customers can make payments at convenience stores and via various electronic payment methods after receiving goods or services—without registering a credit card. The Company also provides 100% guarantee against uncollected receivables for merchants, enabling them to meet a wide range of customer payment needs with confidence.