Payment Business

Operated by AG Payment Service CO., LTD., this business provides installment credit and buy-now-pay-later (BNPL) settlement services. We pay merchants on behalf of customers at the time of purchase and later collect payments from customers in installments or lump sum, meeting demand for flexible payment solutions.

For e-commerce merchants, we offer our dedicated BNPL brand “Mirai Barai,” which enables safe and convenient post-delivery payment, even for customers without credit cards.

By assuming receivables management and collection functions, we help merchants expand sales without taking on collection risk. Through disciplined credit screening and optimized underwriting standards, we maintain low credit costs while delivering steady growth in balances and earnings, making this business a key contributor to Group profitability.

Provided primarily by BitCash Inc., a Group company, this business offers prepaid e-money payment services. We issue prepaid electronic money (such as BitCash), which can be purchased at convenience stores and used for payments across online games, digital content, and e-commerce platforms. The service enables users to make payments easily, safely, and conveniently without entering personal information, appealing to those who prefer not to use credit cards.

As transactions are settled using prepaid balances, the business does not involve credit extension and therefore carries zero default risk, allowing us to generate stable revenue without credit costs.

As of March 2026, we are further expanding services and market share through business succession initiatives.