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← Embedded Finance Index 2026/Countries/Japan

🇯🇵 Embedded finance in Japan

View 23 companies on the map →

23 companies headquartered in Japan are in the Embedded Finance Index. This page counts which embedded-finance layers they run, which providers they name and which licences they hold.

23
Companies analyzed
21 (91%)
Name at least one embedded-finance provider
11
Hold a licence issued in Japan
1
Significant or critical accounting-integration gap
Layer adoption

Which embedded-finance layers companies in Japan run

Companies that name at least one provider for the layer on a sourced page, out of 23.

Payments (PSP) · 70%
16
Accounts / BaaS · 35%
8
FX / payouts · 26%
6
Lending / BNPL · 26%
6
Card issuing · 22%
5
Open banking / data APIs · 22%
5
Payroll · 17%
4
Crypto / stablecoin · 13%
3
KYC / fraud · 4%
1
Insurance · 0%
0
Providers

The providers companies in Japan name most

Payments
6
3
2
1
1
PayPay QR
1
Accounts / BaaS
Rakuten Bank
1
PayPay Bank
1
LINE Pay EPI Taiwan
1
連加電子支付
1
LINE BK
1
Kasikorn Line
1
Card issuing
PayPay Card
1
LINE Pay
1
GMO-PG Processing Platform
1
Money Forward Business Card
1
Lending / BNPL
Rakuten Bank
1
PayPay
1
LINE BK
1
Kasikorn Line
1
JCB Finance
1
Open banking & data APIs
MoneyForward
1
NTT Communications
1
Yayoi
1
Sorimachi
1
Miroku Information Service
1
SBI Business Solutions
1
FX / payouts
NS Solutions
1
1
1
1
1
Sponsor banks
PayPay Bank
1
1
Taipei Fubon Bank
1
GMO Aozora Net Bank
1
Licences issued in Japan

11 companies hold at least one; a company can hold several kinds.

Bank / credit institution
5
Investment firm / crypto
2
Insurance
1
Accounting systems they connect to

Companies that list a connector for the system.

QuickBooks Online
2
Who they are
Fintech
8
Horizontal SaaS
4
Bank
3
Vertical SaaS
3
E-commerce
2
Marketplace
2
Infrastructure
1
Companies

Companies headquartered in Japan

AdastriaAsicsAtmophCelsysChatworkCoincheckfreeeGMO Payment GatewayHitachiJcbLINE PayMercariMoney ForwardMufgPayPayQbcRakutenSBI HoldingsSmartpaySonySony BankSumitomo Mitsui Financial
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