ApideckTape
← Embedded Finance Index 2026/Vendor

JCB

Provider
Card Network

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 4 companies across 1 category.

jcb.com ↗Also analysed as a company — its own stack →
CategoriesCard Network
Rank#8 of 15 in Card Network
Buyers4 companies
HeadquartersTokyo, Japan
Founded1961

Claim this profile. Work at JCB? Verify your work email to unlock the full buyer list.

Founders & story · from JCB’s own dossier

JCB originated as a domestic Japanese credit card issuer and evolved into one of the world's major international payment card networks with over 154 million cardmembers globally. Its international subsidiary, JCB International Co., Ltd., has expanded acceptance infrastructure through partnerships with major payment processors including Stripe and Adyen. JCB Finance Ltd (UK), a joint venture with NatWest, provides asset-based lending to UK construction, agriculture, and industrial customers, representing a captive embedded finance arm for equipment financing.

Recent developments
  • 2023-11JCB International expanded its partnership with Stripe to enable JCB card acceptance for Stripe's e-commerce merchants in Europe, Singapore, and Hong Kong. source ↗
Full dossier: JCB’s own stack, layer by layer →
Who uses JCB
4 companies disclose JCB in their stack
CrediMaxShift4CellpointIDEMIA
Buyer mix · 4 of 4 classified
Infrastructure / Payments · 2Fintech / Card issuing & acquiring · 1Infrastructure / Card issuing · 1
MENA · 1US · 1EU · 1
What the disclosures say
CrediMax
“https://credimax.com.bh/ ; https://www.credimax.com.bh/index.php/en/e_payment_gateway ; https://credimax.com.bh/wp-content/uploads/2026/06/3585-CrediMax-Individual-Card-Terms-Conditions-Final-8.6.2026.pdf — conversion rates set by Visa/Mastercard/JCB/UnionPay”
View source · credimax.com.bh ↗
Shift4
“GDPR policy statement: 'Shift4 operates as an Independent Sales Organization (ISO) reselling American Express, Discover Card, JCB, MasterCard, and Visa credit card processing services under a West America Bank sponsorship.' Shift4 is PCI DSS-validated Visa TPA and Mastercard TPP.”
IDEMIA
“Card networks named across its own materials include Visa/Mastercard (EMV scheme certifications) and JCB (JCBDC pilot).”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent JCB? Claim this profile above to unlock your own full list.
Unlock the buyer map

See where JCB’s disclosed buyers are headquartered. Represent JCB? Claim this profile above instead — it unlocks your own map immediately.

No newsletter, no sharing your address.

What JCB runs on · from its own dossier
The third-party providers JCB itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose JCB.
PSP
StripeAdyen
Lending
JCB Finance
Full dossier with evidence for each layer →
Alternatives to JCB

Other Card Network providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Visa355 buyers →Mastercard314 buyers →American Express46 buyers →Verve24 buyers →Discover22 buyers →UnionPay13 buyers →Elo4 buyers →RuPay3 buyers →
Share this rank

An embeddable badge for JCB’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #8 of 15 in Card Network — Embedded Finance Index 2026
Copy-paste snippet
<a href="https://www.embeddedfinanceindex.com/vendors/jcb?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/jcb.svg"
       alt="Ranked #8 of 15 in Card Network — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/jcb/install" width="1" height="1" alt="" style="display:none">

JCB — frequently asked

Which companies use JCB?

4 companies are linked to JCB in the Embedded Finance Index 2026, through their own public disclosures or JCB's published customer list, including CrediMax, Shift4, Cellpoint and IDEMIA.

What does JCB do?

JCB is an embedded-finance provider in Card Network. It ranks #8 of 15 Card Network providers by linked companies.

What are the alternatives to JCB?

The most-named Card Network alternatives to JCB are Visa (355 buyers), Mastercard (314 buyers), American Express (46 buyers), Verve (24 buyers), Discover (22 buyers) and UnionPay (13 buyers).

Where is JCB headquartered?

JCB is founded in 1961 and headquartered in Tokyo, Japan.

Benchmark your own stack

Request an embedded finance strategy assessment

Get a read on where your own stack stands against JCB and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.

  • Your category, mappedHow your stack compares to JCB and the other buyers it serves.
  • Build vs. buyWhere a provider relationship would close a gap faster than building it.
  • A named analyst, not a form replyA short call to scope what's actually worth assessing for you.

No newsletter, no sharing your address. We use this to reach out about the assessment and nothing else.