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Pay.jp

Pay.jp — Japan payment gateway for online merchants supporting domestic and international credit cards with simple REST API.

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Our Verdict

Clean Stripe-style API for Japanese card acceptance, but misses key local methods bigger rivals cover.

Pros

  • Simple REST API for Japan cards
  • Supports international Visa/Mastercard
  • Clean docs with code samples
  • PCI-DSS scope minimized

Cons

  • Japan-only acquiring
  • Limited local methods vs GMO/SBPS
  • No PayPay or konbini natively
  • Smaller ecosystem than rivals
Best for: Small Japanese merchants wanting a clean REST API for card-only checkout Not for: Merchants needing PayPay, konbini, or carrier billing in Japan

When to Use Pay.jp

Good fit if you need

  • Accepting domestic and international cards for Japanese online merchants
  • Recurring subscription billing via Pay.jp REST API
  • Tokenizing card data for PCI-compliant Japanese checkout

Lock-in Assessment

Medium 3/5
Lock-in Score
3/5
Data Portability: partial_export

Pay.jp Pricing

Pricing Model
usage
Free Tier
No
Entry Price
Enterprise Available
No
Transparency Score

Beta — estimates may differ from actual pricing

1,000
1001K10K100K1M
10,000
1K10K100K1M10M

Estimated Monthly Cost

$25

Estimated Annual Cost

$300

Estimates are approximate and may not reflect current pricing. Always check the official pricing page.

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