Implements Visa's "Click to Pay" on payment platform

【Background and Summary】

According to Ministry of Economy, Trade and Industry 's "Market Survey Results on E-commerce in FY6", the size of the BtoC e-commerce market in Japan in 2024 will be 26.1 trillion yen, expanding from the previous year. EC ratio has risen to 9.8%, and online transactions continue to expand ^(*3).​
As the market expands, there is a need for both convenience and safety at payment, as well as stability in approval rates and optimization of the entire payment process. Input load and the complexity of the authentication process can be a factor in abandonment, and a decline in approval rates can directly lead to lost sales opportunities. The payment structure utilizing network tokens is becoming increasingly important as a foundation that not only improves stability but also contributes to stabilizing approval processes by ensuring transaction data consistency.
Visa's "Click to Pay" is part of the function of the Visa Acceptance Platform and is an EMVCo ^(*4) This is an online payment system based on the international standard specification "Secure Remote Commerce" formulated by the Secure Remote Commerce. Eliminate the need to re-enter your card number, expiration date, etc., and select your pre-registered card information to complete the payment for a seamless checkout.

• (*3) Ministry of Economy, Trade and Industry "We have compiled the results of a market survey on e-commerce in FY6" (published on August 26, 2025)
  URL：https://www.meti.go.jp/press/2025/08/20250826005/20250826005.html
• *4 An organization jointly operated by international card brands to promote technical specifications and standardization related to payment

[Regarding the implementation of Visa in "PG Multi-Payment Service "Click to Pay]

This function is provided as an option for Credit card payment ^(*5), and the optional fee is free of charge ^(*6). At this time, the "Link Type Plus" connection method is supported, and other methods are planned to be supported in the future.
The implementation of "Click to Pay" will reduce the burden of consumers' card information input and reduce purchase abandonment, not only on e-commerce sites they have used in the past, but also on e-commerce sites that have been used for the first time. In addition, the authentication flow based on standard specifications is used to stabilize the approval process.
As a PSP (payment processing company company) that connects to multiple acquirers, GMO-PG is designed to optimize authorization control, token management, and fraud detection across the board, regardless of a specific connection type. The transaction data structure, based on network tokens, has a high affinity with AI-powered fraud detection and authorization control logic, and is a design foundation that can be adapted to future automated trading environments. As a PSP that is responsible for the payment foundation with an annual processing volume of more than 22 trillion yen ^(*7), we are promoting the optimization of approval rates in the Japanese market in collaboration with Visa by utilizing the accumulated data and the knowledge we have cultivated. Stable approval rates are an important factor that is directly linked to maximizing sales opportunities for businesses.
Visa and GMO-PG will continue to help businesses maximize their sales opportunities by improving the payment experience and optimizing approval rates.

• *5 Debit cards and prepaid cards are also accepted.
• (*6) Credit card payment Fees will be charged as usual.
• *7 Consolidated figures as of the end of December 2025

【PG Multi-Payment Service】

Online Payment Service supports more than 30 different payment method, including Credit card payment, CVS Payment, and QR code payment. Depending on the business type and growth phase of the business, we provide a flexible payment foundation.
In addition, in addition to adopting a development method that is easy to design and implement based on OpenAPI specifications, it is equipped with high security and fraud detection functions to support online payment in a wide range of fields such as e-commerce, digital services, and BtoB transactions. At the same time, we are continuously developing documentation and reference environments to help developers get to the exact information they need.

[About Visa]

As a global leader in electronic payment, Visa connects consumers, businesses, financial institution and government agencies with payment transactions in more than 200 countries and territories. Visa's mission is to connect the world with the most innovative, convenient, reliable and secure payment networks that help individuals, businesses and economies thrive. We believe that an inclusive economy for everyone in the world will improve the lives of people around the world, and that access to the economy will lead to the future of payment. For more information, visit the Visa.com or www.visa.co.jp Japanese.

【GMO Payment Gateway】

We provide services based on payment that support online, cashless, DX, etc. The annual Transaction value exceeds 22 trillion yen, and Online Payment Service has been introduced to more than 150,000 merchants, including e-commerce businesses and public entity such as NHK and National Tax Agency.
As a leading company in the payment industry, Online Payment Service, payment services in the face-to-face area, buy now pay later BNPL (Buy Now Pay Later), financial institution BaaS Support to operating companies, and strategic investment and financing for overseas advanced FinTech companies, etc. payment finance We will lead social innovation through technology and contribute to the realization of a sustainable society and the progress and development of society. (As of the end of December 2025, consolidated figures)

【GMO Payment Gateway, Inc.】

GMO Payment Gateway, Inc. provides payment-related services that support the customer's online and cashless migration and digital transformation (DX). Annual transaction value exceeds 22 trillion yen and our online comprehensive payment services have been adopted by over 150,000 merchants such as EC operators and public institutions of NHK and National Tax Agency, etc.
As the leading company in the payment industry, we contribute to the advancement and realization of a sustainable society by driving social innovations using payment and financial technology through our services, such as online comprehensive payment service, payment services in the offline market, Buy Now Pay Later (BNPL), BaaS Support services to financial institutions and enterprises and strategic investment and lending to overseas leading-edge FinTech companies. (As of end-December 2025, consolidated figures)