{
  "schema_version": "1.0",
  "slug": "financial-licenses/payment-license-stack",
  "source_path": "financial-licenses/payment-license-stack.md",
  "url": "https://finwiki.zksc.io/ja/financial-licenses/payment-license-stack/",
  "html_url": "https://finwiki.zksc.io/ja/financial-licenses/payment-license-stack/",
  "alternate_html_urls": {
    "ja": "https://finwiki.zksc.io/ja/financial-licenses/payment-license-stack/",
    "en": "https://finwiki.zksc.io/en/financial-licenses/payment-license-stack/"
  },
  "github_url": "https://github.com/jasonhnd/finwiki/blob/main/financial-licenses/payment-license-stack.md",
  "raw_markdown_url": "https://finwiki.zksc.io/financial-licenses/payment-license-stack.md",
  "domain": "financial-licenses",
  "title": "Japan payment license stack",
  "entry_type": "wiki_entry",
  "frontmatter": {
    "title": "Japan payment license stack",
    "aliases": [
      "Japan payment license stack",
      "payment license stack Japan",
      "日本 決済 license stack"
    ],
    "domain": "financial-licenses",
    "type": null,
    "created": "2026-05-22",
    "last_updated": "2026-07-29",
    "last_tended": "2026-07-29",
    "review_by": "2026-10-27",
    "confidence": "likely",
    "tags": [
      "JapanFG",
      "legal",
      "payments",
      "funds-transfer",
      "prepaid",
      "EPI",
      "bank-api"
    ],
    "status": "active",
    "canonical_anchor": null,
    "related": [],
    "note": null,
    "sources": [
      "https://laws.e-gov.go.jp/law/421AC0000000059",
      "https://www.fsa.go.jp/menkyo/menkyo.html",
      "https://www.fsa.go.jp/common/shinsei/shikinidou.html",
      "https://www.fsa.go.jp/menkyo/menkyoj/shikin_idou.pdf",
      "https://www.fsa.go.jp/policy/prepaid/index.html",
      "https://www.fsa.go.jp/menkyo/menkyoj/daisan.pdf",
      "https://www.fsa.go.jp/news/27/sonota/20151214-2.html",
      "https://www.fsa.go.jp/access/r2/213.html",
      "https://www.fsa.go.jp/policy/virtual_currency02/",
      "https://www.fsa.go.jp/common/shinsei/torihiki.html",
      "https://www.fsa.go.jp/common/shinsei/dendai/dentori.html",
      "https://www.meti.go.jp/policy/economy/consumer/credit/115tourokujigyousyaitiran.html"
    ]
  },
  "summary": "Japan payment products can combine several public-regulatory categories: funds transfer, prepaid payment instruments, electronic payment agency, electronic payment instruments, electronic payment handling, credit / installment sales, card acquiring, and bank-account direct payment. A wallet, checkou",
  "headings": [
    "Japan payment license stack",
    "Overview",
    "License Stack Matrix",
    "Funds Transfer Route",
    "Prepaid Payment Instrument Route",
    "Electronic Payment Instrument Route",
    "Product-Layer Examples",
    "Public Record Fields",
    "JapanFG Operator Links",
    "Related"
  ],
  "body_links": {
    "wikilinks_count": 38,
    "wikilinks": [
      "INDEX",
      "card-issuers/jaccs",
      "card-issuers/mufg-nicos",
      "card-issuers/orico",
      "card-issuers/paypay-card",
      "card-issuers/rakuten-card",
      "card-issuers/smbc-card",
      "exchanges/jp-exchange-sbi-vc-trade",
      "financial-licenses/INDEX",
      "financial-licenses/bank-license-and-baas-boundary",
      "fintech/japan-ecisb-license",
      "fintech/japan-stablecoin-regulatory-landscape",
      "fintech/jp-stablecoin-progmat",
      "payment-firms/au-payment",
      "payment-firms/dg-financial-technology",
      "payment-firms/gmo-epsilon",
      "payment-firms/gmo-payment-gateway",
      "payment-firms/jal-payment-port",
      "payment-firms/jpyc",
      "payment-firms/merpay",
      "payment-firms/netstars",
      "payment-firms/paidy",
      "payment-firms/paypay",
      "payment-firms/progmat",
      "payment-firms/rakuten-edy",
      "payment-firms/recruit-mufg-business",
      "payment-firms/sb-payment-service",
      "payment-firms/sbi-remit",
      "payments/INDEX",
      "payments/account-to-account-payment-japan",
      "payments/card-acquiring-japan-stack",
      "payments/credit-purchase-card-operators-japan-index",
      "payments/funds-transfer-service-providers-japan-index",
      "payments/funds-transfer-vs-prepaid-boundary",
      "payments/japan-bank-api-payment-agency-route",
      "payments/japan-bnpl-credit-purchase-boundary",
      "payments/prepaid-payment-instrument-issuers-japan-index",
      "payments/psp-merchant-settlement-risk"
    ],
    "resolved_wikilinks": [
      "https://finwiki.zksc.io/INDEX.md",
      "https://finwiki.zksc.io/ja/card-issuers/jaccs/",
      "https://finwiki.zksc.io/ja/card-issuers/mufg-nicos/",
      "https://finwiki.zksc.io/ja/card-issuers/orico/",
      "https://finwiki.zksc.io/ja/card-issuers/paypay-card/",
      "https://finwiki.zksc.io/ja/card-issuers/rakuten-card/",
      "https://finwiki.zksc.io/ja/card-issuers/smbc-card/",
      "https://finwiki.zksc.io/ja/exchanges/jp-exchange-sbi-vc-trade/",
      "https://finwiki.zksc.io/ja/domains/financial-licenses/",
      "https://finwiki.zksc.io/ja/financial-licenses/bank-license-and-baas-boundary/",
      "https://finwiki.zksc.io/ja/fintech/japan-ecisb-license/",
      "https://finwiki.zksc.io/ja/fintech/japan-stablecoin-regulatory-landscape/",
      "https://finwiki.zksc.io/ja/fintech/jp-stablecoin-progmat/",
      "https://finwiki.zksc.io/ja/payment-firms/au-payment/",
      "https://finwiki.zksc.io/ja/payment-firms/dg-financial-technology/",
      "https://finwiki.zksc.io/ja/payment-firms/gmo-epsilon/",
      "https://finwiki.zksc.io/ja/payment-firms/gmo-payment-gateway/",
      "https://finwiki.zksc.io/ja/payment-firms/jal-payment-port/",
      "https://finwiki.zksc.io/ja/payment-firms/jpyc/",
      "https://finwiki.zksc.io/ja/payment-firms/merpay/",
      "https://finwiki.zksc.io/ja/payment-firms/netstars/",
      "https://finwiki.zksc.io/ja/payment-firms/paidy/",
      "https://finwiki.zksc.io/ja/payment-firms/paypay/",
      "https://finwiki.zksc.io/ja/payment-firms/progmat/",
      "https://finwiki.zksc.io/ja/payment-firms/rakuten-edy/",
      "https://finwiki.zksc.io/ja/payment-firms/recruit-mufg-business/",
      "https://finwiki.zksc.io/ja/payment-firms/sb-payment-service/",
      "https://finwiki.zksc.io/ja/payment-firms/sbi-remit/",
      "https://finwiki.zksc.io/ja/domains/payments/",
      "https://finwiki.zksc.io/ja/payments/account-to-account-payment-japan/",
      "https://finwiki.zksc.io/ja/payments/card-acquiring-japan-stack/",
      "https://finwiki.zksc.io/ja/payments/credit-purchase-card-operators-japan-index/",
      "https://finwiki.zksc.io/ja/payments/funds-transfer-service-providers-japan-index/",
      "https://finwiki.zksc.io/ja/payments/funds-transfer-vs-prepaid-boundary/",
      "https://finwiki.zksc.io/ja/payments/japan-bank-api-payment-agency-route/",
      "https://finwiki.zksc.io/ja/payments/japan-bnpl-credit-purchase-boundary/",
      "https://finwiki.zksc.io/ja/payments/prepaid-payment-instrument-issuers-japan-index/",
      "https://finwiki.zksc.io/ja/payments/psp-merchant-settlement-risk/"
    ],
    "external_links_count": 0,
    "external_links": []
  },
  "metrics": {
    "nonspace_chars": 10815,
    "word_like_tokens": 1640,
    "inbound_wikilinks_count": 17,
    "last_modified": "2026-07-29"
  }
}
