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  "raw_markdown_url": "https://finwiki.zksc.io/payments/account-to-account-payment-japan.md",
  "domain": "payments",
  "title": "Japan account-to-account payment route",
  "entry_type": "wiki_entry",
  "frontmatter": {
    "title": "Japan account-to-account payment route",
    "aliases": [
      "account-to-account-payment-japan",
      "Japan A2A payments",
      "bank account payment Japan",
      "ことら Bank Pay J-Debit"
    ],
    "domain": "payments",
    "type": null,
    "created": "2026-05-22",
    "last_updated": "2026-07-30",
    "last_tended": "2026-07-30",
    "review_by": "2026-11-22",
    "confidence": "likely",
    "tags": [
      "payments",
      "account-to-account",
      "bank-pay",
      "cotra",
      "zengin",
      "j-debit"
    ],
    "status": "active",
    "canonical_anchor": null,
    "related": [],
    "note": null,
    "sources": [
      "https://www.zengin-net.jp/zengin_system/cotra/",
      "https://www.cotra.ne.jp/",
      "https://www.cotra.ne.jp/p2pservice/",
      "https://www.cotra.ne.jp/member/",
      "https://jeppo.jp/",
      "https://jeppo.jp/bankpay/",
      "https://www.fsa.go.jp/menkyo/menkyoj/shikin_idou.pdf"
    ]
  },
  "summary": "Japan account-to-account payments sit between classic bank transfer, wallet balance, card acquiring, and code payment. The important control question is: is value moving directly from a deposit account, through a funds-transfer / prepaid balance, or through a merchant acquiring / card network layer?",
  "headings": [
    "Japan account-to-account payment route",
    "Overview",
    "Rail Map",
    "Cotra System Reading",
    "Bank Pay / J-Debit Reading",
    "Product Boundary",
    "JapanFG Relevance",
    "Risks and Caveats",
    "Research Checklist",
    "Related"
  ],
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