{
  "schema_version": "1.0",
  "slug": "payments/japan-bank-api-payment-agency-route",
  "source_path": "payments/japan-bank-api-payment-agency-route.md",
  "url": "https://finwiki.zksc.io/ja/payments/japan-bank-api-payment-agency-route/",
  "html_url": "https://finwiki.zksc.io/ja/payments/japan-bank-api-payment-agency-route/",
  "alternate_html_urls": {
    "ja": "https://finwiki.zksc.io/ja/payments/japan-bank-api-payment-agency-route/",
    "en": "https://finwiki.zksc.io/en/payments/japan-bank-api-payment-agency-route/"
  },
  "github_url": "https://github.com/jasonhnd/finwiki/blob/main/payments/japan-bank-api-payment-agency-route.md",
  "raw_markdown_url": "https://finwiki.zksc.io/payments/japan-bank-api-payment-agency-route.md",
  "domain": "payments",
  "title": "Japan bank API and electronic payment agency route",
  "entry_type": "wiki_entry",
  "frontmatter": {
    "title": "Japan bank API and electronic payment agency route",
    "aliases": [
      "japan-bank-api-payment-agency-route",
      "Japan bank API route",
      "electronic payment agency Japan",
      "電子決済等代行業 route"
    ],
    "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",
      "bank-api",
      "electronic-payment-agency",
      "open-api",
      "banking",
      "fintech"
    ],
    "status": "active",
    "canonical_anchor": null,
    "related": [],
    "note": null,
    "sources": [
      "https://www.fsa.go.jp/menkyo/menkyo.html",
      "https://www.fsa.go.jp/menkyo/menkyoj/dendai.pdf",
      "https://www.fsa.go.jp/menkyo/menkyoj/dendai.xlsx",
      "https://www.fsa.go.jp/koueki/koueki10h.html",
      "https://www.zenginkyo.or.jp/fileadmin/res/abstract/council/openapi/openapi_text_1.pdf",
      "https://www.fapi.or.jp/link/"
    ]
  },
  "summary": "Japan's bank API / electronic payment agency route is the legal and operating bridge between banks and fintech apps that obtain account information, initiate account-linked instructions, or connect customer-facing services to deposit-account rails. It is not the same as being a bank, funds-transfer",
  "headings": [
    "Japan bank API and electronic payment agency route",
    "Overview",
    "Route Map",
    "Source Stack",
    "Product Boundary",
    "JapanFG Relevance",
    "Control Questions",
    "Risks and Caveats",
    "Research Checklist",
    "Related"
  ],
  "body_links": {
    "wikilinks_count": 21,
    "wikilinks": [
      "INDEX",
      "banking/baas-japan-landscape",
      "banking/mercari-bank-license-stack",
      "financial-licenses/INDEX",
      "fintech/japan-ecisb-license",
      "fintech/japan-stablecoin-regulatory-landscape",
      "megabanks/mizuho-bank",
      "megabanks/mufg-bank",
      "megabanks/resona-bank",
      "megabanks/sumitomo-mitsui-banking-corp",
      "payment-firms/au-payment",
      "payment-firms/freee",
      "payment-firms/merpay",
      "payment-firms/money-forward",
      "payment-firms/paypay",
      "payment-firms/sb-payment-service",
      "payments/INDEX",
      "payments/account-to-account-payment-japan",
      "payments/funds-transfer-service-providers-japan-index",
      "payments/funds-transfer-vs-prepaid-boundary",
      "payments/merchant-bank-pay-account-direct-acquiring"
    ],
    "resolved_wikilinks": [
      "https://finwiki.zksc.io/INDEX.md",
      "https://finwiki.zksc.io/ja/banking/baas-japan-landscape/",
      "https://finwiki.zksc.io/ja/banking/mercari-bank-license-stack/",
      "https://finwiki.zksc.io/ja/domains/financial-licenses/",
      "https://finwiki.zksc.io/ja/fintech/japan-ecisb-license/",
      "https://finwiki.zksc.io/ja/fintech/japan-stablecoin-regulatory-landscape/",
      "https://finwiki.zksc.io/ja/megabanks/mizuho-bank/",
      "https://finwiki.zksc.io/ja/megabanks/mufg-bank/",
      "https://finwiki.zksc.io/ja/megabanks/resona-bank/",
      "https://finwiki.zksc.io/ja/megabanks/sumitomo-mitsui-banking-corp/",
      "https://finwiki.zksc.io/ja/payment-firms/au-payment/",
      "https://finwiki.zksc.io/ja/payment-firms/freee/",
      "https://finwiki.zksc.io/ja/payment-firms/merpay/",
      "https://finwiki.zksc.io/ja/payment-firms/money-forward/",
      "https://finwiki.zksc.io/ja/payment-firms/paypay/",
      "https://finwiki.zksc.io/ja/payment-firms/sb-payment-service/",
      "https://finwiki.zksc.io/ja/domains/payments/",
      "https://finwiki.zksc.io/ja/payments/account-to-account-payment-japan/",
      "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/merchant-bank-pay-account-direct-acquiring/"
    ],
    "external_links_count": 0,
    "external_links": []
  },
  "metrics": {
    "nonspace_chars": 8499,
    "word_like_tokens": 1359,
    "inbound_wikilinks_count": 12,
    "last_modified": "2026-07-30"
  }
}