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  "raw_markdown_url": "https://finwiki.zksc.io/payments/jcb-three-party-operating-model.md",
  "domain": "payments",
  "title": "JCB three-party brand operating model",
  "entry_type": "wiki_entry",
  "frontmatter": {
    "title": "JCB three-party brand operating model",
    "aliases": [
      "jcb-three-party-operating-model",
      "JCB 3-party scheme Japan",
      "JCB brand acquirer issuer model",
      "JCB Co JCB International role split",
      "JCB スキーム 3者方式"
    ],
    "domain": "payments",
    "type": null,
    "created": "2026-05-25",
    "last_updated": "2026-07-30",
    "last_tended": "2026-07-30",
    "review_by": "2026-11-25",
    "confidence": "likely",
    "tags": [
      "payments",
      "card",
      "scheme",
      "jcb",
      "brand",
      "acquirer",
      "issuer-licensing"
    ],
    "status": "active",
    "canonical_anchor": null,
    "related": [],
    "note": null,
    "sources": [
      "https://www.global.jcb/ja/about-us/business-area/brand/",
      "https://www.global.jcb/ja/about-us/business-area/issuer/",
      "https://www.global.jcb/ja/about-us/business-area/acquirer/",
      "https://www.jcb.co.jp/merchant/regulation/",
      "https://www.jcb.co.jp/company/about/group/index.html",
      "https://www.meti.go.jp/press/2023/06/20230601003/20230601003.html",
      "https://www.meti.go.jp/policy/economy/consumer/credit/115tourokujigyousyaitiran.html",
      "https://www.jftc.go.jp/houdou/pressrelease/2022/apr/220408.html",
      "https://paymentsjapan.or.jp/wp-content/uploads/2023/08/roadmap2023.pdf"
    ]
  },
  "summary": "This entry sits under payments index as the JCB-specific operating-model page that pairs with Japan card issuer / acquirer / processor split for the cross-brand role map and with Japan payment scheme economics matrix for the four-class comparison view. JCB is the only domestic brand that consistentl",
  "headings": [
    "JCB three-party brand operating model",
    "Wiki route",
    "TL;DR",
    "Three-party vs four-party scheme distinction",
    "Corporate split: JCB Co Ltd vs JCB International",
    "Issuer ecosystem under JCB licensing",
    "Merchant-acquiring control vs four-party scheme",
    "2023 fee-allocation disclosure",
    "Why three-party persists when four-party dominates globally",
    "Domestic-brand vs international-brand dimension"
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