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  "raw_markdown_url": "https://finwiki.zksc.io/payments/merchant-bank-pay-account-direct-acquiring.md",
  "domain": "payments",
  "title": "Merchant bank-account direct acquiring in Japan",
  "entry_type": "wiki_entry",
  "frontmatter": {
    "title": "Merchant bank-account direct acquiring in Japan",
    "aliases": [
      "merchant-bank-pay-account-direct-acquiring",
      "Bank Pay merchant acquiring",
      "J-Debit merchant acquiring",
      "account direct acquiring Japan"
    ],
    "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-pay",
      "j-debit",
      "acquiring",
      "merchant",
      "account-to-account"
    ],
    "status": "active",
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    "related": [],
    "note": null,
    "sources": [
      "https://jeppo.jp/",
      "https://jeppo.jp/bankpay/",
      "https://jeppo.jp/bankpay/for_member/dl/k-bpkamt-n.pdf",
      "https://jeppo.jp/bankpay/for_member/dl/g-bp-n.pdf",
      "https://www.zengin-net.jp/zengin_system/cotra/",
      "https://www.cotra.ne.jp/p2pservice/",
      "https://www.fsa.go.jp/menkyo/menkyoj/shikin_idou.pdf"
    ]
  },
  "summary": "Merchant bank-account direct acquiring is the merchant-side reading of Japan account-to-account payment route. Bank Pay and J-Debit can look like ordinary QR / debit acceptance at checkout, but the control surface is different from card acquiring, prepaid wallets, and funds-transfer wallets: the pay",
  "headings": [
    "Merchant bank-account direct acquiring in Japan",
    "Overview",
    "Merchant Route Map",
    "Bank Pay Participant Stack",
    "Control Matrix",
    "Comparison With Card And Wallet Acquiring",
    "JapanFG Relevance",
    "Research Checklist",
    "Related",
    "Sources"
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