Skip to main content

Japan Online Banking

Accept payments via online banking from major Japanese banks with internet banking support and refund capability.

Overview​

Japan Online Banking allows customers to pay directly from their bank accounts through their bank's internet banking website. Unlike Pay-easy (which uses ATMs or banking), this method is purely online.

Key Features:

  • ✅ Major banks - Leading Japanese banks supported
  • ✅ Internet banking - Online-only, no ATM needed
  • ✅ Refund support - Full and partial refunds (unlike Konbini/Pay-easy)
  • ✅ Higher limits - Larger transaction amounts
  • ✅ Bank verification - Direct bank authentication
  • ⚠️ Requires online banking - Customer must have internet banking enabled

Supported Banks​

Major Japanese banks with internet banking:

  • Mizuho Bank (みずほ銀行)
  • MUFG Bank (三菱UFJ銀行)
  • Sumitomo Mitsui Banking Corporation (三井住友銀行)
  • Other major city and regional banks
RegionCurrencyMin AmountMax AmountSettlement
JapanJPY¥100¥10,000,000+1-3 days

How It Works​

Customer selects online banking → Redirected to bank website → Logs in → Confirms payment → Returns to merchant (2-5 minutes total)

Implementation​

Create Source and Charge​

const omise = require('omise')({
    secretKey: 'skey_test_YOUR_SECRET_KEY'
});

// Create online banking source
const source = await omise.sources.create({
    type: 'online_banking_jpn',
    amount: 100000,  // ¥100,000
    currency: 'JPY'
});

// Create charge
const charge = await omise.charges.create({
    amount: 100000,
    currency: 'JPY',
    source: source.id,
    return_uri: 'https://yourdomain.com/payment/callback'
});

// Redirect to bank
res.redirect(charge.authorize_uri);

Refund Support​

Unlike Konbini and Pay-easy, online banking supports refunds:

// Full or partial refund within 180 days
const refund = await omise.charges.refund('chrg_test_...', {
    amount: 100000  // Full or partial
});

Comparison with Other Japan Methods​

FeatureOnline BankingPay-easyKonbini
PlatformOnline onlyATM/OnlineIn-store
Max Amount¥10M+¥999,999¥300,000
Speed2-5 min1-24 hrs1-24 hrs
Refunds✅ Yes❌ No❌ No
RequirementsInternet bankingBank accountCash/card
Best forHigh-value, refund-neededMid-valueCash users

When to Use Online Banking​

✅ Use when:

  • High-value transactions (>¥100,000)
  • Refunds may be needed
  • Target audience has internet banking
  • Desktop/laptop users

❌ Don't use when:

  • Target audience prefers cash (use Konbini)
  • Mobile-first experience (use PayPay)
  • Customers may not have internet banking enabled

Best Practices​

1. Show Supported Banks​

<div class="payment-method">
    <h3>インターネットバンキング</h3>
    <p>以下の銀行のネットバンキングが利用できます：</p>
    <div class="banks">
        <img src="/banks/mizuho.svg" alt="みずほ銀行">
        <img src="/banks/mufg.svg" alt="三菱UFJ銀行">
        <img src="/banks/smbc.svg" alt="三井住友銀行">
    </div>
</div>

2. Verify Internet Banking​

// Show requirement clearly
showRequirement({
    title: 'インターネットバンキングが必要です',
    description: 'お使いの銀行でインターネットバンキングをご利用いただける必要があります。',
    action: 'ネットバンキングを利用する'
});

3. Handle Redirect​

app.get('/payment/callback', async (req, res) => {
    const charge = await omise.charges.retrieve(req.query.charge_id);

    if (charge.status === 'successful') {
        await shipOrder(charge.metadata.order_id);
        res.redirect('/order-success');
    } else {
        res.redirect('/payment-failed');
    }
});

FAQ​

What is Japan Online Banking?

Direct payment from customer's bank account through their bank's internet banking website. Requires customer to have internet banking enabled.

Can I refund online banking payments?

Yes! Unlike Konbini and Pay-easy, online banking supports both full and partial refunds within 180 days.

Which banks are supported?

Major Japanese banks including Mizuho, MUFG, and SMBC. Customers select their bank during checkout.

Should I use this or Pay-easy?

Online Banking: Higher limits, refunds, online-only Pay-easy: ATM option, wider reach, no refunds

Use Online Banking for high-value or refund-needed transactions.

Next Steps​

  1. Create online banking source
  2. Redirect to bank selection
  3. Handle return callback
  4. Set up webhook handler
  5. Test with Japanese banks
  6. Go live