Pay-easy

Accept payments via Pay-easy, Japan's standardized payment service allowing customers to pay through ATMs or online banking at any participating bank.

Overview

Pay-easy is a Japanese payment service that enables customers to pay bills and make purchases through ATMs or internet banking. It's widely trusted and used by over 50 million Japanese consumers for utility bills, taxes, and online shopping.

Key Features:

• ✅ Multi-bank - Works with all major Japanese banks
• ✅ 50M+ users - Wide adoption across Japan
• ✅ ATM or online - Flexible payment channels
• ✅ Trusted - Backed by major Japanese banks
• ✅ 24/7 availability - Pay anytime
• ⚠️ No refunds - Refunds not supported via API

Supported Banks

Pay-easy works with virtually all Japanese banks including:

Major Banks:

• Mizuho Bank (みずほ銀行)
• MUFG Bank (三菱UFJ銀行)
• Sumitomo Mitsui Banking Corporation (三井住友銀行)
• Japan Post Bank (ゆうちょ銀行)
• Resona Bank (りそな銀行)

And 1,000+ other banks, credit unions, and online banks.

Region	Currency	Min Amount	Max Amount	Settlement
Japan	JPY	¥1	¥999,999	1-3 days

How It Works

Customer Experience:

Option 1: ATM Payment

1. Customer receives Pay-easy code
2. Goes to any bank ATM
3. Selects "Pay-easy" (ペイジー)
4. Enters収納機関番号 (billing organization code)
5. Enters customer number and confirmation number
6. Inserts cash or uses bank card
7. Receives receipt

Option 2: Online Banking

1. Customer logs into internet banking
2. Selects "Pay-easy" payment
3. Enters payment code information
4. Confirms payment
5. Receives confirmation

Typical completion time: 1-24 hours (depends on customer action)

Implementation

Create Pay-easy Source

Node.js

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

// Create Pay-easy source
const source = await omise.sources.create({
    type: 'pay_easy',
    amount: 100000,  // ¥100,000
    currency: 'JPY'
});

// Payment code details
console.log('Payment Code:', source.references.payment_code);
console.log('Expires at:', source.references.expires_at);

// Create charge
const charge = await omise.charges.create({
    amount: 100000,
    currency: 'JPY',
    source: source.id,
    metadata: {
        order_id: 'ORD-12345'
    }
});

// Display payment instructions to customer

PHP

<?php
$source = OmiseSource::create(array(
    'type' => 'pay_easy',
    'amount' => 100000,
    'currency' => 'JPY'
));

$paymentCode = $source['references']['payment_code'];
$expiresAt = $source['references']['expires_at'];

$charge = OmiseCharge::create(array(
    'amount' => 100000,
    'currency' => 'JPY',
    'source' => $source['id']
));
?>

Python

import omise

omise.api_secret = 'skey_test_YOUR_SECRET_KEY'

source = omise.Source.create(
    type='pay_easy',
    amount=100000,
    currency='JPY'
)

payment_code = source.references['payment_code']
expires_at = source.references['expires_at']

charge = omise.Charge.create(
    amount=100000,
    currency='JPY',
    source=source.id
)

Display Payment Instructions

<div class="pay-easy-instructions">
    <h2>お支払い方法 (Pay-easy Payment)</h2>

    <div class="payment-code">
        <h3>お支払い情報</h3>
        <table>
            <tr>
                <th>収納機関番号</th>
                <td>{{ billing_code }}</td>
            </tr>
            <tr>
                <th>お客様番号</th>
                <td>{{ customer_number }}</td>
            </tr>
            <tr>
                <th>確認番号</th>
                <td>{{ confirmation_number }}</td>
            </tr>
            <tr>
                <th>お支払い金額</th>
                <td>¥{{ amount }}</td>
            </tr>
            <tr>
                <th>お支払い期限</th>
                <td>{{ expiry_date }}</td>
            </tr>
        </table>
    </div>

    <div class="payment-methods">
        <div class="method">
            <h4>ATMでのお支払い</h4>
            <ol>
                <li>お近くの銀行ATMへ</li>
                <li>「税金・料金払込」または「ペイジー」を選択</li>
                <li>上記の番号を入力</li>
                <li>内容を確認して支払い</li>
                <li>レシートを受け取る</li>
            </ol>
        </div>

        <div class="method">
            <h4>ネットバンキングでのお支払い</h4>
            <ol>
                <li>ご利用の銀行のネットバンキングにログイン</li>
                <li>「税金・料金払込」または「ペイジー」を選択</li>
                <li>上記の番号を入力</li>
                <li>内容を確認して支払い</li>
                <li>確認メールを受信</li>
            </ol>
        </div>
    </div>

    <div class="supported-banks">
        <h4>ご利用可能な金融機関</h4>
        <p>全国のペイジー対応金融機関（都市銀行、地方銀行、信用金庫、ゆうちょ銀行など）</p>
    </div>
</div>

<style>
.payment-code {
    background: #f5f5f5;
    padding: 20px;
    border-radius: 8px;
    margin: 20px 0;
}

.payment-code table {
    width: 100%;
    border-collapse: collapse;
}

.payment-code th {
    text-align: left;
    padding: 10px;
    font-weight: bold;
    width: 40%;
}

.payment-code td {
    padding: 10px;
    font-size: 18px;
    font-family: monospace;
}
</style>

Handle Webhook Confirmation

app.post('/webhooks/omise', async (req, res) => {
    const event = req.body;

    if (event.key === 'charge.complete') {
        const charge = event.data;

        if (charge.source.type === 'pay_easy') {
            if (charge.status === 'successful') {
                // Customer paid - now ship order
                await shipOrder(charge.metadata.order_id);
                await sendConfirmation(charge.metadata.customer_email);
            } else if (charge.status === 'expired') {
                // Payment expired - cancel order
                await cancelOrder(charge.metadata.order_id);
            }
        }
    }

    res.sendStatus(200);
});

Complete Implementation

const express = require('express');
const omise = require('omise')({
    secretKey: process.env.OMISE_SECRET_KEY
});

const app = express();
app.use(express.json());

// Create Pay-easy payment
app.post('/checkout/pay-easy', async (req, res) => {
    try {
        const { amount, order_id, customer_email } = req.body;

        // Validate amount
        if (amount < 1 || amount > 99999900) {
            return res.status(400).json({
                error: 'Amount must be between ¥1 and ¥999,999'
            });
        }

        // Create source
        const source = await omise.sources.create({
            type: 'pay_easy',
            amount: amount,
            currency: 'JPY'
        });

        // Create charge
        const charge = await omise.charges.create({
            amount: amount,
            currency: 'JPY',
            source: source.id,
            metadata: {
                order_id: order_id,
                customer_email: customer_email
            }
        });

        // Send payment instructions email
        await sendPayEasyInstructions(customer_email, {
            payment_code: source.references.payment_code,
            amount: amount,
            expires_at: source.references.expires_at
        });

        // Return payment details
        res.json({
            payment_code: source.references.payment_code,
            expires_at: source.references.expires_at,
            charge_id: charge.id
        });

    } catch (error) {
        res.status(500).json({ error: error.message });
    }
});

app.listen(3000);

Important: No Refund Support

No Refunds

Pay-easy payments cannot be refunded via the Omise API. If you need to refund a customer, you must process it manually via bank transfer.

Alternative: Use Online Banking which supports refunds.

Payment Expiration

Pay-easy payments typically expire after 3-7 days:

// Check if payment expired
if (charge.status === 'expired') {
    await cancelOrder(order_id);
    await sendExpirationNotice(customer_email);
}

// Set reminder before expiration
const expiryDate = new Date(source.references.expires_at);
const reminderDate = new Date(expiryDate.getTime() - 24 * 60 * 60 * 1000);

scheduleEmail(reminderDate, customer_email, {
    subject: 'お支払い期限のお知らせ',
    body: '明日がお支払い期限です。お忘れなくお支払いください。'
});

Best Practices

1. Clear Payment Instructions

Provide detailed, localized instructions in Japanese:

const instructions = {
    atm: [
        'お近くの銀行ATMへお越しください',
        '「税金・料金払込」または「ペイジー」を選択',
        '収納機関番号、お客様番号、確認番号を入力',
        '内容を確認して支払い',
        'レシートを受け取ってください'
    ],
    online: [
        'ご利用の銀行のネットバンキングにログイン',
        '「税金・料金払込」または「ペイジー」を選択',
        '番号を入力して支払い'
    ]
};

2. Email Confirmation

Send immediate email with payment details:

await sendEmail(customer.email, {
    subject: 'ご注文確認 - Pay-easyでのお支払い',
    body: `
        ご注文ありがとうございます。

        お支払い方法: Pay-easy
        収納機関番号: ${billing_code}
        お客様番号: ${customer_number}
        確認番号: ${confirmation_number}
        お支払い金額: ¥${amount}
        お支払い期限: ${expiry_date}

        詳しいお支払い方法はこちら: ${instructions_url}
    `
});

3. Payment Reminders

Send reminders before expiration:

// 2 days before expiration
scheduleReminder(expiryDate - 2days, {
    message: 'お支払い期限が近づいています。お忘れなくお支払いください。'
});

// 1 day before expiration
scheduleReminder(expiryDate - 1day, {
    message: '明日がお支払い期限です。'
});

4. Show Supported Banks

<div class="supported-banks">
    <h4>ご利用可能な金融機関</h4>
    <div class="bank-logos">
        <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">
        <img src="/banks/japan-post.svg" alt="ゆうちょ銀行">
    </div>
    <p><small>その他1,000以上の金融機関</small></p>
</div>

Testing

Test Amount: ¥100,000 (10000000 smallest unit) Expected: Payment code generation in test mode

FAQ

What is Pay-easy?

Pay-easy (ペイジー) is Japan's standardized multi-bank payment service allowing customers to pay through ATMs or online banking at any participating bank. It's widely used for bills, taxes, and online shopping.

How long do customers have to pay?

Typically 3-7 days from order creation. The exact expiration is set when creating the source and should be clearly communicated to customers.

Can I refund Pay-easy payments?

No, Pay-easy payments cannot be refunded via the Omise API. You must handle refunds manually via bank transfer if needed.

Is Pay-easy better than Konbini?

Pay-easy:

• Bank customers
• Higher limit (¥999,999)
• ATM or online
• No refunds

Konbini:

• Universal (anyone with cash)
• Lower limit (¥300,000)
• In-store only
• No refunds

Choose based on your target audience.

Do I need Japanese language support?

Yes, absolutely essential. Pay-easy customers are Japanese and expect instructions in Japanese.

Related Resources

• Japan Payments Overview - All Japan methods
• Konbini - Convenience store alternative
• Online Banking - With refund support
• Testing - Test your integration

Next Steps

1. Create Pay-easy source
2. Display payment code to customer
3. Send email with payment instructions
4. Set up webhook handler
5. Handle payment expiration
6. Test with Japanese customers
7. Go live