Bank Pay

pmt_bank_pay

Bank Pay lets Japanese customers pay shops directly from a registered bank account using QR or barcode flows. Its app also supports eligible Cotra person-to-person transfers, combining merchant purchases and small-value money movement within a bank-connected payment experience.

Use cases:
Initiation:
Users
469K
Markets
1
TPV
$19M
Transactions
964K

Estimated Monthly Usage, Aurato Research, October 2026

Historical trends

Capabilities

Initiation & Authentication
Funding & Requirements
Processing & Settlement
Transaction Management
Refunds & Disputes
Additional native capabilities

Markets

Estimated Monthly Usage, Aurato Research, October 2026

PSPs

No PSP implementations have been mapped for this method yet.

Schemes

Compliance

Regulator
Bank of Japan

Standards