specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: PAY.JP
providerId: payjp
created: '2026-07-17'
modified: '2026-07-17'
reconciled: true
tags:
- Payments
- FinTech
- Japan
- Credit Cards
- Plans
description: >-
  PAY.JP has no API access fee; merchants pay a per-transaction processing fee
  (決済手数料) on successful card charges plus a fixed transfer fee (振込手数料) per payout.
  Card processing rates step down by monthly volume across Standard, Business, and
  Enterprise plans (which carry a monthly platform fee). Special Seed/Partner,
  Travel, and NPO programs offer reduced rates. All settlement is in JPY.
notes: >-
  Rates below were read from https://pay.jp/plan on 2026-07-17 and are subject to
  change; confirm the current fee schedule and eligibility with PAY, Inc. Amounts
  are JPY. PayPay acceptance is priced separately by merchant category.
sources:
- https://pay.jp/plan
- https://help.pay.jp/ja/collections/2009236
plans:
- id: payjp-standard
  name: Standard (スタンダード)
  type: usage
  description: >-
    Entry plan with no monthly fee; recommended for under ~4M JPY monthly sales.
  entries:
  - label: Card processing fee (all brands)
    name: card_fee_standard
    type: usage
    metric: transaction_percent
    limit: -1
    timeFrame: transaction
    geo: japan
    unit: 1
    price: 3.3% per successful charge
    userMultiplied: false
  - label: Monthly fee
    name: monthly_fee_standard
    type: flat
    metric: subscription
    limit: -1
    timeFrame: month
    geo: japan
    unit: 1
    price: "\xA50"
    userMultiplied: false
  elements:
  - name: Charges
  - name: Customers
  - name: Subscriptions
  - name: Tokens
- id: payjp-business
  name: Business (ビジネス)
  type: usage
  description: >-
    Mid-volume plan; recommended for ~4M-20M JPY monthly sales.
  entries:
  - label: Card processing fee (all brands)
    name: card_fee_business
    type: usage
    metric: transaction_percent
    limit: -1
    timeFrame: transaction
    geo: japan
    unit: 1
    price: 2.78% per successful charge
    userMultiplied: false
  - label: Monthly fee
    name: monthly_fee_business
    type: flat
    metric: subscription
    limit: -1
    timeFrame: month
    geo: japan
    unit: 1
    price: "\xA520,000"
    userMultiplied: false
  elements:
  - name: All Standard features
- id: payjp-enterprise
  name: Enterprise (エンタープライズ)
  type: usage
  description: >-
    High-volume plan; recommended for 20M+ JPY monthly sales.
  entries:
  - label: Card processing fee (Visa / Mastercard)
    name: card_fee_enterprise_visa_mc
    type: usage
    metric: transaction_percent
    limit: -1
    timeFrame: transaction
    geo: japan
    unit: 1
    price: 2.59% per successful charge
    userMultiplied: false
  - label: Card processing fee (JCB / Amex / Diners / Discover)
    name: card_fee_enterprise_other
    type: usage
    metric: transaction_percent
    limit: -1
    timeFrame: transaction
    geo: japan
    unit: 1
    price: 2.7% per successful charge
    userMultiplied: false
  - label: Monthly fee
    name: monthly_fee_enterprise
    type: flat
    metric: subscription
    limit: -1
    timeFrame: month
    geo: japan
    unit: 1
    price: "\xA550,000"
    userMultiplied: false
  elements:
  - name: All Business features
- id: payjp-paypay
  name: PayPay acceptance
  type: usage
  description: >-
    PayPay wallet acceptance priced by merchant category, independent of card plan.
  entries:
  - label: Physical goods / services
    name: paypay_physical
    type: usage
    metric: transaction_percent
    limit: -1
    timeFrame: transaction
    geo: japan
    unit: 1
    price: 3.5% per successful payment
    userMultiplied: false
  - label: Digital content
    name: paypay_digital
    type: usage
    metric: transaction_percent
    limit: -1
    timeFrame: transaction
    geo: japan
    unit: 1
    price: 9.0% per successful payment
    userMultiplied: false
  elements:
  - name: PayPay
- id: payjp-programs
  name: Seed / Partner / Travel / NPO programs
  type: usage
  description: >-
    Eligibility-based reduced-rate programs (contact PAY.JP).
  entries:
  - label: Seed & Partner (1-year term)
    name: program_seed_partner
    type: usage
    metric: transaction_percent
    limit: -1
    timeFrame: transaction
    geo: japan
    unit: 1
    price: 2.78% card fee, "\xA50" monthly
    userMultiplied: false
  - label: Travel / NPO (Visa / Mastercard)
    name: program_travel_npo
    type: usage
    metric: transaction_percent
    limit: -1
    timeFrame: transaction
    geo: japan
    unit: 1
    price: 1.5% Visa/MC, 3.3% other brands, "\xA50" monthly
    userMultiplied: false
  elements:
  - name: Contact PAY.JP for eligibility
- id: payjp-transfer-fee
  name: Payout / transfer fee (振込手数料)
  type: usage
  description: >-
    Fixed fee deducted per payout to the merchant bank account. Payout cycle is
    monthly (month-end) by default, or twice monthly (15th and month-end).
  entries:
  - label: Transfer fee per payout
    name: transfer_fee
    type: flat
    metric: payout
    limit: -1
    timeFrame: payout
    geo: japan
    unit: 1
    price: "\xA5250 per payout"
    userMultiplied: false
  elements:
  - name: Transfers (入金)
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com