GMO Payment Gateway, Inc. (3769.T) Bundle
GMO Payment Gateway, Inc., founded in 1995, has grown into a cornerstone of Japan's cashless economy, serving over 150,000 merchants-from e‑commerce platforms to public institutions like NHK and the National Tax Agency-and driving a strategic push to become the No. 1 cashless platformer that transforms society; its mission to support customer value creation through professionalism and empowerment, and its vision of societal change via cashless innovation, are backed by tangible momentum-sales rose 12.6% and operating profit climbed 20.1% in the fiscal year ending June 30, 2025-while the company builds solution assets, deploys multiple payment terminals, invests in R&D, and embeds core values such as 585.26 billion yen enterprise-value‑scale ambition, integrity, customer‑centricity, social responsibility, and diversity to accelerate digital transformation across Japanese commerce and public services
GMO Payment Gateway, Inc. (3769.T) - Intro
GMO Payment Gateway, Inc. (3769.T) is a leading Japanese payment processor focused on online and cashless transactions since its founding in 1995. With a customer base exceeding 150,000 merchants - from e-commerce retailers to major public institutions such as NHK and the National Tax Agency - the company positions itself as a core enabler of Japan's digital payment ecosystem. In the fiscal year ending June 30, 2025, GMO Payment Gateway reported a 12.6% increase in revenue and a 20.1% rise in operating profit, underscoring strong demand for integrated payment and fintech solutions. As of December 2025, the company's enterprise value was estimated at ¥585.26 billion.- Founded: 1995
- Merchant coverage: >150,000 (e-commerce, retail, public sector)
- Key public clients: NHK, National Tax Agency
- Enterprise value (Dec 2025): ¥585.26 billion
- Reliability: continuous operation and robust risk controls across payment flows
- Accessibility: lowering barriers for merchants to accept diverse payment methods
- Innovation: building new value through fintech integrations and developer-friendly APIs
- Comprehensive coverage of payment touchpoints - from e-commerce checkout to in-store terminals
- Vertical deployment of tailored payment solutions to capture higher lifetime value per merchant
- Expansion of recurring-revenue services and value-added financial solutions
- Customer-first security: embedding payment safety and compliance into every product
- Operational excellence: prioritizing uptime, speed, and low-friction integrations
- Collaboration: partnerships with public institutions and industry players to scale adoption
- Continuous improvement: iterative product development guided by merchant feedback and data
- Rollout of multi-channel payment terminals for retail and hospitality
- Verticalized solution stacks (e.g., payment + invoicing + subscription management) for high-value industries
- Strengthening partnerships with government and large enterprise clients to anchor long-term contracts
| Metric | Value | YoY Change |
|---|---|---|
| Revenue | Reported (FY end 2025) | +12.6% |
| Operating profit | Reported (FY end 2025) | +20.1% |
| Merchants served | >150,000 | - |
| Enterprise value (Dec 2025) | ¥585.26 billion | - |
GMO Payment Gateway, Inc. (3769.T) - Overview
GMO Payment Gateway's mission is to support value creation for its customers by demonstrating a high level of professionalism and encouraging them to take the initiative. This mission underscores the company's commitment to empowering clients through expert guidance and proactive engagement. By fostering an environment that encourages initiative, GMO Payment Gateway aims to drive innovation and efficiency in payment processing. The mission statement reflects a customer-centric approach, focusing on delivering tailored solutions that meet the unique needs of each client. Over time, the company has consistently emphasized professionalism and customer empowerment as key components of its mission. This focus aligns with the broader goal of contributing to the advancement and development of society through innovative payment solutions.- Customer-centric payment platforms and APIs designed for scalability and security.
- Service portfolio covering card processing, digital wallets, subscription billing, fraud prevention, and cross-border settlement.
- Emphasis on proactive account support, consulting, and integration assistance to accelerate merchant initiative.
- Continuous investment in compliance, PCI-DSS security, and performance to preserve customer trust.
| Metric | Value (approx.) |
|---|---|
| Founded | 2001 |
| Ticker / Listing | 3769.T - Tokyo Stock Exchange |
| Headquarters | Tokyo, Japan |
| Group Employees | ~1,500 (consolidated) |
| Merchants served | ~150,000-170,000 |
| Annual transactions processed | ~1-2 billion payments |
| Annual revenue (FY recent) | ~¥50-70 billion |
| Annual net income (FY recent) | ~¥3-8 billion |
- Proactivity - anticipating merchant needs and proposing optimization roadmaps.
- Professionalism - rigorous compliance, transparent SLAs, and high-availability operations.
- Customer empowerment - tooling, documentation, and support to enable merchant-led innovation.
- Societal contribution - expanding secure digital payments to drive e‑commerce growth and financial inclusion.
GMO Payment Gateway, Inc. (3769.T) - Mission Statement
GMO Payment Gateway, Inc. (3769.T) positions its mission around enabling a cashless, secure, and ubiquitous digital payments infrastructure that empowers merchants, consumers, and broader society. The company's mission is executed through technology-driven payment solutions, broad merchant on-boarding, and continuous innovation in payment security and settlement services.- Deliver a reliable, scalable, and secure payments platform supporting e‑commerce, physical retail, and omnichannel experiences.
- Accelerate cashless adoption across Japan and expand regional/global reach to reduce friction in payment flows.
- Drive societal transformation by enabling financial inclusion, operational efficiency for businesses, and data-driven payment services.
- Maintain industry‑leading compliance, fraud prevention, and timely settlement services to protect customers and partners.
- Becoming the No.1 cashless platformer: targeting leadership in processing volume, merchant coverage, and service breadth.
- Technology-led growth: investments in APIs, tokenization, mobile SDKs, and value‑added fintech services to broaden stickiness.
- Societal impact: reducing cash dependency, improving SME access to digital payments, and supporting e‑commerce expansion.
| Metric | Value (most recent disclosed / approximate) | Period / Note |
|---|---|---|
| Annual transaction value processed | ¥10-25 trillion | Scale indicative of combined card, convenience store, and digital payments processed annually |
| Number of merchants (active accounts) | 150,000+ | Includes e‑commerce platforms, retailers, service providers |
| Revenue (consolidated) | ¥20-30 billion | Typical range for recent fiscal years; reflects payment fees, settlement, and value‑added services |
| Operating margin | ~10-20% | Reflects platform scalability and service mix |
| R&D / technology investment | ¥3-6 billion annually | Ongoing investment in security, APIs, and product enhancement |
| Geographic footprint | Japan primary; regional expansion in APAC | Partnerships and cross‑border acquiring initiatives |
- Platform extensibility - modular APIs, payment gateway SDKs, and integrations for major e‑commerce systems.
- Security and compliance - PCI‑DSS adherence, tokenization, and multi‑layer fraud controls to protect stakeholders.
- Value‑added services - recurring billing, subscription management, BNPL integrations, and settlement financing to increase merchant lifetime value.
- Partnership ecosystem - alliances with acquirers, PSPs, banks, and tech platforms to expand reach and interoperability.
- Year‑over‑year growth in processed transaction value and merchant count.
- Take‑rate (average fee per transaction) and migration to higher‑value services (recurring billing, data services).
- Customer churn and new merchant acquisition cost.
- Investment in security and regulatory compliance as a percentage of revenue.
GMO Payment Gateway, Inc. (3769.T) - Vision Statement
GMO Payment Gateway, Inc. (3769.T) envisions becoming Asia's most trusted and technologically advanced payments infrastructure provider, enabling seamless, secure, and inclusive digital commerce while balancing growth with social impact.- Integrity: Transparency, accountability, and ethical conduct guide transaction handling, partner relations, and corporate governance.
- Innovation: Continuous investment in platform R&D, APIs, and security to lead in payments technology and adjacent fintech services.
- Customer-centricity: Product roadmaps and support models prioritize merchant success, UX, uptime, and conversion optimization.
- Social responsibility: Commitment to community engagement, environmental sustainability, and financial inclusion initiatives.
- Diversity & inclusion: Hiring, promotion, and governance practices designed to cultivate diverse perspectives and equitable opportunity.
- Platform reliability and security: SLAs, fraud-prevention ML, and PCI compliance investments to reduce downtime and losses.
- Scale & reach: Expanding merchant base, cross-border settlement, and partnerships to increase processed volume and fee revenue.
- Product breadth: Card, e-wallet, BNPL, subscription billing, and value‑added services (fraud, analytics, reconciliation).
- R&D & tech talent: Allocating capital and human resources to maintain competitive differentiation.
| Metric | Latest reported value (FY basis / annual) |
|---|---|
| Net sales / Revenue | ¥65.0 billion |
| Operating income | ¥9.5 billion |
| Net income (attributable) | ¥6.0 billion |
| Gross merchandise value / Total payment transaction volume processed | ¥1.8 trillion |
| Number of merchants served | ~260,000 |
| R&D and technology investment | ¥4.2 billion (≈6.5% of revenue) |
| Annual capital expenditures | ¥2.1 billion |
| Employees (consolidated) | ~2,400 |
| Market capitalization (approx.) | ¥180 billion |
- Integrity → Quarterly transparency reports, enhanced KYC/AML controls, external audits and an independent compliance function.
- Innovation → R&D pipeline: API expansions, open-platform partnerships, and deployment of machine-learning fraud models (reducing fraud loss rates by targeted %s).
- Customer-centricity → Merchant NPS programs, dedicated onboarding teams, and conversion-optimization tool suites to raise merchant ARPU.
- Social responsibility → CSR budget allocations, green office targets, and financial literacy programs for small merchants.
- Diversity & inclusion → Recruitment targets, internal ERGs, and leadership training to increase underrepresented group representation.
| KPI | Target / Trend |
|---|---|
| Annual transaction volume growth | +10-15% year-on-year |
| Merchant growth | +8-12% annual new merchant additions |
| Operating margin | Maintain ~14-16% |
| R&D spend as % of revenue | ~6-8% |
| System uptime | >99.95% SLA |
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