SB Payment Service (SoftBank Payment Service)
On this page
- Wiki route
- TL;DR
- 1. Company overview
- 2.1 Online payment service (PSP)
- 2.2 Merchant scale
- 2.3 Sub-segments
- 3. Parent-company relationship (within the SoftBank Group’s financial structure)
- Division of roles between SBPS and
- 4. KPI (based on public information, reference values)
- 5.1 Position as one of the top 3 PSPs
- 5.2 The B2B foundation of the ecosystem
- 5.3 EC platform integration
- 5.4 BNPL (deferred payment) / electronic-ticketing expansion
- 6. Regulation / supervision
- Related
- Sources
[!note] Naming note This page was originally requested as a slot under the name “dock-financial,” but since no independent financial group entity called “Dock Financial Group” can be confirmed in Japan, the SoftBank group’s payment-agency subsidiary “SB Payment Service (SBPS)” is substituted instead. It is positioned as the operating-company anchor for the SoftBank group’s financial functions.
Wiki route
This entry sits under payment-firms INDEX as the operating-company anchor for SB Payment Service (SBPS), the payment-agency / financial-services subsidiary of the group of SoftBank Corp. (TSE PRIME 9434, core telecom business). Read it against PayPay Financial Group for the sister SoftBank-affiliated payment / fintech cluster, au Financial Holdings (au-FH) for the telco-captive financial group peer, NTT DOCOMO Financial Group (NDFG) for the telco-financial-group peer, payments index for the PSP / merchant-payment-service context, and Japan cashless payment landscape for system-level positioning.
TL;DR
The payment-agency service (PSP = Payment Service Provider) subsidiary of the group of SoftBank Corp. (the telecom-business SoftBank Corp., TSE PRIME 9434). Established in 2004 , a wholly owned subsidiary of SoftBank. It provides a multi-payment processing platform for EC merchants covering credit cards, convenience-store payment, electronic money, QR code payment (including PayPay), carrier billing (SoftBank Matomete Shiharai), and the like. It forms one of the top 3 PSPs (GMO Payment Gateway・DG Financial Technology (DGFT)・SBPS) in Japan’s domestic EC payment market. Direct B2C financial functions are handled by PayPay Financial Group, while SBPS specializes in B2B / B2B2C merchant-facing payment-processing infrastructure. ^[likely]
1. Company overview
| Item | Content |
|---|---|
| Formal name | SB Payment Service Corp. |
| English name | SB Payment Service Corp. |
| Abbreviation | SBPS |
| Establishment | 2004-10 |
| Parent company | SoftBank Corp. (TSE PRIME 9434, 100% subsidiary) |
| Head office | Tokyo Port City Takeshiba, 1-7-1 Kaigan, Minato-ku, Tokyo |
| Business type | Comprehensive credit-purchase intermediation business (Installment Sales Act) + prepaid payment instrument issuer (Payment Services Act) + funds-transfer business (Payment Services Act) + merchant payment-agency service (PSP) |
| Flagship service | Online payment service (integrated payment of credit cards, convenience stores, electronic money, carrier billing, QR, and bank transfers) |
2.1 Online payment service (PSP)
| Payment method | Coverage |
|---|---|
| Credit cards | Visa / Mastercard / JCB / American Express / Diners |
| Convenience-store payment | Seven-Eleven, Lawson, FamilyMart, etc. |
| Electronic money | [[payments/suica-prepaid-jr-east |
| QR code payment | **[[payments/paypay |
| Carrier billing | SoftBank Matomete Shiharai・Docomo Barai・au Kantan Kessai |
| Bank transfer / direct debit | Internet-banking payment・direct-debit payment |
| Deferred payment | BNPL (Buy Now Pay Later) integration such as NP Atobarai |
2.2 Merchant scale
- Channel strength of the telecom-carrier parent company + integration with major EC platforms (Yahoo! Shopping / LOHACO, etc.)
- Strength in the QR-payment area through overlap with PayPay merchants
2.3 Sub-segments
- Electronic ticketing: payment for ticket sales of events and shows
- Recurring billing (subscriptions): monthly / annual billing for SaaS and subscription services
- Corporate invoice / expense-settlement payment: corporate B2B payment
3. Parent-company relationship (within the SoftBank Group’s financial structure)
SoftBank Group Corp. (TSE PRIME 9984)
├── Overseas investment (SVF, etc., fund business)
└── SoftBank Corp. (TSE PRIME 9434, core telecom business)
├── Telecom business (mobile / FTTH / corporate ICT)
├── Yahoo / LINE integrated business (LY Corporation subsidiary)
├── PayPay financial group ([[megabanks/paypay-fg]])
│ ├── [[payment-firms/paypay|PayPay 株式会社]] ── QR code payment
│ ├── [[banking/paypay-bank|PayPay 銀行]] ── internet bank
│ ├── [[card-issuers/paypay-card|PayPay カード]] ── card issuance
│ └── [[securities-firms/paypay-securities|PayPay 証券]] ── securities
├── **SB Payment Service** (this page, PSP)
└── Other financial subsidiaries (finance / leasing, etc.)Division of roles between SBPS and PayPay Financial Group
| Function | SBPS | PayPay financial group |
|---|---|---|
| Target | B2B (merchant-facing payment-processing infrastructure) | B2C (consumer-facing payment / bank / card) |
| License | Comprehensive credit-purchase intermediation + prepaid + funds-transfer business + PSP | QR payment (funds-transfer business)・bank・card・securities |
| Position within parent company | SoftBank Corp. 100% subsidiary | SoftBank + Yahoo + LINE integrated group |
| Main revenue | Merchant payment-processing fees | Merchant fees + interest income + investment management |
→ SoftBank group’s payment functions are divided with PayPay = consumer side, SBPS = merchant side
4. KPI (based on public information, reference values)
| Indicator | Scale |
|---|---|
| Number of merchants | Precise figures undisclosed (industry observation as one of the top 3 PSPs) |
| Payment transaction value | Trillion-yen scale (including the B2B processing portion of PayPay’s transaction value) ^[likely] |
| Number of employees | 348 名 (gBizINFO registered information, corporate number 4010401058731) |
| Position within parent company SoftBank | Payment subsidiary within the enterprise-business segment |
| PSP market share | One of the top 3 domestic PSPs (alongside [[payment-firms/gmo-payment-gateway |
Detailed financial KPIs are disclosed in the segment information of the parent company SoftBank’s (9434) securities report. For the latest figures, refer to the official IR.
5.1 Position as one of the top 3 PSPs
The competitive structure of the domestic PSP market:
- GMO Payment Gateway (TSE PRIME 3769, the largest PSP specialist)
- DG Financial Technology (DGFT) (TSE PRIME 4819, media + PSP dual business)
- SBPS (this page, SoftBank group-affiliated, advantage in PayPay integration)
SBPS’s differentiation axis: the parent-company group channel of SoftBank / Yahoo / LINE / PayPay + connectivity with PayPay QR-payment merchants
5.2 The B2B foundation of the PayPay ecosystem
- With multi-payment processing including PayPay QR payment, it markets “accepting everything through 1 API” to integrate merchants’ payment UX
- Positioned as the “payment piece” of the parent-company group
5.3 EC platform integration
- Yahoo! Shopping・LOHACO・Z Holdings-affiliated EC platforms
- ZOZOTOWN (Z Holdings-affiliated)
- Major companies’ own EC sites (manufacturer D2C・brand EC)
- BtoB EC (wholesale / industrial EC)
5.4 BNPL (deferred payment) / electronic-ticketing expansion
- Expanding BNPL (Buy Now Pay Later) integration such as NP Atobarai
- Expansion into atypical EC areas such as electronic ticketing and recurring billing (subscriptions)
- Responding to the diversification of merchants’ payment needs
6. Regulation / supervision
| Item | Content |
|---|---|
| Supervisory authority | Financial Services Agency (Payment Services Act) + Ministry of Economy, Trade and Industry (Installment Sales Act) |
| License | Comprehensive credit-purchase intermediation business (METI registration) + prepaid payment instrument issuer (FSA registration) + funds-transfer business (FSA registration, Type II) |
| PCI DSS | International security standard for credit-card processing |
| Personal-information protection | Act on the Protection of Personal Information・Installment Sales Act information-protection obligations |
| Listing | Unlisted (parent company SoftBank is TSE PRIME 9434) |
Related
- SoftBank Corp. (parent company, TSE PRIME 9434)
- paypay-fg — group sibling (B2C financial group)
- paypay — QR payment (merchant integration partner)
- paypay-bank — group bank
- paypay-card — group card
- gmo-payment-gateway — major PSP competitor (within INDEX)
- digital-garage — major PSP competitor
- au-fh — telco-affiliated financial group peer
- ndfg — telco-affiliated financial group peer
- cashless-jp-landscape — cashless overview
- INDEX — payments namespace index
- INDEX — JapanFG namespace index
Sources
- SBPS official: company overview (profile/)
- SBPS official: history (history/)
- SoftBank official: group company list (softbank.jp/corp/group/sb/)
- Financial Services Agency: funds-transfer service provider list
- Ministry of Economy, Trade and Industry: Installment Sales Act registered-business list
- gBizINFO (METI corporate information): SB Payment Service Corp. (corporate number 4010401058731, number of employees 348 名, establishment 2004-10-01, head office 1-7-1 Kaigan, Minato-ku, Tokyo) https://info.gbiz.go.jp/hojin/ichiran?hojinBango=4010401058731
- Wikipedia: SB Payment Service (public information, 2026-05-25 extraction)
[!info] Verification status