FamiMa Digital One (FamiMa Digital One)
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TL;DR
A convenience-store-affiliated payments / points / finance subsidiary under Itochu Corporation → FamilyMart 100%. Established in 2019-04-01 (predecessor: FamiMa Travel Co., Ltd.); in 2019-07-01 it released FamiPay (QR + barcode payment). Based on a funds-transfer-service-provider license, with no banking license. Convenience-store-app-closed payments + BNPL (FamiPay deferred next-month payment) + personal lending (FamiPay Loan) + FamiPay Card (former FamiMa T Card). It is transitioning toward an “Itochu-group internal payment platform” by dissolving the T-Point linkage in 2024-04 → making FamiPay Point independent. Competitors are au PAY (au-fh) / PayPay (paypay-fg) / Rakuten Pay (rakuten-fg) / d-barai (ndfg).
1. Company overview
Formal name: FamiMa Digital One Co., Ltd. English name: FamiMa Digital One Co., Ltd. Established: 2019-04-01 (predecessor: FamiMa Travel → reorganized) Parent: FamilyMart Co., Ltd. (100%) Ultimate parent: Itochu Corporation (made FamilyMart a wholly-owned subsidiary in 2020-08 → delisted) Business type: funds-transfer service provider (no banking license) + comprehensive credit purchase intermediary + money-lending business Headquarters: Shibaura, Minato-ku, Tokyo (inside FamilyMart head office)
Parent / shareholder structure (as of 2026 )
Itochu Corporation (TSE PRIME 8001, trading company)
└── FamilyMart Co., Ltd. (100%, unlisted, former 8028)
├── FamiMa Digital One (100%) ── payments / points / finance
├── FamilyMart store network (domestic ~16,200 店)
└── Overseas FM (Taiwan FamilyMart / Thailand / China / Indonesia, etc.)Key chronology
| Year/month | Event |
|---|---|
| 2019-04-01 | FamiMa Digital One established (predecessor: FamiMa Travel reorganized) |
| 2019-07-01 | FamiPay released (QR / barcode payment, closed within the convenience-store app) |
| 2020-08 | Itochu Corporation TOB → FamilyMart made a wholly-owned subsidiary / delisted from TSE (former 8028) |
| 2020〜 | FamiPay Bonus (effectively points) launched |
| 2021 | FamiPay deferred next-month payment (BNPL) launched |
| 2022 | FamiPay Loan (personal lending) launched |
| 2023-03 | FamiMa T Card → FamiPay Card migration (dissolution of the co-branded card with CCC / T-Point) |
| 2024-04 | Dissolution of FamiPay’s T-Point linkage (did not align with the integration of V-Point = T-Point + V) → FamiPay Point made independent |
| 2024〜 | Mid-term plan — policy to platformize within the Itochu group |
| 2025〜 | FamiPay has not entered the stablecoin / blockchain space (vs MUFG Progmat) |
2. Business segment map
| Service | Type | Characteristics |
|---|---|---|
| FamiPay | code payment (QR / barcode) | Closed within the FamilyMart app, convenience-store originated. Charging via bank account / cash / credit |
| FamiPay Card | credit card | Former FamiMa T Card (migrated 2023-03 ). FamiPay Bonus reward integration |
| FamiPay deferred next-month payment | BNPL (deferred payment) | Monthly-close next-month payment, specialized for in-convenience-store payment |
| FamiPay Loan | money-lending business (personal lending) | Small / short-term, closed within the convenience-store app |
| FamiPay Point (former Fami Point) | points program | Made independent after dissolving the T-Point linkage 2024-04 |
| FamiPay Bonus | effectively point reward | Campaign / purchase-linked |
| Payment collection agency | utility / mail-order payment collection | Extension of convenience-store payment collection |
| Gift cards / prepaid | house money | Corporate-novelty / campaign uses |
Core strategy
- Convenience-store-app-closed model: store-front origination at about 16,200 店 of FamilyMart → QR scan payment → unified management of balance / points / card within the app
- Platformization within the Itochu group (2024〜 mid-term plan): rolling out FamiPay horizontally as a B2C touchpoint for Itochu Corporation businesses (FamilyMart / convenience-store wholesale / food / textiles / machinery, etc.)
- Non-holding of a banking license (based on funds-transfer-service-provider status) → specialized in simple payments. Full-scale banking is premised on outsourcing / partnership
- House-point independence (T-Point dissolution 2024-04 ): internalizing the reward economy → ending dependence on CCC / V-Point
Competitive landscape
| Competitor | Economic sphere | Convenience-store partnership |
|---|---|---|
| PayPay (paypay-fg) | SoftBank G + Yahoo + LINE | Usable at Lawson, Seven, and others |
| au PAY (au-fh) | KDDI economic sphere + Lawson (KDDI parent) | Lawson main battlefield |
| Rakuten Pay (rakuten-fg) | Rakuten economic sphere | Universal across all convenience stores |
| d-barai (ndfg) | docomo economic sphere + dポイント | Universal across all convenience stores |
| nanaco / 7iD (Seven) | Seven & i HD | Seven in-store only → being integrated into the 7iD app |
| FamiPay | Itochu Corporation / FamilyMart | FamiMa main battlefield |
→ Payment differentiation among the convenience-store 3 :
- FamiMa = FamiPay (built solely by the Itochu group)
- Lawson = au PAY linkage (since the full subsidiarization by KDDI 2024-12 , au-economic-sphere integration accelerating)
- Seven = nanaco / 7iD (own economic sphere)
Key inflection points in the mid-term plan
- 2023-03 end of FamiMa T Card: terminating the CCC / T-Point co-branded card and migrating to FamiPay Card
- 2024-04 full exit from T-Point: T-Point itself is integrated with V-Point (the V of the former SMBC group) → becoming the new “V-Point” (2024-04-22). FamiMa did not align with the integration and shifted to its own points
- Result: FamiMa fully departed the “T-Point / V-Point camp,” choosing the Itochu-group independent economic sphere
Limits / issues
- Non-holding of a banking license → deposits / FX remittance / large-lot settlement depend on other companies (partner banks)
- The main battlefield is skewed toward inside FamiMa stores; its out-of-store rollout as a universal code payment is weak relative to PayPay / Rakuten Pay / d-barai
4. Regulation / policy
- Supervisor: Financial Services Agency (FSA)
- Funds-transfer service provider: registration under Article 37 of the Payment Services Act
- Money-lending business: registration under the Money Lending Business Act (FamiPay Loan)
- Comprehensive credit purchase intermediary: Installment Sales Act (FamiPay Card / next-month payment)
- Personal data: Act on the Protection of Personal Information (3 -fold marketing information of payment data + purchase history + points)
- Recent policy issues:
- 2025〜 credit-information sharing / credit management related to BNPL (FamiPay next-month payment is also subject)
- Response to cashless / point-reward policy (METI)
Related
Sources
- Wikipedia: FamiMa Digital One (https://ja.wikipedia.org/wiki/ファミマデジタルワン, extracted 2026-05-19)
- Wikipedia: FamiPay (https://ja.wikipedia.org/wiki/FamiPay, extracted 2026-05-19)
- Wikipedia: FamilyMart (https://ja.wikipedia.org/wiki/ファミリーマート, extracted 2026-05-19)
- Wikipedia: T-Point / V-Point integration (2024-04-22 integration-related, extracted 2026-05-19)
[!info] Verification status confidence: likely (based on Wikipedia public information, verified 2026-05-19). After parent FamilyMart was delisted 2020-08 , financial disclosure is limited, and quantitative figures such as FamiPay’s MAU / GMV / FamiPay Loan balance have scant external disclosure. Facts such as service launch dates and the T-Point exit date are confirmed via Wikipedia. The mid-term-plan content on platformization within the Itochu group is a general directional description based on published mid-term-management-plan materials, and specific numerical targets are unconfirmed.