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Japan credit purchase and card operator registry index

Confidence: Likely Updated 2026-05-21 Review by 2026-11-21 Sources 5 Machine-translated Original (JA)
#payments#credit-card#installment-sales-act#registry#meti#acquiring
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Overview

METI’s Installment Sales Act public lists are the control surface for Japanese credit-card issuing, shopping credit, individual installment credit, and merchant-contracting / card-number handling. As of 2026-04 month-end, METI lists 241 registered comprehensive credit purchase intermediaries, 0 small comprehensive credit purchase intermediaries, 138 registered individual credit purchase intermediaries, and 275 registered credit-card-number handling contract concluding operators.

Read this page with Japan card acquiring stack and funds-transfer registry to separate card credit, merchant acquiring, PSP operations, and wallet / transfer products. The official METI PDFs remain the row-level source of truth.

Registry Snapshot

RegistryAs-of dateCountWiki treatment
登録包括信用購入あっせん業者2026-04 month-end241Route material card issuers / credit companies; keep regional long tail in METI PDFs.
登録少額包括信用購入あっせん業者2026-04 month-end0No standalone wiki action.
登録個別信用購入あっせん業者2026-04 month-end138Promote only material installment-credit, auto-finance, BNPL, or bank-group credit operators.
クレジットカード番号等取扱契約締結事業者2026-04 month-end275Use for acquirers, merchant PSPs, and card-number handling responsibility.

Boundary

BoundaryTreatment
Comprehensive credit purchase intermediaryCard / revolving / credit purchase operator route; often overlaps with card issuer pages.
Individual credit purchase intermediaryShopping credit, auto finance, education / medical credit, and other sales-finance routes.
Credit-card-number handling contract concluding operatorMerchant-contracting and card-data-control route; essential for PSP / acquiring analysis.
Funds-transfer operatorUse FSA registration and funds-transfer-service-providers-japan-index.
Prepaid issuerUse FSA prepaid registration and prepaid-payment-instrument-issuers-japan-index.

Existing Material Wiki Routes

SegmentRoutesWhy these are standalone
Megabank / bank-group card issuerssmbc-card, mufg-nicos, jcb, mitsubishi-ufj-trust-bankIssuing / acquiring, bank group strategy, card-network or trust-bank adjacency.
Retail / ecosystem card issuersrakuten-card, paypay-card, aeon-financial-service, epos-card, seven-card-service, ucs-card, life-card, pocket-cardConsumer credit, loyalty, retail finance, and payment-data loops.
Consumer finance / installmentsmbc-consumer-finance, acom, aiful, orico, jaccs, aplus, shinsei-financial, toyota-financeLending / guarantee / installment-credit operating companies.
Merchant PSP / acquiringgmo-payment-gateway, gmo-epsilon, sb-payment-service, dg-financial-technology, netstarsMerchant onboarding, gateway, card-number handling, and settlement-risk infrastructure.
Wallet / embedded financerecruit-mufg-business, jal-payment-port, paypay, merpay, au-paymentWallets often combine prepaid, transfer, merchant payment, and card-linked rails.

Analysis Lens

For FinWiki, the most important use of the METI lists is not “who appears in the PDF” but “what role the operator plays in the credit and acquiring stack.”

  • Card issuers own consumer credit and repayment behavior.
  • Individual-credit operators connect merchants, consumers, and product financing.
  • Merchant-contracting operators decide which merchants can accept cards and carry onboarding / monitoring duties.
  • PSPs may be technically central even when the final merchant-contracting authority belongs to another registered acquirer.
  • Some operators sit in multiple lists, so one company page explains the boundary instead of duplicating pages per license.

Sources