CREDIX

CREDIX Overview For Merchants

CREDIX is a Japan-based payment service provider that supports merchants with online payment acceptance and operational tools. The CREDIX product set includes credit card payments, subscription billing, one-click repeat payments, email link payments, and BitCash (a prepaid electronic money method).

CREDIX is operated by CREDIX Co.,Ltd. (株式会社CREDIX), established in 2011 and headquartered in Tokyo, Japan. The company states that its services are PCI DSS compliant, including an evaluation as a Level 1 service provider.

Payment Acceptance Methods And Channels

CREDIX describes several ways for merchants to take payments:

• Hosted online checkout (redirect): Customers are routed to a CREDIX-hosted card payment screen. Materials also describe an English payment page for overseas expansion and inbound use cases.

• Tokenized checkout on a merchant page: Card details can be tokenized via JavaScript and submitted as a token for authorization.

• API-driven payments: One-click payments and recurring billing can be initiated using a customer identifier linked to an initial transaction.

• Email link payments: A payment link can be issued from the CREDIX sales management screen by entering a customer email address and amount.

• Telephone automated guidance: A phone-based automated voice guidance flow is available for customers who prefer not to input card details online.

Supported Customer Payment Types

CREDIX materials describe support for:

• Credit cards: Visa, Mastercard, JCB, American Express, and Diners Club.

• Japan-specific card options: Installments, revolving payments, and bonus lump-sum payments.

• Prepaid electronic money: BitCash, described as a prepaid method that uses a 16-character hiragana ID and can be purchased at convenience stores or online.

For credit card transactions, CREDIX describes transaction currency options in Japanese yen (JPY) and U.S. dollars (USD).

Checkout And Integration Options

CREDIX outlines multiple integration models so merchants can choose the implementation style that fits their checkout UX and back-office processes.

Hosted Redirect Checkout

With hosted checkout, merchants connect customers to a CREDIX payment screen without building a full payment page. CREDIX describes that card data does not pass through the merchant’s server in this flow. Payment outcomes can be checked via confirmation email, and CREDIX also describes notifying a merchant server of the payment result.

Tokenization With JavaScript

For merchants that want card entry on their own page, CREDIX describes converting the card number into a token via JavaScript and submitting the token for payment execution.

One-Click And API-Based Follow-On Payments

For second and subsequent payments, CREDIX describes a one-click model based on a unique value tied to the initial cardholder. For recurring billing, CREDIX describes an API-driven model where the merchant initiates scheduled charges using the unique value.

Subscription And Recurring Billing

CREDIX supports subscription billing and describes flexible recurring patterns, including free first-month setups and month-by-month promotional pricing. Service specifications also describe scheduling options such as charging every 30 days or on a specified day of the month.

Two operating patterns are described:

• Merchant-led recurring billing initiated via API calls.

• Provider-led recurring billing where the amount and billing period are set in advance and CREDIX executes billing, positioned as a paid option.

Email Link Payments

CREDIX offers email link payments for merchants that do not want to implement website checkout or that collect payment after manual steps such as reservation approval or inventory confirmation. The merchant enters the customer email address and amount in the CREDIX sales management screen, sends a link, and the customer completes payment on a CREDIX-hosted card screen.

BitCash As An Alternative Method

CREDIX provides BitCash acceptance as an additional online method. BitCash is described as a prepaid electronic money method using a 16-character hiragana ID and is purchasable via convenience stores and the internet. CREDIX also states BitCash can be used for adult-category content intended for customers aged 20 and over, and highlights that BitCash purchases do not require collection of personal information.

Business Models And Use Cases

CREDIX describes use cases that include information products, online schools, membership communities, fan clubs, and network business (MLM) programs. It also describes small-ticket digital content purchasing use cases, including music distribution, e-books, and in-app billing. Operational scenarios referenced include online shops, recurring delivery models (auto-ship), salons and exhibitions, events, and call-center-driven sales.

Security And Merchant Operations

CREDIX states PCI DSS compliance for its services, and a published security policy describes management involvement in protecting cardholder data and maintaining a PCI DSS compliance program.

For operations, CREDIX describes a sales management screen (merchant portal). In service specifications, the portal supports real-time sales inquiry and refund processing. The same materials also describe configurable statement descriptor settings (merchant name shown on card statements) as a measure intended to reduce chargebacks.

Support And Onboarding

CREDIX publishes phone and email contact points and states that its web inquiry form accepts submissions 24 hours a day, while reception hours are listed as weekdays from 10:00 to 18:30. In MLM-focused service materials, CREDIX also describes 24/365 Japanese-language support from a domestic base.

The onboarding flow is described as progressing through inquiry, requirement hearing, quotation, submission of application documents, screening, and system delivery. Activation is described as starting in as little as about 10 business days for the program described.

Pricing And Commercial Terms

CREDIX describes a quotation step as part of onboarding (inquiry, hearing, then estimate), indicating that pricing is handled on a per-merchant basis. The referenced materials do not list fixed transaction fee percentages or a public fee schedule.

Conclusion

CREDIX provides a merchant-facing payment acceptance stack centered on online credit card processing in Japan, with integration approaches that include hosted checkout, tokenization, one-click payments, and subscription billing. Complementary flows such as email link payments, BitCash acceptance, and a merchant portal for sales visibility and refunds support a range of business models, including subscriptions, digital content, and higher-scrutiny merchant categories.