Remise

Remise: Evidence-Based Overview For Merchants

Remise is a Japan-based payment service provider offering an EC payment service that consolidates multiple online payment methods under one connection. On its official site, Remise lists credit cards, convenience store payments, online ID payment, electronic money, bank payments, carrier billing, postpaid, and direct debit as available options. The service emphasizes quick onboarding, non-retention of card data, and security controls such as PCI DSS v4.0.1 compliance and EMV 3D Secure as a standard feature. As of March 2025, the company states it has more than 19,000 merchant implementations and can start service in as little as five business days.

Key Takeaways

• Multiple payment methods via a single interface

• Two integration options with card data non-retention in all modes

• EMV 3D Secure provided as standard and brand token support

• PCI DSS v4.0.1 compliant and ISO 27001 certified

• Sandbox available for testing and many shopping cart connections

Remise At A Glance

• Coverage of methods: credit cards, convenience store payments, PayPay Online ID payment, bank payments, carrier billing, postpaid via Paidy, electronic money WebMoney and BitCash, and direct debit.

• Merchant count: 19,000 plus implementations as of March 2025.

• Time to go-live: as fast as five business days.

• 3D Secure: EMV 3D Secure is a standard feature.

• Security: PCI DSS v4.0.1 compliance, card data encryption, brand token support, and ISO 27001 certification.

• Operational tools: merchant back office for settlement and transaction operations, subscription billing, batch processing, email link payments, and early funding option.

• Note: some methods require separate contracts with the payment brand or provider.

Payment Methods Supported

Credit Cards

• Supports the six international brands: Visa, Mastercard, JCB, American Express, Diners Club, and Discover under one connection.

• One-time, two-installment, and revolving payments are available subject to approval.

• Brand tokens are supported to help reduce exposure to raw PAN data.

Online ID Payment

• PayPay Online is available as an online ID payment method.

• Remise highlights unified management in the same back office used for card and other methods.

Convenience Store Payments

• Supports major nationwide convenience store chains with both paperless code-based payments and a bill slip option.

• Bill slip method is available at more than 65,000 stores in Japan.

• Real-time “collection notice” emails help confirm incoming funds.

Bank Payments

• Supports online bank payments from PayPay Bank, Rakuten Bank, and Pay-easy.

• Designed for use cases like provider fees and public utility payments.

• Purchasers typically do not pay transfer fees for these flows, with limited exceptions.

Carrier Billing

• Compatible with the three major mobile carriers in Japan: docomo, au, and SoftBank.

• Supports both one-time and recurring charges.

• Requires separate contracts with each carrier.

Postpaid

• Paidy is available for next-month consolidated billing.

• Requires a separate contract with Paidy.

• Remise indicates sales proceeds are guaranteed and the merchant pays only the transaction fee.

Electronic Money

• WebMoney and BitCash are supported.

• Useful for digital content and youth segments that prefer prepaid instruments.

Direct Debit

• Bank account transfer with three acceptance options: create the mandate online then accept by paper, mail a paper mandate, or complete paperless web registration.

• Works for subscription and usage-based models and is offered with recurring billing as standard.

• Supports email link flows and shopping cart integration.

Features For Ecommerce Operations

Recurring Billing For Subscriptions

• Automates card or direct debit charges based on a set amount, charge date, and interval.

• For card-based subscriptions, EMV 3D Secure is applied at initial signup, card change, or when card details are entered. Subsequent automated cycles do not trigger 3D Secure challenges.

Email Link Payments

• Generate a payment URL and send it by email, SMS, or messaging apps.

• Enables telephone or form-based orders without handling card data directly.

• Useful where a full shopping cart is not implemented.

Merchant Back Office

• Web-based tool for operations such as captures, voids, amount changes, refunds, and batch uploads.

• Includes sales aggregation and CSV exports.

• Role-based access for internal users.

Batch Processing

• Upload CSV files to process usage-based or periodic billings in bulk.

• Uses stored transaction identifiers to avoid handling card data directly.

Card On File, Multi-Language, and Mobile

• Card information registration to streamline repeat purchases, managed securely by Remise.

• Multi-language display for checkout screens in Japanese, English, and Simplified Chinese when using the link-type integration.

• Smartphone-optimized checkout pages and optional design customization in link-type mode.

Early Funding

• An early funding option labeled two-cycle settlement is available.

• Details and eligibility are provided during sales consultation.

Integration And Security

Connection Options

• Link-type: redirect buyers to Remise’s hosted payment page. Merchants do not handle card data and can customize the page style.

• Token-type: render the payment page on the merchant site while tokenizing the card number in the browser and sending a token to Remise. Card data does not pass through the merchant server.

Card data non-retention is achievable in both modes.

3D Secure And Fraud Controls

• EMV 3D Secure is standard across the EC payment service.

• The Japanese credit card security guideline requires 3D Secure for essentially all EC sites, and Remise provides an implementation that follows this direction.

Platform And Certifications

• PCI DSS v4.0.1 compliant as of December 27, 2024.

• ISO/IEC 27001:2022 certified under JIS Q 27001:2023.

• Data centers operate in redundant configurations with active disaster recovery and 24×365 monitoring.

• Remise notes registration in the Visa Global Registry of Service Providers.

Implementation, Testing, And Ecosystem

• Time to go-live: as fast as five business days depending on screening.

• Sandbox: available for specification review and end-to-end test transactions before production.

• Shopping carts: connections exist for popular platforms including EC-CUBE, Welcart, and CS-Cart.

• Dedicated support: sales representatives help select plans and payment methods.

Use Cases And Fit

• Retail and digital content: card payments, convenience store payments, and electronic money fit broad B2C use cases.

• Subscription services: automated recurring billing with 3D Secure at signup and optional direct debit.

• Billers and membership fees: bank payments and direct debit support recurring collections and public-style payments.

• Tele-order flows: email link payments support phone or form orders without a cart.