Pay2o株式会社

Pay2o provides a subscription-focused payment service for Japanese small businesses, automating recurring billing through direct bank account debits. The platform handles monthly fees, one-time charges, and automatic retries for failed payments, with transaction fees from 0.95%—significantly lower than typical credit card processing rates. The service requires no initial setup costs or monthly fees.

Traction –/10

HQ unknown

Financial Technology
Software Only

Updated 5 days ago

Funding

Raised to date

¥170MRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.

Est. $1.1M

across 1 round

MCP

¥170M · Seed

Announced Nov 2026 · from article date

Disclosed cumulative: $1.1M

RoundDateAmountValuationInvestors

Founders

Founder details are not available yet.

Product

Problem

Small businesses such as gyms, schools, and studios that collect monthly membership fees or tuition still face significant manual work: sending payment requests, checking deposits, and chasing unpaid bills. Standard credit card processing adds high transaction costs that erode already thin margins, while the administrative burden takes time away from core business activities like teaching or coaching.

Solution

Pay2o provides a subscription-focused payment service that automates recurring billing through direct bank account debits. Business owners register payment amounts and dates once, and the system automatically creates future payment schedules without requiring manual re-entry or file uploads each month. The platform supports both recurring fees and one-time charges such as enrollment fees or trial lesson payments, with real-time payment result notifications sent to both the business and the customer via email. When a payment fails due to insufficient funds, Pay2o automatically retries the transaction for up to 30 days, reducing the need for manual follow-up. The service charges a transaction fee of 0.95% to 1.95%, significantly lower than typical credit card processing rates, with no initial setup costs, monthly fees, or account registration charges.

Target Audience

Primary customers are small and medium-sized businesses in Japan that collect recurring payments, including gyms, fitness studios, pilates and yoga studios, sports clubs, tutoring schools, language schools, dance and music studios, and martial arts dojos.

Features

Direct bank account (A2A) payment processing with transaction fees from 0.95% (tax excluded), compared to typical credit card fees around 3.6%
One-time registration of billing amounts and payment dates with automatic generation of future payment schedules
Real-time payment result dashboard with email notifications to both business and customer
Automatic retry mechanism for failed payments for up to 30 days
Support for both recurring monthly fees and one-time charges (enrollment fees, trial fees) at any timing
No system usage fees: zero initial cost, zero monthly fee, zero account registration fee
Customer onboarding via dedicated URL or QR code for bank account registration
Settlement on month-end with funds deposited by the 5th of the following month; early deposit service (4 business days after payment) planned
External API for integration with third-party systems
eKYC functionality for customer identity verification