Payments and Fintech
Updated: July 2026, 9
From concept development to licensing and beyond, we handle all aspects of the payment business.
Remittances, wallets, prepaid cards, stablecoins, bank APIs, card payments, BNPL.
Support Administrative Scrivener Corporation provides comprehensive support, from organizing business schemes and considering necessary licenses and permits, to preliminary consultations with administrative authorities, creating application forms and internal regulations, establishing management systems including AML/CFT, registration applications, responding to inquiries from authorities, filing notifications and reports after registration, and conducting internal and external audits.
Please contact us even if you're unsure of what regulations apply to your service.
Do you have these concerns?
We provide comprehensive support across payment businesses.
A single service may be subject to multiple regulations. We need to consider this not just from the perspective of individual licenses, but from the perspective of the entire business.
Funds transfer business
Domestic and international money transfers, wallets and money transfer apps, tax refunds, digital payroll, etc. We provide support from organizing Type 1, Type 2, and Type 3 accounts to registration and post-registration support.
prepaid payment instrument
Prepaid cards, electronic money, rechargeable services, points, gifts, etc. We organize these services from the service design stage, including in-house and third-party services.
Electronic payment methods and related businesses
Buying, selling, exchanging, brokering, management, and handling of overseas-issued stablecoins in Japan. We also provide support for management systems including AML/CFT and user asset management.
Electronic payment agency business
We provide support for services such as remittance instructions, account information retrieval, bank APIs, and asset management services, from initial consultations to application and contract negotiations with banks.
Credit card number, etc.
Business of concluding handling agreements
This document outlines the registration requirements and practical systems under the Installment Sales Act, including acquiring, payment processing, merchant agreements, and merchant management.
Credit purchase agency
Comprehensive and individual credit purchase arrangements, deferred payment options, etc. We support registration based on service design and systems such as credit assessment and merchant management.
* The necessary licenses and permits will be determined on a case-by-case basis, based on the actual business scheme, funding flow, contractual relationships, etc., rather than the name of the project.
We don't just explain the system; we also get hands-on experience with the actual registration process.
We will understand the business, organize it in a way that can be explained to the authorities, translate it into documents and management systems, and move forward with each inquiry under review.
Business scheme and regulatory review
We will review the flow of funds, contractual relationships, systems, and relationships with overseas businesses.
Prior consultation with administrative authorities
I will prepare an outline and explanatory materials, and organize the key points. I will also attend meetings as needed.
Application forms, regulations, and management system development
We create operational procedures manuals, internal regulations, AML/CFT documents, checklists, and workflow diagrams.
Review and response to inquiries from authorities
We will handle everything from draft responses and additional documents to revisions of application forms and regulations, and incorporate the points raised.
Post-registration/Audit
We provide support for everything from change notifications and business reports to compliance with legal revisions, AML/CFT, and internal and external audits.
Support that goes beyond mere "advice"
We not only explain what is needed, but we also create concrete documents that will actually be submitted to the authorities and used internally within the company.
Don't just end it with "This falls under these regulations."
We need to consider what to actually build, what to fix, and how to explain it to the authorities.
The Payments and FinTech Licensing Team emphasizes not only explaining the regulations but also being involved in the registration application, review, and operation processes themselves.
Licensing × AML/CFT × Audit
In the payment and FinTech business, it's necessary to consider not only obtaining licenses and permits, but also management systems including AML/CFT, as well as post-registration audits and ongoing support, as an integrated whole.
Approval and License
Measures against financial crime
Post-registration/Audit
Specialized staff responsible for payment and FinTech licensing.
Our expert staff provides continuous support in the areas of licensing, AML/CFT, and audit practices in the payment and FinTech sectors, from defining your business scheme to post-registration assistance.
Yu Shimizu
We handle licensing and approval for payment and FinTech businesses, including money transfer services, as well as AML/CFT, and internal and external financial audits. We provide continuous support from organizing business schemes and conducting preliminary consultations with administrative authorities to creating application forms and internal regulations, responding to inquiries during the review process, and establishing management systems after registration.
We value being involved in the process of understanding the actual business, clarifying the issues between the business and the regulations, translating them into application forms and internal rules, and answering each question from the authorities. We want to work hands-on together with everyone.
Shingo Yajima
We handle registration procedures for credit purchase intermediaries and other businesses under the Installment Sales Act, as well as licensing and approval procedures for electronic payment services and other payment and FinTech businesses. We provide comprehensive support, from creating application forms and internal regulations, to responding to inquiries from administrative authorities, and establishing notification and management systems after registration.
Obtaining licenses and permits is not the end of the process. We prioritize guiding our clients to a state where they can conduct their business legally and continuously, by organizing everything from service design and business flows to internal regulations, so that their actual business operations can be run in accordance with laws and the authorities' guidelines.
Image of the case to be handled
In the payment and FinTech sectors, we provide comprehensive support, from assisting new domestic businesses with market entry to helping overseas FinTech companies enter the Japanese market and ensuring compliance after registration.
International money transfer service
We provide support for regulatory reforms, money transfer business registration, pre-consultations with authorities, and the establishment of AML/CFT systems for providing remittance services within Japan.
Wallet and payment services
For services that combine charging, money transfer, payment, points, etc., we will organize the necessary licenses and permits based on the flow of funds and contractual relationships.
Overseas FinTech companies entering the Japanese market
We provide support for expanding services offered overseas into Japan, including regulatory compliance checks, establishing a Japanese subsidiary structure, registration applications, and dealing with regulatory authorities.
Post-registration compliance
We provide support for ongoing compliance with change notifications, business reports, revisions to internal regulations, AML/CFT systems, and internal and external audits.
* The content shown is just one example of the types of projects we handle. The support we provide will vary depending on the specific business content and service design.
A Practical Perspective on Payment and FinTech Regulations
We provide ongoing explanations not only of the system's overview, but also of the issues that arise in the actual acquisition and operation of licenses and permits.
Frequently asked questions
Here are some of the most frequently asked questions we receive regarding licensing and permits in the payment and FinTech sectors.
Can I consult with you even if I'm not sure what permits or licenses are needed?
Can I consult with you even before service development begins?
Can I consult with you even if I'm an overseas company?
Is it possible to receive support only after registration?
Please feel free to contact us from the initial planning stages of your payment business.
It is not necessary to have determined the required licenses or permits.
We'll work together to clarify everything, starting from the initial stage of "We want to implement this kind of payment service in Japan."
