Subscription Pay

"Subscription Pay" is a customer management and automatic payment solution specialized for B2C and B2B subscription businesses, offered as an internet payment processing service since our founding in 2000.
We connect businesses and merchants seeking to use payment services with payment providers such as credit card companies and banks, offering a unified platform for payment processing, customer management, and billing systems.
Our solution stands out for its all-in-one functionality—from website creation, customer information collection, payment processing, plan changes, to cancellations.
We provide low-cost, speedy implementation support for launching new businesses and services quickly, while also delivering highly customizable features that grow with our clients’ businesses. This helps reduce workload and human error, and strongly supports clients’ business expansion.

Seikyu Kanri Robo

"Seikyu Kanri Robo" is a B2B invoicing and accounts receivable management system launched in 2015. It reduces invoicing workloads by approximately 80% by automating the entire process—from invoice issuance, collection, reconciliation, to reminders.
This system minimizes the workload of accounting departments and reduces credit risk.
It offers a wide range of payment methods—such as credit card payments, direct debit, and bank transfers—with low transaction fees, enhancing companies’ competitiveness by efficiently handling rapid increases in customers and invoice volume.

Seikyu Marunage Robo

"Seikyu Marunage Robo" is a B2B service launched in 2019 that fully outsources invoicing operations to support companies in improving cash flow.
We handle the entire invoicing process—from credit screening, invoice issuance and delivery, payment reconciliation, to reminders.
With 100% accounts receivable guarantee, it eliminates the risk of uncollected payments, enabling stable cash management.
It can be smoothly integrated with both new businesses and existing invoice operations (billing, collection, reconciliation, reminder), and solves internal inefficiencies where departments cannot complete invoicing on their own.

1Click Postpay

"1Click Postpay" is a B2B BNPL (Buy Now, Pay Later) service based on credit card payments, launched in 2022.
After the buyer receives a bank transfer invoice issued by the seller, they can choose to pay by credit card.
ROBOT PAYMENT pays the invoice amount to the seller on behalf of the buyer, and the buyer’s cash outflow is deferred up to 60 days, depending on the credit card billing cycle. This service helps improve buyers’ cash flow.

1Click Hayamaru

"1Click Hayamaru" is an early payment service that enables sellers to monetize accounts receivable from issued invoices in as short as three business days.
When the buyer selects credit card payment via "1Click Postpay," the seller receives payment earlier than usual, improving their cash flow.
As a BBPS (Business-to-Business Payment Service Provider), we act as a proxy for merchants, reducing credit risk and eliminating the possibility of bad debt.
With no fixed costs, it is also suitable for one-time or occasional use.

Factoring Robo for SaaS

"Factoring Robo for SaaS" is a fast-cash solution tailored for SaaS providers.
It enables monetization of up to one year’s worth of future monthly subscription revenues, ensuring stable cash flow even in tight funding environments.
Leveraging our extensive expertise in payments and billing management, we offer end-to-end support—from billing operations to credit evaluation and collection.
The process is simple, with flexible use starting from small receivables and no impact on sales activities or client contracts.
It supports both startup cash flow needs and growth-stage investments, enabling fast and healthy funding for advertising, hiring, and development—making it a strategic financing tool for growth.

We map the revenue models of each service provided by ROBOT PAYMENT based on billing structure and target segments.

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In our payment processing business, sales proceeds from customer companies (merchants) are first received by our company from payment service providers. These funds temporarily remain with us until they are transferred to the customer companies.
Such temporarily held funds are recorded as deposits received.
During the period in which these funds remain within our company, both cash and deposits received on the balance sheet increase. Once the funds are transferred to the customer companies, these items decrease accordingly.
As a result, total assets temporarily increase, which may cause the equity ratio to appear lower on the surface. This is a structural characteristic of our balance sheet.

Funds temporarily remain with our company based on a monthly cycle.
Due to the cutoff and payment cycles, funds may stay with us for up to 50 days.
Sales proceeds from customer companies are first deposited into our account by various payment service providers, such as banks and credit card companies. These funds can remain with us for up to 50 days before being transferred to the customer companies.

This structure exists because:

• ・The incoming payment cycles between payment service providers and our company are typically:
• ・15th cutoff → end-of-month payment
• ・End-of-month cutoff → payment on the 15th of the following month
• ・Meanwhile, the outgoing payment cycles between our company and customer companies are generally:
• ・End-of-month cutoff → payment at the end of the following month
• ・End-of-month cutoff → payment on the 20th of the second following month

This timing difference results in temporary retention of funds within our company.

Our reported equity ratio is 12.7%, but when excluding deposits received, the adjusted equity ratio stands at 65.0%, indicating a high level of financial soundness in substance.
The adjusted equity ratio of 65.0% is significantly higher than the average of 32.9% for all listed companies in the information and communications sector.

Just as customer deposits are recorded as liabilities on a bank’s balance sheet, our business model structurally generates deposits received.
This is a characteristic of operational flows in the payment processing business and does not indicate any fundamental issue with our performance or business model.
Furthermore, we have no long-term borrowings recorded under fixed liabilities, reflecting an extremely sound financial structure.
We are well-positioned to leverage our equity capital to achieve long-term, stable growth and pursue sustainable business development going forward.