Payment Management Service 'TREE PAYMENT - Nyukin Totsugo Zero VAce' Powered by 'fincode byGMO' Launches

CSS Co., Ltd. (President: Hiroaki Izumi, hereinafter 'CSS'), a group company of Sumitomo Life Insurance Company, and GMO Epsilon, Inc. (hereinafter 'GMO Epsilon'), a member of the GMO Internet Group, are pleased to announce that their collaborative payment management service, 'TREE PAYMENT - Nyukin Totsugo Zero VAce' (hereinafter 'the Service'), officially launched on March 25, 2026.

This service enables the visualization and management of bank transfer payment information in near real-time. It automates the reconciliation process between payment data and contracts—a task previously performed manually—thereby reducing the need for manual verification.

The service was implemented at Sumitomo Life Insurance Company on the same day.

(*1) GMO Epsilon is a consolidated subsidiary of GMO Payment Gateway, Inc.

(*2) TREE PAYMENT is a registered trademark of CSS and Densan System Co., Ltd.

(*3) The service name 'Nyukin Totsugo Zero VAce' is currently pending trademark registration.

Overview of 'TREE PAYMENT - Nyukin Totsugo Zero VAce'

'TREE PAYMENT - Nyukin Totsugo Zero VAce' is a payment management service developed by combining CSS's long-standing expertise in bank transfer operations with the 'fincode byGMO' online payment infrastructure provided by GMO Epsilon. By automatically issuing dedicated virtual bank accounts for each payment transaction, the service allows for near real-time visualization and management of bank transfer data.

Key Features:

• Automatic issuance of dedicated virtual accounts per billing/contract.

• Real-time visualization of payment status and discrepancies (over/underpayments).

• Centralized management and search functionality via status tracking.

These features enable the automatic linking of payment information to contracts, even for bank transfers that previously required manual verification.

Benefits of Implementation

In standard bank transfers, the remitter can arbitrarily set the transfer name, making it difficult to identify the transaction or customer based on transfer information alone. This is particularly challenging with unexpected payments, as manual verification is required, leading to increased workloads and processing delays. These issues are common across various industries and company sizes, hindering the efficiency of payment management.

The introduction of this service enables:

• Automation of reconciliation between payment information and contracts.

• Improved response speed through immediate visibility of payment status.

Future Outlook

Through this collaboration, CSS and GMO Epsilon have achieved the digital transformation (DX) of operations that were previously difficult to digitize. Following the implementation at Sumitomo Life, the companies aim to support a wide range of businesses, including those in the finance and insurance sectors, in streamlining and optimizing their entire payment management processes—including handling unexpected or exceptional payments—thereby enhancing corporate value through back-office DX.