GMO Payment Gateway Partners with LayerX to Provide Card Payment Processing Function for "Bakuraku Invoice Issuance"

GMO Payment Gateway, Inc. (President & CEO: Issei Aiura; hereinafter "GMO-PG"), a member of the GMO Internet Group, will provide card payment processing functionality to "Bakuraku Invoice Issuance," an AI invoice sending system offered by LayerX Inc. (CEO: Yoshinori Fukushima; hereinafter "LayerX"). This will support the provision of a "Card Payment Option" within "Bakuraku Invoice Issuance," enabling credit card payments for invoices. This option will be available starting April 1, 2026 (Wednesday).

Through this partnership, LayerX will expand payment methods on its platform and enhance the added value of its invoicing and payment functions. As a result, companies using "Bakuraku Invoice Issuance" will be able to streamline their invoicing and payment operations, reduce accounts receivable risk, and gain flexibility in cash management by utilizing card payments.

GMO-PG will continue to support increased flexibility in payments for B2B transactions through various initiatives, including providing various payment services to platform operators.

【Background and Overview】

In recent years, the business environment surrounding companies has become increasingly severe due to external factors such as the depreciation of the yen, rising prices, increasing interest rates, and structural labor shortages. In this environment, companies are required to shift their management focus from conventional cost reduction to enhancing added value and labor productivity through aggressive capital investment and digitalization. (※1)

Against the backdrop of these changes in the business environment, LayerX, an AI company with the mission of "digitizing all economic activities," supports the efficiency of corporate back-office operations through its AI cloud "Bakuraku" business for back offices. "Bakuraku Invoice Issuance" provides an invoice issuance system that allows for the creation, sending, and storage of various documents, including invoices, achieving operational efficiency, paperless operations, and compliance with legal requirements simultaneously.

Meanwhile, GMO-PG, as one of Japan's largest PSPs (Payment Service Providers) with over 22 trillion yen in annual payment processing volume (※2), develops various FinTech solutions centered on payments. In the B2B payment domain, it has provided its own services such as the comprehensive online payment service "PG Multi-Payment Service," "Invoice Card Payment byGMO," "GMO BtoB Accounts Receivable Guarantee," and "GMO BtoB Early Payment," supporting the expansion of payment methods and stabilization of cash flow in B2B transactions. Leveraging the payment know-how cultivated through these initiatives, GMO-PG also supports the functional expansion and revenue generation opportunities of partner companies' products and businesses by providing various payment services.

This time, GMO-PG will provide card payment processing functionality to "Bakuraku Invoice Issuance" offered by LayerX, supporting the provision of a "Card Payment Option." Through this partnership, LayerX will enable credit card payments for invoices within "Bakuraku Invoice Issuance," expanding the payment methods available on its platform.

（※1）SME Agency "Overview of the 2025 White Paper on Small and Medium Enterprises"

　　　URL： https://www.chusho.meti.go.jp/pamflet/hakusyo/2025/chusho/gaiyo.html

（※2）As of the end of December 2025, consolidated figures

【About the "Card Payment Option"】（URL： https://bakuraku.jp/doc-issue/function/bpsp/ ）

This option is a feature that allows businesses to flexibly set whether credit card payments are available for each invoice issued on "Bakuraku Invoice Issuance." Businesses can start issuing "card-payable invoices" as quickly as the same day (※3) without incurring system development costs.

Seller companies can expand their invoice payment methods by utilizing credit card payments, leading to more efficient accounts receivable collection and reduced risk of uncollected debts.

On the other hand, buyer companies can utilize the period until the card company's withdrawal date, allowing for flexibility in managing their hand-held funds while adhering to payment deadlines, contributing to improved cash flow.

（※3）Subject to LayerX's prescribed screening and procedural status.

【About "Bakuraku Invoice Issuance"】（URL： https://bakuraku.jp/doc-issue/ ）

"Bakuraku Invoice Issuance" is a document issuance system that enables the creation, sending, and storage of various documents, including invoices. It supports the Invoice System and the Electronic Bookkeeping Act, simultaneously achieving operational efficiency, paperless operations, and legal compliance.

【About LayerX Inc.】（URL： https://layerx.co.jp/ ）

LayerX is an AI company with the mission of "digitizing all economic activities." Through a combination of businesses such as the AI cloud "Bakuraku" for back offices, FinTech business, and the enterprise AI platform "Ai Workforce" business, LayerX aims to solve social issues in Japan and create a future where people's creativity can be further unleashed through the power of AI.

【About GMO Payment Gateway, Inc.】

GMO Payment Gateway provides payment-centric services that support online, cashless, and DX initiatives. Its annual payment processing volume exceeds 22 trillion yen, and its comprehensive online payment service has been adopted by over 150,000 merchants, including e-commerce businesses and public institutions such as NHK and the National Tax Agency.

As a leading company in the payment industry, GMO-PG will continue to drive social innovation with payment and financial technologies, including comprehensive online payment services, in-person payment services, post-payment/BNPL (Buy Now Pay Later), BaaS support for financial institutions and operating companies, and strategic investments in cutting-edge overseas FinTech companies, contributing to the realization of a sustainable society and the progress and development of society. (As of the end of December 2025, consolidated figures)

End

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【GMO Payment Gateway, Inc.】（URL： https://www.gmo-pg.com/ ）

Company Name　　GMO Payment Gateway, Inc. (TSE Prime Market, Securities Code: 3769)

Location　　1-2-3 Dogenzaka, Shibuya-ku, Tokyo, Shibuya Fukuras

Representative　　Issei Aiura, President & CEO

Business Activities　　■Comprehensive payment-related services and financial-related services

Capital　　13,323 million yen

【GMO Internet Group, Inc.】（URL： https://group.gmo/ ）

Company Name　　GMO Internet Group, Inc. (TSE Prime Market, Securities Code: 9449)

Location　　Cerulean Tower, 26-1 Sakuragaoka-cho, Shibuya-ku, Tokyo

Representative　　Masatoshi Kumagai, Representative Director, Group CEO

Business Activities　　Holding company (Group management functions)

　　　　　　■Group Business Activities

　　　　　　　Internet Infrastructure Business

　　　　　　　Internet Security Business

　　　　　　　Internet Advertising & Media Business

　　　　　　　Internet Financial Business

　　　　　　　Crypto Assets Business

Capital　　5 billion yen

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