Japan · Payments
A crypto payment gateway for Japanese business — 0.5%.
Let customers pay in dollar-stable USDC on Arbitrum and settle for a flat 0.5%. An alternative to Japanese card interchange, with sub-second settlement, no chargebacks, and no foreign-exchange loss on inbound international customers.
Furlpay lets Japanese businesses accept USDC stablecoin payments on Arbitrum for a flat 0.5% — versus the 3–4% typical of cards once FX is included — with sub-second settlement and no chargebacks. USDC is a legal Electronic Payment Instrument in Japan as of June 2026.
Why Japanese merchants add USDC
0.5%, not 3–4%
Replace card interchange with a flat 0.5%. On ¥100M of annual volume that is roughly ¥3M kept rather than paid to card networks.
No FX on inbound guests
USDC is dollar-stable and borderless, so you avoid currency-conversion costs and declined foreign cards from Japan's 40M+ annual inbound visitors.
Sub-second settlement
Payments finalise on Arbitrum in about a second, not two to four working days, with no rolling reserve held against your balance.
No chargebacks
On-chain payments are final, so you avoid chargeback fraud and dispute fees. You issue refunds deliberately through the API.
Legal clarity
USDC is recognised as an Electronic Payment Instrument under Japanese law, distributed via JFSA-registered intermediaries such as SBI VC Trade — not a grey area.
Open-source SDKs
TypeScript, Python and Rust SDKs, plus webhooks, so your team can integrate and reconcile programmatically.
Model your savings (JPY)
You save
$16,800/ year
$1,400 every month
Estimates only. Card cost = selected rate × volume + per-transaction fee × (volume ÷ average ticket); actual card pricing varies by issuer, category and geography. Furlpay is 0.5% plus roughly $0.001–$0.005 of Arbitrum gas per payment (excluded above as negligible). Live quotes: /api/payments/fees/estimate.
Furlpay is not registered with Japan's Financial Services Agency (JFSA) as a Crypto-Asset Exchange Service Provider or an Electronic Payment Instrument Exchange Service Provider (EPIESP). Since 1 June 2026 USDC is legally recognised in Japan as an Electronic Payment Instrument, distributed through JFSA-registered intermediaries such as SBI VC Trade; Furlpay is evaluating a licensed-intermediary pathway and is not soliciting regulated crypto-asset or stablecoin activity from residents of Japan ahead of registration. Crypto assets are not legal tender, carry risk, and can lose value.
Frequently asked questions
How do Japanese businesses accept crypto payments?
A business adds Furlpay's hosted checkout or API alongside its existing processor. Customers pay in USDC on Arbitrum, the business receives a signed receipt, and funds settle in about a second for 0.5% — with no card form and no chargebacks.
Is Furlpay registered with the JFSA?
Not yet. Furlpay is not registered with Japan's Financial Services Agency as a Crypto-Asset Exchange or EPIESP. USDC is a legal Electronic Payment Instrument distributed via registered intermediaries such as SBI VC Trade; Furlpay is evaluating a licensed-intermediary pathway. Crypto assets can lose value.
How much can a Japanese merchant save versus cards?
Moving eligible payments from 3–4% card-plus-FX costs to a flat 0.5% saves roughly 85% on processing. A business with ¥100M of annual card volume keeps about ¥3M. Use the calculator on this page to model your figure.
Add USDC payments to your Japanese business
Request a demo or model your savings.