BASE Launches 'PAY.JP Invoice Factoring' to Enable Early Funding of Outstanding Invoices for PAY.JP Merchants

BASE, Inc. (headquartered in Minato-ku, Tokyo; CEO: Yuta Tsuruoka; hereinafter "the Company") announces the launch of "PAY.JP Invoice Factoring," a service enabling merchants of PAY.JP—an online payment service operated by PAY, Inc., a 100% subsidiary of the Company—to monetize invoices issued to their clients at an early stage, starting Wednesday, July 15, 2026.

In conjunction with the launch, a fee-free campaign will be offered from Wednesday, July 15, 2026, to Tuesday, September 15, 2026, during which first-time users can utilize the service at no cost, with fees covered by the Company.

<About "PAY.JP Invoice Factoring">

"PAY.JP Invoice Factoring" is an invoice factoring service that allows PAY.JP merchants to sell their accounts receivable—based on invoices issued to clients—to the Company for early capital access. The Company purchases the invoice and deposits the funded amount into the merchant’s designated bank account as early as the next business day. By enabling early monetization of receivables, this service can support cash flow management in scenarios such as urgent procurement needs due to increased orders or the necessity to pay for inventory before receiving client payments.

Due to intercompany coordination within the BASE Group, the system automatically verifies that applicants are PAY.JP merchants, eliminating the need for identity verification documents. Only two documents are required for application: the invoice and a bank-issued transaction statement. The entire process is completed online.

Since May 2026, the Company has offered invoice factoring under the name "Invoice Factoring" to merchants using BASE, its online store creation platform. Leveraging this experience, the Company provides a reliable support structure, enabling PAY.JP merchants to confidently use the end-to-end process from invoice purchase to fund disbursement.

◾️ Background of Launching "PAY.JP Invoice Factoring"

PAY.JP is an online payment service offering a developer-friendly payment API. With its simple API and extensive libraries, it enables easy integration of payment functionality into web services and mobile applications, serving a wide range of businesses, including startups.

To support merchant financing, PAY.JP already offers "PAY.JP YELL BANK," a funding service that uses AI to evaluate and purchase future receivables based on transaction history, including sales processed through PAY.JP. However, cash flow challenges faced by merchants extend beyond those using online payments and are diverse in nature. Therefore, to address early cash flow needs within merchants’ operations, the Company has introduced "PAY.JP Invoice Factoring" as a new financing option.

Overview of "PAY.JP Invoice Factoring"

Launch Date: Wednesday, July 15, 2026

Eligibility: Merchants using PAY.JP

Dedicated Website: https://app.yellbank.net/invoice-factoring-form/payjp/lp

Fee: 10% of the purchase amount

"PAY.JP Invoice Factoring" can be used in conjunction with the funding service "PAY.JP YELL BANK."

Fee-Free Campaign for First-Time Users of "PAY.JP Invoice Factoring"

To mark the service launch, the Company is offering a fee-free campaign for first-time users during the campaign period.

Campaign Period: Wednesday, July 15, 2026, to Tuesday, September 15, 2026

Details are available on the "PAY.JP Helpful Column" website:

What is PAY.JP Invoice Factoring? A Guide to Usage and Payment Methods

https://pay.jp/column/payjp-invoice-factoring-use

Future Outlook on Financial Products

The Company is currently expanding its financial products both within and beyond the group. Most recently, in March 2026, it began external provision of the funding service "YELL BANK," launching services for "PAYGATE," a multi-payment service operated by Smaregi Inc., and "e-SCOTT Smart Service," a payment gateway operated by SP.LINKS Co., Ltd.

The launch of "PAY.JP Invoice Factoring" for PAY.JP merchants is part of this ongoing initiative.

Moving forward, the Company will continue to enhance cash flow acceleration for businesses through collaboration with internal and external partners, strengthen FinTech product development, and advance comprehensive business support that aligns with customers’ growth.

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○ Online Payment Service "PAY.JP" https://pay.jp

PAY.JP is an online payment service that enables developers to seamlessly integrate payment APIs. With a simple API and rich libraries, it allows easy integration of payment functionality into web services and mobile apps. It offers a transparent pricing structure, including industry-low transaction fees (Visa/Mastercard: from 2.59%), and provides meticulous customer support to ensure smooth onboarding and review processes. The service operates under PCI DSS v4.0.1 security standards, ensuring safe data management. Additionally, through funding services like "PAY.JP YELL BANK" (https://pay.jp/yellbank) and "PAY.JP Invoice Factoring," businesses can flexibly and swiftly access capital essential for growth.

PAY.JP Official X (formerly Twitter) @PAY_JP: https://x.com/PAY_JP