Recruit Joins 'Invoice Card Payment Association,' Upgrades 'Invoice Advance Payment Service' to Comply with Guidelines

Recruit Co., Ltd. (Headquarters: Chiyoda-ku, Tokyo; President and CEO: Keiichi Ushida; hereinafter 'Recruit') announces that it has joined the 'Invoice Card Payment Association' and upgraded the operational framework of its business-oriented 'Invoice Advance Payment Service' to comply with the 'Invoice Card Payment Transaction Guidelines' established by the association.

Overview of the Initiative

Recruit's 'Invoice Advance Payment Service' enables businesses to pay invoices via credit card, expanding payment options and supporting flexible payment operations and cash flow management. Even if a trading partner does not accept credit card payments directly, this service can still be used.

In recent years, invoice card payment services have gained popularity as a tool to support corporate and individual entrepreneur cash flow. However, with market expansion, there is an increasing industry-wide demand for enhanced reliability, including fraud prevention and proper review and operational systems.

Recruit endorses the association's mission to strengthen industry trust and has joined accordingly. Alongside this, the company has updated its service operations to align with the association's guidelines, aiming to provide a more secure and trustworthy environment for business users. Additionally, Recruit is offering fee discount incentives for both new and existing customers to promote broader adoption of flexible payment methods.

About the 'Invoice Advance Payment Service'

The 'Invoice Advance Payment Service' allows businesses to settle invoices to trading partners using a credit card. When a business makes a payment via credit card, Recruit conducts a bank transfer to the trading partner on the business's behalf. This enables businesses to delay actual fund withdrawal until their card's payment date.

This service supports uninterrupted payments for procurement, advertising, salaries, and equipment costs—even before sales revenue is received—enabling smoother business continuity and growth.

Additionally, the service now features AI-OCR technology to reduce input burden during application. AI-OCR automatically analyzes invoices uploaded via camera or PDF, extracting and auto-filling transfer details such as financial institution name, branch name, account type, account number, account holder name, and recipient company name. Required documents can also be uploaded online, enabling a fully digital application and submission process.

※AI-OCR refers to technology that uses artificial intelligence to extract text information from images or PDFs and automatically input it into designated fields.

<Service Features>

Fast

Transfers to trading partners can be completed as early as the same day. Since users can apply immediately with their existing credit card, the service is ideal for urgent payments.

Simple

The service supports automatic invoice data extraction via AI-OCR. By analyzing uploaded invoices, it auto-fills transfer details, significantly reducing manual input. All required documents can be submitted online.

Secure

As a service provided and operated by Recruit—a company with a long history of supporting business operations—users can trust the handling of critical financial transactions. By using card payments, businesses can delay actual fund withdrawal by up to 60 days, offering greater cash flow flexibility for pre-revenue payments or unexpected expenses.

Fee Discount Campaign for New and Existing Customers

To encourage broader adoption of the 'Invoice Advance Payment Service,' Recruit is offering fee discount incentives for both new and existing customers.

○ Incentive for New Customers

Period: Until August 31 (Mon), 17:00

Eligibility: New customers

Condition: Fee reduced to 1.5% for first-time use (one-time application only)

○ Incentive for Existing Customers

Period: Until August 31 (Mon), 17:00

Eligibility: Customers who completed a transfer request by July 10, 2026

Condition: Up to ¥10,000 deducted from the fee

Maximum usage: Once

※ Detailed information on customer incentives will be communicated directly to eligible customers or posted on the service website.

'Invoice Advance Payment Service' Website: https://airregi.jp/afpay/

About the 'Invoice Card Payment Association'

In recent years, invoice card payment services have become increasingly popular as a means to support corporate and individual entrepreneur cash flow. However, market growth has also highlighted the need for enhanced security, transparency, and proper review and operational frameworks across the industry. In response, the 'Invoice Card Payment Association' was established by companies offering such services. The association aims to develop the 'Invoice Card Payment Transaction Guidelines' with goals including user protection, fraud prevention, healthy market development, and proper review and operational system establishment.

Comment from the Responsible Executive

Shin Hagiwara (Makoto Hagiwara) ※Available for interviews

Finance Product Management Unit, Recruit Co., Ltd.

'We believe it is essential to support businesses in making necessary payments without delay and seizing business opportunities. Invoice card payments are a business support service that helps manage unexpected expenses and drives growth. We already see many growing companies using this service to maintain advertising investments or secure flexible procurement funds during peak seasons.

Recruit has long partnered with businesses through recruitment, marketing, and operational support. With this update, we have focused not only on creating a safe and secure environment for the invoice card payment service but also on improving user experience—such as reducing input burden with AI-OCR and enabling full online completion—to better serve busy business owners. We will continue to provide services that support business challenges and growth.'

▼ About Recruit

https://www.recruit.co.jp/

▼ Inquiry for this announcement

https://www.recruit.co.jp/support/form/