What is the regular fee for Finto card payment service?

The standard rate is 2.5%, but it will be reduced to 1.9% from July 14 to October 31, 2026.

Is this support program available for non-restaurant businesses?

This special discount is currently limited to restaurant operators only.

How can a company become a sponsor partner?

Apply via the form, and we’ll discuss collaboration details individually. No fees are required.

Torabox Launches Short-Term Cash Flow Support for Restaurant Businesses with Reduced Fees on 'Finto Card Payment Later' Following Zen-Toshin Bankruptcy

Published Jul 14, 2026 8:46 PM ・ Updated Jul 15, 2026 3:04 AM ・ 10 min read ・ Source: PR TIMES

Torabox Co., Ltd. is reducing fees on its 'Finto Card Payment Later' service to support restaurant operators facing cash flow difficulties due to the bankruptcy of payment processor Zen-Toshin, offering a special rate of 1.9% from July 14 to October 31, 2026.

Torabox Co., Ltd. (Headquarters: Shibuya, Tokyo; President & CEO: Takuya Minagawa; hereinafter "Torabox") announces a fee reduction for its 'Finto Card Payment Later' service in response to the bankruptcy filing of Zentoshin Co., Ltd., a credit card payment processing provider, to support restaurant businesses experiencing financial instability.

Background

Zentoshin Co., Ltd., which provides credit card payment processing services, has initiated bankruptcy proceedings, resulting in unpaid sales revenue for merchants—particularly impacting the restaurant industry. To support restaurant operators affected by these cash flow challenges, Finto is offering preferential pricing on its 'Finto Card Payment Later' service, which allows businesses to delay payments for purchases, thereby helping stabilize their financial operations.

Overview of 'Short-Term Cash Flow Improvement Support'

- Target: Restaurant operators - Details: Reduce the transaction fee for 'Finto Card Payment Later' from the standard rate (2.5%) to a special discounted rate (1.9%) - Period: July 14, 2026 – October 31, 2026 - Service details: https://finto.jp/bpsp/zentoshin?trcd=ZTS0000001 - How to apply: Apply via the URL below

https://user.finto.jp/signup?plan=BASIC&trcd=ZTS0000001

※ After application, a standard verification process applies. Some invoices may not qualify for the service.

What is 'Finto Card Payment Later'?

'Finto Card Payment Later' is a service that converts bank transfer-invoiced payments into credit card payments (invoice card payments), effectively extending the payment deadline by up to 60 days and improving corporate cash flow.

Learn more about Finto Card Payment Later (Invoice Card Payment)

When to Use for Cash Flow Management

This service helps stabilize cash flow by adjusting payment timing to suppliers for businesses affected by delayed or missing revenue deposits.

Use Case Examples

- [Delaying payments for ingredients, materials, and supplies] Alleviate cash flow gaps by adjusting supplier payment timing, even when incoming funds are uncertain

- [Consolidating payments to multiple suppliers via card settlement] Smooth out cash flow by bundling and delaying multiple payment dates

- [Emergency response during temporary cash flow deterioration] Reduce payment-side burden while awaiting revenue recovery or transition to alternative services

※ Please note this is not a direct solution for already unpaid sales revenue. Consider this as one option for improving cash flow.

Service Details

https://finto.jp/bpsp/zentoshin?trcd=ZTS0000001

※ For inquiries regarding contracts with Zentoshin, unpaid sales, debt collection, or bankruptcy proceedings, we are unable to assist. Please contact the bankruptcy trustee or a legal professional directly.

Call for Sponsor Partners in the 'Restaurant Cash Flow Support Program'

As restaurant operators face increasing procurement and payment challenges, Finto aims to expand this support beyond a single-company initiative by collaborating with businesses that support the restaurant industry.

We are now inviting companies that provide services or products to support restaurants to join as 'Sponsor Partners' (e.g., wholesale food suppliers, kitchen equipment vendors, alcohol distributors).

Sponsor Partners will jointly promote their support initiatives to ensure information reaches restaurants in need.

※ Sponsorship is free of charge. No monetary exchange or customer data sharing is involved.

※ Specific communication and outreach methods will be discussed individually with each applying company.

▶ Inquiry and application: https://forms.gle/5xfPxnxQembQVXJb9

About 'Finto' – Payment Platform / Cloud Invoice Management

Finto is a 'payment platform / cloud invoice management' service operated by Torabox Co., Ltd., a group company of Visional Co., Ltd. (listed on the Tokyo Prime Market). It streamlines daily billing and payment operations and expands financing options by leveraging receivables and deferred payments.

About Torabox Co., Ltd.

- Headquarters: Shibuya Cross Tower 12F, 2-15-1 Shibuya, Shibuya-ku, Tokyo 150-0002 - Representative: President & CEO Takuya Minagawa - Founded: March 3, 2000 - Capital: 55 million yen - Business: Operation of logistics DX platform 'TRABOX' and cloud invoice management / payment platform 'Finto' - URL: https://www.trabox.co.jp/ - Group Company: Visional Co., Ltd.

About Visional

With the group mission of 'Unlocking new possibilities, one after another,' Visional drives digital transformation (DX) across industries, primarily in HR Tech. It operates recruitment platforms like 'BizReach,' internal talent scouting tools to prevent employee attrition ('Internal BizReach'), and the 'HRMOS' human capital utilization platform, aiming to build corporate human capital data platforms. Visional also continuously launches new ventures in M&A, logistics tech, and cybersecurity.

- URL: https://www.visional.inc/

FACT BOX

Source: PR TIMES
Category: キャンペーン
Products / services: Finto / TRABOX