Merpay
Confidence Likely
Updated 2026-06-24
Review by 2026-12-24
Sources 3 Machine-translated Original (JA) #JapanFG#payments#wallet#funds-transfer#mercari
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Wiki route
This entry sits under Payment firms. Read it with Payments for adjacent context and Funds transfer vs prepaid boundary in Japan for the broader system boundary.
TL;DR
Merpay is the payment and credit operating company of Mercari HD (Mercari, Inc.). Its official About page shows registrations including funds transfer, prepaid payment instruments, comprehensive credit-purchase intermediation, and lending, so it needs a standalone page as the connection point between marketplace balance, wallet, and credit. ✓
1. Entity / license boundary
| Item | Reading |
|---|---|
| Legal entity | Merpay, Inc. |
| Group | Mercari |
| Main lanes | Merpay wallet, Mercari sales-balance payment, funds transfer, credit / lending adjacency |
| FSA registry route | FSA funds-transfer list: Kanto Local Finance Bureau Director 第00057号, Merpay, Inc. ✓ |
| Company-profile registrations | The official About page lists funds transfer, prepaid instruments, card-number merchant-contracting, comprehensive credit-purchase intermediation, lending, and electronic payment agency registrations. ✓ |
2. Business role
- Converts Mercari’s marketplace balance and user identity into payment and credit usage: Mercari’s funds-settlement disclosure describes charging Merpay balance from sales proceeds, bank accounts, and ATM channels, plus using that balance for Mercari purchases and shop payments. ✓
- Bridges C2C marketplace data, code payment, deferred payment, and bank-account withdrawal; the official disclosure frames Merpay as a Type II funds-transfer provider and a third-party prepaid-instrument issuer, so the prepaid / funds-transfer boundary is core to this page. ✓
- Credit and lending adjacency sits beside the wallet rather than inside it: Merpay’s About page separately discloses comprehensive credit-purchase intermediation, certified comprehensive credit-purchase intermediation, lending, and card-number merchant-contracting registrations. ✓
- A comparator against PayPay, Rakuten Pay, au PAY, and d払い — also surfaced in funds-transfer-service-providers-japan-index.
3. Why this standalone page matters
Mercari’s marketplace business and Merpay’s regulated payment / credit business have different risk and compliance questions. This page keeps the financial-service boundary explicit.
Related
Sources
- Merpay About: https://jp.merpay.com/about/
- Mercari Payment Services Act disclosure: https://static.jp.mercari.com/shikin_kessai
- FSA funds transfer service provider list: https://www.fsa.go.jp/menkyo/menkyoj/shikin_idou.pdf
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