Getting Started

Welcome to the KOMOJU API documentation.

KOMOJU is a payment gateway which supports all major payment methods in Japan, Korea and Europe. We offer a RESTful API and a Hosted Page for easy integrations. We also offer technical support in both English and Japanese to help you get started.

In accordance with card scheme regulations, merchants must be PCI-DSS certified in order to store credit card numbers or are required to operate without storing card numbers. At this time, we are not able to provide you with REST API access until verifying your PCI certification status. If you do not plan to become PCI DSS certified, we recommend that you use either our Hosted page or our Multipay options. If you have any questions, please reach out to us via our contact form or contact your account manager..

Create an account

Test mode

The purpose of the test mode is to demonstrate all the functionality the live mode provides to aid in integration with the KOMOJU platform. You can create an account and begin testing by signing up. Once you've created an account you can access the test mode using the following URL:

Live mode

Users can apply for live mode access through their account. You will need to provide details about your company, where you plan to use KOMOJU, and which payment methods you would like to use. Once you have been approved we will provide you credentials for a live mode with access to live payments.

For general account enquiries, you can reach us using the KOMOJU contact form.

Payment Method List

List of supported payment methods

KOMOJU supports multiple payment methods, which are outlined below.

Japan

Logo Name Slug Currency (Processing) Currency (Settlement) Minimum Value Maximum Value
VisaMastercard Visa / MasterCard credit_card JPY JPY 1 JPY Depending on card limit
JcbAmericanexpressDiners club Amex / Diners / JCB credit_card JPY JPY 1 JPY Depending on card limit
daily-yamazakifamily-martlawsonministopseicomartseven-eleven Konbini konbini JPY JPY 1 JPY 300,000 JPY
pay-easy Pay-Easy pay_easy JPY JPY 1 JPY 300,000 JPY
line-pay LINE Pay linepay JPY JPY 1 JPY 1,000,000 JPY
merpay Merpay merpay JPY JPY 1 JPY 1,000,000 JPY
paypay PayPay paypay JPY JPY 1 JPY 1,000,000 JPY
web-money WebMoney web_money JPY JPY 1 JPY 20,000 JPY
bit-cash BitCash bit_cash JPY JPY 1 JPY 20,000 JPY
net-cash NET CASH net_cash JPY JPY 1 JPY 20,000 JPY
bank-transfer Bank Transfer (Domestic) bank_transfer JPY JPY 1 JPY No upper limit
audocomosoftbank Carrier Billing japan_mobile JPY JPY 1 JPY 100,000 JPY

Korea

Logo Name Slug Currency (Processing) Currency (Settlement) Minimum Value Maximum Value
krcard Local Credit Card credit_card KRW USD 1 KRW Depending on card limit
toss Toss toss KRW USD 1 KRW 2,000,000 KRW
payco PAYCO payco KRW USD 1 KRW Depending on wallet limit
culturevoucher Culture Voucher culture_voucher KRW USD 1 KRW 50,000 KRW
happymoney Happy Money happy_money KRW USD 1 KRW 50,000 KRW
koreamobile Carrier Billing mobile KRW USD 1 KRW Depending on mobile carrier

Europe

Logo Name Slug Currency (Processing) Currency (Settlement) Minimum Value Maximum Value
ideal iDEAL (Netherlands) ideal EUR EUR 0.01 EUR Depending on customer's bank
bancontact Bancontact (Belgium) bancontact EUR EUR 0.01 EUR No upper limit
giropay Giropay (Germany) giropay EUR EUR 1.00 EUR No upper limit
eps EPS (Austria) eps EUR EUR 1.00 EUR No upper limit
blik BLIK (Poland) blik PLN PLN 0.01 PLN 10.000 PLN
przelew24 Przelewy24 (Poland) przelewy24 PLN PLN 0.01 PLN 55,000 PLN
mb Multibanco (Portugal) multibanco EUR EUR 0.01 EUR 99,999.99 EUR
mybank MyBank (Italy) mybank EUR EUR 0.01 EUR Depending on customer's bank
sofort Sofort (EU) sofortbanking EUR EUR 1 EUR 5,000 EUR
paysafecard Paysafecard (EU) paysafecard EUR EUR 0.01 EUR 100 EUR
paysafecash Paysafecash (EU) paysafecash EUR EUR 0.01 EUR 999.99 EUR

China

Logo Name Slug Currency (Processing) Currency (Settlement) Minimum Value Maximum Value
toss Alipay alipay USD, EUR USD, EUR 0.1 CNY Depending on card limit
toss WeChat Pay wechatpay USD, EUR USD, EUR 0.1 CNY 300,000 per transaction
payco UnionPay unionpay USD, EUR USD, EUR 0.1 CNY 500,000 per card, per day

Payment Method Overview

Japan

Credit Card

Our credit card gateway supports Visa, MasterCard, American Express and JCB for local acquiring in Japan. Increase your authorisation rates by using our local acquiring platform. Our credit card processing is only available in JPY (Japanese Yen), and the merchant must be registered in Japan in order to use this payment method.

Convenience Store (Konbini)

KOMOJU handles delayed payment options, including Konbini, which is very popular in Japan for its security, anonymity and convenience.

Payments can be made at the following stores:

English Name Japanese Name API Value
Daily Yamazaki デイリーヤマザキ daily-yamazaki
Family Mart ファミリーマート family-mart
Lawson ローソン lawson
Ministop ミニストップ ministop
Seicomart セイコーマート seicomart
7-Eleven セブンイレブン seven-eleven

When the customer pays at the store for a convenience store purchase, they are charged a fixed processing fee which is standard in Japan.

Prepaid Cards

KOMOJU supports various prepaid cards and online wallets. Currently our system supports BitCash, NET CASH and Webmoney. These prepaid cards can be purchased at many stores here in Japan. Prepaid cards are popular for sites relating to games, anime, manga, etc.

Bank Transfer

Bank Transfer is an electronic funds transfer between two bank accounts. This payment option is popular with customers making large payments. Customers can either remit at an ATM or via online banking to complete the payment process.

PayEasy

PayEasy Japan has 7.5 million registered users and is completely seperate from PayEasy international. We work closely with the PayEasy team and they regularly feature our clients in targeted promotions to their user database.

Like Convenience Store payments, the customer is charged a fixed processing fee when they pay for a PayEasy purchase.

Mobile Payments

We support these mobile payments.

Korea

Credit Card

Our Korean credit card processing supports all major local card brands in Korea, and co-branded international card brands. Our Korean credit card gateway supports KRW processing, and supports all the local authentication mechanisms for optimal security.

Toss

Toss is a popular mobile wallet that is used by many Korean consumers. Toss allows the consumer to pay by bank, credit card or balance. The payment process is completed by scanning a QR code or entering the associated mobile number. Toss rewards its users with points whenever they use the Toss app.

Payco

Payco is a mobile wallet in Korea that is similar to Toss. By scanning a QR code, the customer can complete the payments in real-time. Payco can also be used for POS payments or payments through Samsung Pay.

Culture Voucher

Culture Voucher is a popular online payment method for digital goods in Korea. It requires the user to register an account and recharge the card points before making a payment. Culture Voucher is often used for digital goods and contents such as games, music, DVDs and video services.

Happy Money

Happy Money is a similar type of payment method like Culture Voucher, where the customer purchases pre-paid vouchers which can then be used to make online purchases. This payment method is popular for the purchase of digital goods and services and caters to a younger audience.

Carrier Billing

Carrier billing uses the customers mobile phone bill to complete a payment. Carrier billing can be used with the major Korean carriers and can be used as an alternative payment method.

Europe

iDEAL

iDEAL, launched in 2005, provides a payment guarantee to merchants while enabling consumers to pay online through their mobile banking app or online bank account. iDEAL is based on the SEPA credit transfer and seamlessly integrates with the online banking systems offered by banks. It is now the most successful and most used payment method in the Netherlands, experiencing continuous growth; in 2020, a 25% year on year increase led to 890 million transactions totalling EUR 70 billion (Dutch Payments Association).

Bancontact

Founded in 1989, and now a brand from the Bancontact Payconiq Company, Bancontact makes it possible to pay directly through the online payment systems of all major Belgian banks for customers with Bancontact payment cards. Bancontact is the Belgian market leader in electronic payment services, with 20 Belgian banks issuing Bancontact cards. At checkout, the consumer enters their card details or scans the QR code, then authorises payment.

Giropay

With giropay, consumers are using their bank's secure online banking: their bank account information and transaction details remain fully protected and secure. When consumers check out, they can use giropay directly without any additional registration. According to giropay, the payment method supports nearly all banks in Germany, and there are over 45 million online banking customers who use it (54% overall population).

EPS

The main bank transfer payment method in Austria is eps, developed jointly by Austrian banks and the government, enabling consumers to pay securely for online purchases using their own trusted online bank. With 83% of Austrians shopping cross border and bank transfer the preferred payment method in Austria, eps is a critical payment method in the DACH region.

Blik

Introduced in 2015, and created and developed in Poland, BLIK is a must-have local payment method for e-commerce sites in Poland. BLIK is a mobile payment service with a unique model of cooperation between banks, payment acquirers and merchants. BLIK is available to smartphone users who have installed mobile banking apps from participating banks. The consumer provides their BLIK code to authenticate in the BLIK system and confirms payment within their banking app.

Przelewy24

Founded in 2004, Przelewy24 is a Poland-based real-time online bank transfer payment method, often referred to as P24. Przelewy24 operates in partnership with all Polish banks.

Multibanco

Owned and operated by Sociedade Interbancária de Serviços S.A., or SIBS, Multibanco enables consumers to pay by bank transfer or with a Multibanco card at an ATM. Multibanco is available at over 11,000 machines spread across the country in strategic spots such as supermarkets, airports, museums, stations, banks and malls. Multibanco is a core payment method for Portuguese consumers, where they can use Multibanco to pay for a range of goods/services including e-commerce, licences and taxes.

MyBank

Operated by PRETA S.A.S, MyBank is owned by EBA Clearing, a provider of pan-European payment infrastructure services controlled by 52 banks. MyBank enables consumers to pay directly from their online banking through an immediate bank transfer - with the highest security and transparency standards. MyBank is available on a wide range of sites for the purchase of products, services and for payments towards public administration entities. MyBank positions itself as a flexible solution for both B2B and B2C businesses: over 210 banks and PSPs have joined the MyBank network throughout Europe.

Sofort

Sofort GmbH has been part of the Klarna Group since 2014. In August 2017, Klarna made major changes to their design and visually integrated the Sofortüberweisung payment method into the Klarna product range. With Sofort, security-conscious consumers use their own online banking details, entered through the secure payment page of Sofort. Once logged in, a one-time confirmation code is used by the consumer to authorise payment.

Paysafecard

paysafecard is a prepaid, online payment method based on vouchers, which are independent of bank account, credit card, or other personal details. paysafecard operates a dense distribution network, with over 660,000 points of sale across 50 countries. Vouchers are available at top tier sales outlets, which vary by country, including: 7-Eleven, OXXO, Shell, Statoil and SPAR. With the search feature on the paysafecard site or the app, consumers can find the nearest sales outlet quickly and easily.

Paysafecash

Paysafecash ‘brings cash online’, enabling consumers who want to pay online easily and safely using cash. It makes online shopping possible for underbanked consumers who do not have credit cards nor bank accounts, and for those who do not want to disclose sensitive financial data. With Paysafecash, it’s as easy as 1-2-3: consumers check out, log in to get a barcode and find a payment point to settle transactions in cash. Paysafecash payment points include convenience stores, kiosks, petrol stations and post offices.

China

Alipay

As the most popular online wallet in China, Alipay hold over 55% of mainland Chinese wallet market share ( iResearch Consulting Group) and count over 1.3 billion active users as of March 2020 (Alipay). According to Alipay, as of June 2020, the company had processed USD 17 trillion worth of transactions in mainland China over the course of a year. Mainland Chinese consumers increasingly buy from global brands, especially in the luxury, retail and international travel segments. A must for brands who want to attract mainland Chinese consumers, Alipay’s frictionless user experience unlocks a high conversion rate at checkout.

WeChat Pay

One of China’s leading online wallets, WeChat Pay holds over 38% of mainland Chinese wallet share (iResearch Group) and counts over 800 million active users (Tencent). WeChat Pay supports e-commerce, peer-to-peer and online payments, as well as in-store transactions and cash withdrawals. Global brands are gaining huge popularity in China, and WeChat Pay is a must for brands who want to attract online mainland Chinese consumers. With Native Pay, the consumer scans the QR code with their WeChat app and authorises payment.

UnionPay

With more than 7.5 billion cards issued globally, UnionPay (also known as China UnionPay and its subsidiary, UnionPay International), is the largest card network in the world and the most commonly accepted payment method in mainland China. This card base opens up a huge opportunity for merchants to sell to consumers across more than 50 UnionPay card-issuing countries. The UnionPay mobile app supports QR code payments and is available to residents of China, Hong Kong and Macau.

Settlement & Currency Conversion

KOMOJU supports two payout cycles, weekly and monthly. Transaction proceeds will be settled in the settlement currency indicated in the table above. If the processing currency is different from the settlement currency, KOMOJU will convert the funds using the interbank rate indicated on the date of settlement, marked up with a margin of 3%.

You may find the respective reference rate on the following URL: https://www1.oanda.com/currency/converter/.

Depending on your agreement, your agreed settlement and conversion conditions may differ from our standard policy. Please refer to your account manager for further details.

Please note that your bank may incur additional fees for processing foreign currency remittances.