Note: This article covers GMO Epsilon, a Japanese payment processing service whose supported payment methods and pricing are specific to merchants and customers in Japan. The information below will not be relevant if you are not selling in the Japanese market.
GMO Epsilon is a payment processing service that supports the all-in-one setup of a wide range of payment methods, including credit cards, bank transfers, and e-money. If you're considering adding a payment method to your online store, you may be looking into GMO Epsilon as an option.
However, some people may not be sure whether it's the right service for their business without understanding GMO Epsilon's features and benefits.
This article explains in detail GMO Epsilon's features, benefits and drawbacks, and pricing plans. It also covers optional services and support, so if you'd like to learn more about GMO Epsilon, please use this as a reference.
What Is GMO Epsilon?
Image source: GMO Epsilon
GMO Epsilon is a payment processing service that lets you set up a wide range of payment methods at once, including credit cards, convenience-store payment, and online bank transfer. Setup and transaction processing are free, and it has been adopted by over 42,000 companies to date.
Beyond payment processing, it also offers a variety of its own services, including shipping and financing services.
Reference: GMO Epsilon
※ This information is current as of July 2025.
Features of GMO Epsilon
Here are GMO Epsilon's key features.
A wide range of payment methods available
Image source: GMO Epsilon
The payment methods available through GMO Epsilon are as follows.
- Credit card payment
- Convenience store payment
- Online bank transfer
- PayPay
- Cash on delivery
- Buy-now-pay-later
- Bank transfer
- Direct debit
- Mobile carrier billing
As shown above, you can set up a wide variety of payment methods all at once.
No setup fee or transaction processing fee
GMO Epsilon has no setup fee. There's also no transaction processing fee charged per payment. You only pay each payment service's monthly fee and payment processing fee.
※ This information is current as of July 2025.
A wide range of optional services that support online store operations
Image source: GMO Epsilon
Beyond payment processing, GMO Epsilon also offers many optional services that are useful for running an online store.
You can take advantage of more than 10 optional services, including an "Early Payout Service" that shortens the payout cycle across all payment services, an "On-Demand Payout Service" that pays out your sales proceeds in as few as 3 business days, and "Rakuraku Soukin" (easy money transfer), which lets you make bank transfers at a low fee.
Robust security measures
Another strength of GMO Epsilon is its thorough security measures. It holds a number of highly trusted security certifications for protecting customer information, including PCI DSS, Privacy Mark, and ISMS/ISO27001.
Benefits of Using GMO Epsilon
GMO Epsilon offers many benefits. Here, we explain the benefits of using GMO Epsilon.
Set up a wide range of payment methods at once, so you rarely miss a sale
GMO Epsilon lets you set up a wide range of payment methods all at once — not just credit cards and convenience-store payment, but also PayPay, buy-now-pay-later, cash on delivery, and more. Because you can avoid cart abandonment caused by not offering a customer's preferred payment method, you're less likely to miss out on sales to highly motivated buyers.
Affordable pricing makes it accessible even for budget-conscious merchants
With GMO Epsilon, you can set up a wide range of payment methods at once with no setup fee and no transaction processing fee. With other payment processing services, it's not uncommon to be charged a setup fee for screening and building the payment environment, or a transaction processing fee for each payment's processing and communication costs.
While monthly fees and payment processing fees do apply, having no setup fee or transaction processing fee keeps overall costs low. This makes it accessible even for merchants with a limited budget.
※ This information is current as of July 2025.
Optional services help you run a smoother online store
GMO Epsilon also offers a variety of optional services, such as the "Early Payout Service," "installment/revolving payment," and "chargeback guarantee service." Using these options lets you offer customers a more secure and comfortable shopping experience. Some features also help with cash flow and marketing, so taking advantage of the options can help you run your online store more smoothly.
Handle customer personal information with peace of mind
GMO Epsilon holds certifications such as the international security standard PCI DSS and the Privacy Mark, both of which demonstrate that personal information is being properly managed.
Even for an online store handling important customer personal information, you can continue operating without major concerns about a data leak.
Drawbacks of Using GMO Epsilon
Here are the drawbacks of GMO Epsilon.
Each pricing plan only includes a limited set of payment methods
GMO Epsilon has three pricing plans — Beginner, Standard, and Premium — and signing up gives you free use of the payment methods and optional services included in that plan. However, even with the top-tier plan, signing up alone doesn't give you access to every payment method GMO Epsilon offers.
To add a payment method not included in your plan's set, an additional monthly fee and payment processing fee apply. Keep in mind that simply signing up for a pricing plan doesn't give you access to every payment method GMO Epsilon has available.
Mobile carrier billing is available to corporations only
GMO Epsilon's mobile carrier billing is available to corporations only. If you're running your online store as a sole proprietor, you cannot add mobile carrier billing through GMO Epsilon.
Some other payment processing services let both individuals and corporations add mobile carrier billing, so if you're running your online store as a sole proprietor, we recommend considering another service.
※ This information is current as of July 2025.
GMO Epsilon's Pricing Plans
GMO Epsilon's pricing is divided into three plans: "Beginner," "Standard," and "Premium."
| Pricing Plan | Beginner Plan | Standard Plan | Premium Plan |
|---|---|---|---|
| Credit Card Fee | 3.60% | 2.99–3.6% | 2.79–3.19% |
| Setup Fee | ¥0 | ¥0 | ¥0 |
| Transaction Processing Fee | ¥0 | ¥0 | ¥0 |
| Monthly Fee | ¥2,980 | ¥5,980 | ¥9,980 |
| Set Contents | Credit card payment Convenience store payment Early Payout Service 3D Secure authentication support Payment approval notification email Installment/revolving payment service Email link service Cycle by GMO business card |
Credit card payment Convenience store payment Bank transfer PayPay GMO buy-now-pay-later Early Payout Service 3D Secure authentication support Payment approval notification email Installment/revolving payment service Email link service Cycle by GMO business card |
Credit card payment Convenience store payment Bank transfer PayPay GMO buy-now-pay-later Early Payout Service 3D Secure authentication support Payment approval notification email Installment/revolving payment service Email link service Cycle by GMO business card |
Reference: GMO Epsilon
※ This information is current as of July 2025.
If you want to keep costs as low as possible, the Beginner Plan — which covers the minimum required features — is recommended. If you want access to popular payment methods ranging from credit cards to PayPay, or want a lower credit card fee than the Beginner Plan, the Standard Plan is recommended.
If your online store's sales are growing and fees are becoming a significant burden, choosing the Premium Plan — which has the lowest credit card fee — is a good option.
Using a payment service or optional service not included in your plan's set incurs an additional cost. Be sure to check the fees carefully before using them.
GMO Epsilon's Optional Services
GMO Epsilon offers a wide range of optional services, as shown below.
| Optional Service | Overview |
|---|---|
| Installment / Revolving | A service that lets you offer installment and revolving payments |
| Payment Approval Notification Email | A service that notifies both the merchant and the buyer by email of payment approval, in near real time after approval |
| Recurring Billing Service | A service that enables recurring credit card billing |
| Email Link Service | A service that sends buyers a payment URL by email |
| 3D Secure Authentication Support | A service that performs identity verification during credit card payment |
| GMO Buy-Now-Pay-Later (Postcard) | A service that changes the invoice format sent to buyers under GMO's buy-now-pay-later option to a postcard |
| Fraud Detection Service | A service that detects potential fraud before a product is shipped or a service is provided |
| Web Marketing Service | A service that lets professionals handle everything from setting up to running your web advertising |
| Chargeback Guarantee Service | A service that guarantees the billed amount lost to fraud once a chargeback is confirmed |
| Security Code | A service that verifies identity during credit card payment by having the customer enter the 3-digit code printed on the back of the card |
| Early Payout Service | A service that pays out sales proceeds across all payment methods on the fastest available cycle |
| Rakuraku Soukin (Easy Money Transfer) | A service that lets you make bank transfers for things like purchasing costs, office rent, and utility bills at a lower fee than most financial institutions charge |
| On-Demand Payout Service | A service that pays out sales proceeds in as few as 3 business days |
| Sales-Linked Business Card, Cycle by GMO | A sales-linked VISA card available exclusively to merchants using GMO Epsilon's payment service |
※ This information is current as of July 2025.
Using these optional services lets you offer visitors to your online store a more comfortable shopping experience.
Services like the Early Payout Service and On-Demand Payout Service can ease your cash flow, so when using GMO Epsilon, we recommend taking advantage of the optional services as well.
GMO Epsilon's Support System
GMO Epsilon offers support by email or phone.
Customer support contact details are as follows.
Phone: 03-3464-6211 (weekdays, 10:00 AM–5:00 PM)
Email: support@epsilon.jp
A user guide, web specifications, FAQ, and dashboard operation manual are also available, making it easy to resolve questions or concerns even outside customer support hours.
※ This information is current as of July 2025.
GMO Epsilon: A Payment Processing Service with No Setup Fee or Transaction Processing Fee
GMO Epsilon is a payment processing service that lets you set up a wide range of payment methods at once, including credit cards, convenience-store payment, and PayPay. With no setup fee or transaction processing fee at all, you can keep the cost of adding payment methods low.
Beyond payment processing, it also offers optional services useful for running an online store, such as installment/revolving payments, recurring billing, and a chargeback guarantee service.
With robust security, including PCI DSS and Privacy Mark certifications, you can also handle customer personal information with peace of mind.
If you want to keep costs as low as possible while adding popular payment methods to your online store all at once, GMO Epsilon is worth considering.
The blog article below rounds up the payment methods available on Shopify. If you're looking to add more payment methods, please use it as a reference.
