Hello Co., Ltd. hereby announces the official launch of "HelloPay," a payment processing service built on the same infrastructure the Company has relied on to handle over ¥100 billion in annual transactions.
Our lowest-priced plan offers a flat rate of 2.58% across all card brands (industry-leading). Setup fees and transaction fees are ¥0, with go-live possible in as little as 3–4 business days from application. We are also launching a payment terminal offering — bringing Hello Co., Ltd. fully online as a payment processor covering everything from online payments to in-store cashless payments.
Related Announcement
Announced Today: RespoPay Achieves Industry-Leading Low Payment Processing Rates
What can HelloPay's infrastructure actually deliver? The answer is today's simultaneous announcement of RespoPay. By adapting HelloPay for restaurant operations and integrating it seamlessly with Respo, we have achieved an industry-leading rate of 1.88%+ for Visa / Mastercard. RespoPay is proof of HelloPay's power as infrastructure.
▶ RespoPay details: https://prtimes.jp/main/html/rd/p/000000070.000056009.html
Background
Hello Co., Ltd. is a technology company delivering new businesses built on proprietary AI and deep product development expertise. Through the operation of our own services, we have built and maintained a payment infrastructure entirely in-house — one that today processes over ¥100 billion in transactions annually across the Hello Group.
We are now opening this battle-tested infrastructure to all businesses and developers as "HelloPay." The quality comes from using it ourselves every day. The competitive rates come from eliminating unnecessary intermediary margins from our cost structure.
About HelloFinancial
HelloPay is the first product from "HelloFinancial," Hello Co., Ltd.'s financial services brand.
HelloFinancial launches with the vision of delivering fair, low-cost financial infrastructure to every business. Starting with payment processing, we plan to roll out a series of financial services for businesses — combining transparent fee structures with genuine cost competitiveness, all built on infrastructure proven through real-world in-house use.
About HelloPay
HelloPay is a payment processing service provided by Hello Co., Ltd. Built on an in-house infrastructure that processes over ¥100 billion in transactions per year, HelloPay supports a wide range of payment methods — including credit cards, Apple Pay, and Google Pay — as well as both one-time and subscription-based payments, all managed from a single account. In addition to online payment methods via API, SDK, Checkout, and payment links, HelloPay also supports offline in-store payments via dedicated terminals, covering every payment scenario on one platform. Available at industry-leading rates with ¥0 setup cost.
HelloPay is also deployed within our own restaurant platform "Respo" as "RespoPay" — a specialized payment terminal service tailored specifically for restaurant operations.
Three Strengths of HelloPay
1. Affordable — Industry-Leading Rates
Our lowest-priced plan offers a flat 2.58% across all brands: Visa, Mastercard, JCB, AMEX, Diners, and Discover. Compared to standard plans from competing providers, businesses processing ¥100 million per month could save approximately ¥11 million per year (based on Company estimates). Setup fees and transaction fees: ¥0.
2. Reliable — Infrastructure Proven at ¥100 Billion Scale
HelloPay runs on the same payment infrastructure that powers Hello Group's own services every day, processing over ¥100 billion in annual transactions. The platform is PCI DSS certified, meeting the international security standards of the credit card industry.
3. Fast — Live in as Little as 3–4 Business Days
Visa and Mastercard processing can go live in as few as 3–4 business days from application. A streamlined onboarding process minimizes paperwork, enabling rapid deployment for startups and enterprise-scale businesses alike.
Features
- Payment methods — Visa / Mastercard / JCB / AMEX / Diners / Discover, Apple Pay / Google Pay
- Integration options — API, Checkout (embedded), Mobile SDK (iOS / Android), Payment links
- Platform payments — Supports multi-tenant payment integration for marketplaces, SaaS platforms, and more
- Offline payments (terminal) — Dedicated in-store cashless payment terminal; managed under the same account as online payments
- Security — PCI DSS certified; fraud detection, 3D Secure, Webhook notifications, tokenized payments
- Management tools — Dashboard for revenue, settlements, and billing; multi-account support
Pricing Plans
Setup fees and transaction fees are ¥0 across all plans. Choose from three flexible plans based on your business scale.
Standard Plan — For businesses with monthly revenue under ¥4 million (default plan upon registration)
- Rate (all brands): 3.20%
- Monthly fee: ¥0
- Setup fee: ¥0
- Transaction fee: ¥0
- Settlement cycle: Once per month
Business Plan — For businesses with monthly revenue between ¥4 million and ¥20 million (designed to scale with your growth)
- Rate (all brands): 2.70%
- Monthly fee: ¥15,000
- Setup fee: ¥0
- Transaction fee: ¥0
- Settlement cycle: Twice per month
Enterprise Plan (Lowest Rate) — For businesses with monthly revenue over ¥20 million (industry-leading rates)
- Rate (all brands): 2.58%
- Monthly fee: ¥40,000
- Setup fee: ¥0
- Transaction fee: ¥0
- Settlement cycle: Twice per month
Comment from Hello Co., Ltd. CEO Yuki Hiroguchi
"Payment processing fees quietly but surely shape the cost structure of any business. We have spent years building a payment infrastructure that combines reliability with genuine competitiveness through the operation of our own services. That infrastructure is now available to businesses everywhere. At a time when processing rates are trending upward across the industry, we believe HelloPay has never had more to offer. Our mission is to create an environment where businesses can focus on what they do best — and keep more of what they earn."
Comment from Daisuke Morikawa, Head of HelloFinancial, Hello Co., Ltd.
"HelloPay is the first time Hello has opened its in-house payment infrastructure — honed through running our own businesses — to the world outside our group. We use it ourselves, every day, which is why we stand behind its quality with full confidence. And we can deliver that quality at the most competitive price in the industry. That is HelloFinancial's starting line. HelloPay is just the beginning — we will continue to build out financial services that support businesses at every stage."
