Hello Co., Ltd. announces that its payment terminal service for Respo, "RespoPay," has achieved industry-leading low payment processing rates.
The Small Business Plan — available to small and medium-sized businesses — offers rates starting at 1.88% for Visa / Mastercard / UnionPay, while the Standard Plan for general restaurant operators starts at 2.48%. Both plans achieve industry-leading low rates. Setup fees, terminal fees, monthly fees, and transfer fees are all ¥0.
https://respo.autoreserve.com/ja-jp/payment-terminal
Related Announcement
Announced Today: Hello Co., Ltd. Officially Launches Payment Processing Service "HelloPay"
RespoPay is able to offer industry-leading low rates because Hello Co., Ltd. owns and operates its own payment processing infrastructure, "HelloPay." On the same day, HelloPay has been officially opened to all businesses and developers outside the Hello Group. RespoPay is the first proof of HelloPay's full potential.
▶ HelloPay details: https://prtimes.jp/main/html/rd/p/000000071.000056009.html
Background
As cashless payments continue to spread rapidly across the food service industry, restaurant operators have long struggled with two persistent challenges: high terminal costs and excessive payment processing fees.
In response, Hello Co., Ltd. has leveraged HelloPay — its proprietary payment processing infrastructure — to deliver industry-leading rates through RespoPay. Terminal hardware is also provided at no cost, directly addressing the challenge of upfront equipment expenses. At a time when payment processing fees are rising across the industry, we are committed to offering restaurants a better option — one that protects their bottom line.
What Is RespoPay?
RespoPay is a cashless payment service fully integrated into "Respo," the all-in-one platform for restaurants. Reservations, POS, mobile ordering, billing, and payments can all be managed within Respo in one seamless workflow.
Why HelloPay's infrastructure enables RespoPay's industry-leading rates
HelloPay is a comprehensive payment processing service covering everything from online payments (API, Checkout, SDK) to offline in-store terminal payments. RespoPay brings all of HelloPay's capabilities to the restaurant floor, fully optimized for day-to-day restaurant operations. Because we own and operate our own payment infrastructure, we eliminate unnecessary intermediary margins — making industry-leading rates possible.
Industry-Leading Payment Rates (based on Company research)
▼ Small Business Plan (for SMBs; conditions apply, including annual cashless transaction volume under ¥30 million)
- Visa / Mastercard / UnionPay: 1.88%~ (industry-leading)
- JCB / AMEX / DinersClub / DISCOVER: 2.50%~
- PayPay: 2.95%~
- UnionPay QR / WeChat Pay / Alipay: 2.20%~
▼ Standard Plan (for general restaurant operators)
- Visa / Mastercard / UnionPay: 2.48%~ (industry-leading)
- JCB / AMEX / DinersClub / DISCOVER: 3.15%~
- PayPay: 2.95%~
- UnionPay QR / WeChat Pay / Alipay: 2.20%~
▼ Comparison with Competitors (based on Company research)
- Visa / Mastercard / UnionPay — RespoPay: 1.88%~ / Company A: 2.28%~ / Company B: 2.50%~
- JCB / AMEX / DinersClub / DISCOVER — RespoPay: 2.50%~ / Company A: 2.38%~ / Company B: 2.50%~
Pricing
Everything except the processing fee is free.
- Setup fee: ¥0
- Terminal fee: ¥0
- Monthly fee: ¥0
- Transfer fee: ¥0
Payment Terminal Features (Go Cashless with a Single Device)
- Multi-payment support — Accepts credit cards and QR code payments. One terminal covers all major brands.
- Built-in printer — Print receipts directly from the terminal, reducing checkout friction.
- Pay anywhere — 4G connectivity means no Wi-Fi needed — take the terminal right to the table. Long battery life included.
- Intuitive touchscreen — Large touchscreen display for smooth, stress-free operation.
Pair with Respo POS for Even Greater Efficiency
When used with the Respo POS register, billing amounts are automatically synced to RespoPay — eliminating manual re-entry and reducing the risk of input errors. By handling reservations, orders, billing, and payments all within Respo, staff workloads are significantly reduced.
Settlement Cycle
Settlements are processed 2–4 times per month for reliable cash flow management.
- 1st–15th of the month → Transferred by end of the same month
- 16th–end of the month → Transferred by the 15th of the following month
※ Weekly settlement cycles are also available upon request.
Comment from Hello Co., Ltd. CEO Yuki Hariguchi
"Restaurant owners shouldn't have to spend their time worrying about payment processing fees. That's the conviction behind RespoPay. Because we own HelloPay — our own payment infrastructure — we can deliver industry-leading rates directly to restaurants without relying on intermediaries. At a time when processing fees are rising across the industry, we have deliberately chosen to go in the opposite direction. Our mission is to create an environment where restaurant operators can keep more of their hard-earned revenue and focus entirely on what they do best: making great food."
