JCB is Asia's leading international card brand, founded in Japan with more than 150 million cards issued. Through its 20-year partnership with Discover, it is widely accepted across the Americas as well as through its own extensive merchant network throughout Asia.
150M+ cards issued in Japan, JCB, Asia's leading international brand
150M+
Global cardholders
JCB official (conservative)
50M+
Global merchants
JCB official
¥40T+
Annual transaction value processed
JCB official (conservative)
20 years
JCB x Discover partnership
2006-2026
Service coverage
Worldwide, centered on Japan and Asia
Network operator
JCB Co., Ltd.
Last updated
2026-09-15
Payment methods
Hecto Financial integration is provided for online (web/app) payments.
Online payment
Customers enter their JCB card number at web or app checkout, or pay with one click using a saved card, for instant approval.
Recurring/subscription payment
Saved card data (network tokens) can be used to automatically approve recurring charges such as subscriptions and memberships, making it suitable for subscription-based services and SaaS businesses.
Onboarding process
A simple flow completed quickly with just PG integration
01
Merchant application
Apply easily online through Hecto Financial.
02
Review and contract
The contract is signed after merchant information is verified.
03
PG integration
JCB payments are integrated into your website or app checkout.
04
Start accepting payments
Once integration is complete, you can immediately accept JCB card payments worldwide.
Why adopt JCB
A card network that converts the spending power of Japanese and Asian customers into revenue
Japan's leading international card brand
The No. 1 card brand issued in Japan, with more than 150 million cards in circulation.
A proven 20-year Discover partnership
Since 2006, JCB and Discover have had a mutual card acceptance partnership, so JCB cards can also be used as-is at Discover merchants across the Americas.
A proprietary network expanding across Asia
JCB continues to expand its own merchant network in major Asian markets including South Korea, Taiwan, Thailand, and Singapore.
Single domestic contract, settlement in 3 currencies
Adopt JCB with a single contract as a Korean entity, without needing an overseas entity or overseas bank account, and receive settlement in USD, KRW, or JPY as selected in your contract.
Key markets
Representative countries by region where JCB is especially strong
East Asia
Japan · South Korea · Taiwan
Southeast Asia
Thailand · Singapore
Americas
United States
Oceania
Australia
Customer segments you can newly capture
Japanese visitors and resident customers
Broadly capture customers who hold the international brand card most familiar to them in Japan
Travelers and buyers across Asia
Capture travelers and buyers from Asian countries where JCB's own network is expanding, such as South Korea, Taiwan, and Thailand
JCB cardholders traveling in the Americas
Cover travelers who use JCB cards in the Americas through the Discover partner merchant network
Frequently asked questions
Key information about adopting JCB payments
QCan I adopt JCB payments without an overseas entity?
Yes. Integrating through Hecto Financial lets you adopt JCB payments without an overseas entity or overseas bank account.
QHow is JCB different from other card networks?
JCB is Asia's leading international card brand, founded in Japan, with more than 150 million cards issued. Through its 20-year partnership with Discover, it is accepted across the Americas, and it continues to expand its own merchant network throughout Asia, including South Korea, Taiwan, and Thailand.
QHow much is the payment fee?
Merchant fees vary depending on the transaction country, payment type (domestic vs. overseas), and payment gateway contract, and are generally set at typical international card payment fee levels. When integrating through Hecto Financial, fees are negotiated separately based on transaction volume.
QCan an online-only store also adopt this?
Yes. Hecto Financial's global payment service is provided for online (web/app) payments, so you can adopt it even if you only operate online sales channels such as your own store, an open marketplace, or a mobile app. It integrates into web and app checkout via a payment window or API.
QWhat currency is used for settlement?
Customers pay in the currency linked to their card, and after Hecto Financial receives and converts the overseas payment funds, settlement to the Korean merchant is made in USD, KRW, or JPY as selected in the contract. The settlement cycle and exchange rate basis follow the contract terms.
QCan I integrate other card networks (Visa, UnionPay, etc.) as well?
Yes. In addition to JCB, Hecto Financial supports major global card networks such as Visa, Mastercard, American Express, UnionPay, and Diners Club, and can also manage various country-specific local payment methods such as PayPay and Rakuten Pay under a single integrated contract.
Inquire about JCB payment integration
Hecto Financial's global payment specialist team supports the entire process from integration to settlement.
