Jamm Pay

Jamm (operated by Jamm Inc.) is a Japanese payments company providing an online checkout method that debits funds directly from a consumer's bank account, removing the need for a credit card. Consumers select Jamm among the payment options on a merchant's app or website, approve the payment, and the transaction completes; the service supports both one-off payments and recurring subscription billing.

On the merchant side, Jamm positions itself as a way to capture customers who cannot or prefer not to pay by credit card. It advertises a payment fee of 1.8% (stated to move to 2.2% from 2027), with no initial setup cost and no fixed monthly fee. Payments can be made from 308 connected financial institutions, including Sumitomo Mitsui Banking Corporation, MUFG Bank and Mizuho Bank. Merchants can integrate either through APIs and SDKs — described as implementable in as little as two weeks, with Jamm engineers supporting merchant developers over Slack — or through a no-code route using CSV-based user debits and dashboard-generated payment links.

Business model

Jamm sits between merchants and consumers' bank accounts as an online payment method, monetising through a per-transaction fee charged to merchants (1.8%, stated to rise to 2.2% from 2027) rather than setup or monthly subscription charges.

Transaction-based merchant fees, with zero initial cost and zero fixed monthly cost for merchants.

Traction

The company reports cumulative funding of 650 million yen, 308 connected financial institutions, and merchants using the service, with published testimonials from ME Mobile, PLAYTUNE and Hitooshi.