株式会社ペイミー
Tokyo, JP · 10 known investors
Payme is a salary advance service that allows employees to access earned wages before their regular payment date. The service is designed for companies across industries including staffing, food service, logistics, and gig work, offering simple integration with payroll systems and dedicated support.
Also known as Payme · Payme inc. · ペイミー · 株式会社ペイミー
Investors · 10
Also in the syndicate · 8
Company profile
researched Aug 2026株式会社ペイミー (Payme inc.) is a Tokyo-based unlisted company founded in July 2017 that operates "Payme," a salary advance / same-day pay service. The service connects to an employer's attendance data, calculates pay from actual hours worked and allows employees to request a portion of earned wages before payday; the withdrawable ceiling is stated as up to 70% of wages earned to date, and advanced amounts plus fees are offset against the following monthly payroll. Requests made through the Seven Bank deposit-type flow can be submitted 24 hours a day, 365 days a year with immediate transfer. Adoption spans logistics, food service, staffing, cleaning, retail, amusement, call centers and security.
Beyond the core payroll-advance product, the company has added adjacent lines. In September 2023 it announced "セールススクラム AI" (Sales Scrum AI), a generative-AI-native sales support service combining a sales-specific UI/UX for drafting messages, hypothesis-building and new-hire training with prompt designers who handle implementation design. Company profiles also describe a performance-fee recruiting/scouting outsourcing service (ペイミー採用代行) launched from 2024 and announced in March 2025, and 24-hour suitcase- and mourning-wear rental services. The stated mission is "AI Enablement for Workers."
The company is headquartered in Minato-ku, Tokyo (Riviera Minami-Aoyama Building, Minami-Aoyama 3-3-3), with one profile listing an address in Kita-Zawa, Setagaya-ku. Stated capital is 100 million yen. Representative director and CEO is Hiroki Urabe.
Founding story
The company was incorporated on 7 July 2017. Co-founder Michiki Goto, a Keio University graduate born in 1992, had interned at East Ventures and worked at Mercari, CAMPFIRE and DeNA's strategic investment division before founding the company and serving as its first representative director. Co-founder Richiko Mori had built infrastructure and APIs for a major points service and joined CAMPFIRE in December 2014 before co-founding the company. Wantedly lists Hiroki Urabe as founder.
Business model
B2B: employers contract for the Payme salary-advance service, which is positioned as a benefit that improves recruiting response rates and retention. There is no initial implementation cost and no financial screening, and implementation typically takes about one month from application. Employees apply for advances through Payme, which transfers funds to their bank accounts; the advanced amount and Payme's usage fees are offset against the employee's monthly salary. Adjacent lines include the Sales Scrum AI subscription-style sales support product and a performance-fee (成果報酬型) recruiting/scouting outsourcing service.
Fees charged in connection with wage-advance usage, which employers offset against monthly payroll, plus performance-based fees on the recruiting outsourcing service.
Traction
The Payme beta launched in September 2017 and the full version in November 2017. By April 2021 the company reported passing 700 client companies, 7 billion yen in cumulative transaction volume and 160,000 registered employees. As of September 2022 more than 750 companies were reported as users. In September 2023 the company reported roughly 700+ client companies and about 70,000 workers with access to the service, and stated that since May 2023 its main KPIs including transaction volume and revenue had reached record highs since founding. Disclosed financial results include FY ending June 2019 revenue of 36.8 million yen with a net loss of 214.5 million yen, and FY ending June 2022 net loss of 126.7 million yen with accumulated deficit of 352.3 million yen.
Latest developments
In September 2023 Payme raised 400 million yen from World Innovation Lab via a third-party share allotment to launch Sales Scrum AI, a generative-AI sales support service then in beta with a waitlist. In December 2023 it adopted the Securify automated vulnerability scanning tool. In March 2025 it announced a performance-fee candidate-pool formation service for new-graduate and mid-career hiring, and company profiles from 2025-2026 describe an AI-enabled recruiting outsourcing business plus rental services, under the mission "AI Enablement for Workers."
▸Full profile — market position, technology, go-to-market, geography, history, risks & controversies
Market position
An independent Japanese fintech/HR-tech vendor in the salary-advance segment, backed by institutional investors including World Innovation Lab, CyberAgent, MIXI, Incubate Fund, Dream Incubator, CROOZ VENTURES and TLM, and by angel investors. Profiles place it at a pre-Series A / Series A stage with roughly 20 or fewer employees as of recent listings.
Positioned on no initial implementation cost, no financial screening, possible same-day implementation, a simple UI/UX, immediate 24/7 transfers via the Seven Bank deposit model, integrations with multiple attendance and payroll systems, and dedicated ongoing support desks for client companies. The company cites that advertising "same-day pay" or "advance pay" raises job application ratios by an average of 3.7x and reduces turnover.
Technology
The Payme platform integrates with attendance management and payroll systems (including API integration with the KING OF TIME cloud attendance system and CSV export flows) to compute advances from actual hours worked, and uses Seven Bank's real-time transfer function for immediate payouts. It runs on Amazon Web Services data centers, encrypts all communications with SSL/TLS, and holds ISO 27001 (ISMS) certification and the Privacy Mark. Sales Scrum AI is built on generative AI models applied to sales workflows such as research, message and script drafting, and training.
Go-to-market
Direct enterprise sales supported by dedicated post-implementation support channels (email, chat, phone) for client companies, API/CSV integrations with attendance and payroll vendors, bank and HR partnerships as referral channels (Seven Bank, Tokyo Star Bank, SBJ Bank, Interworks, YOLO JAPAN, 400F, 1ne studio), joint webinars with HR SaaS vendors, and beta waitlist registration for the Sales Scrum AI product.
Employers with large hourly or shift-based workforces — food service chains, staffing/temp agencies, retail, call centers, amusement, logistics, cleaning and security — and their employees; the recruiting and AI sales products target companies hiring new graduates and mid-career staff and B2B sales organizations.
Geography
Operations centered on Japan, headquartered in Tokyo; a partnership with YOLO JAPAN extends the same-day pay service to foreign-national employees working in Japan.
History
Founded July 2017; Payme beta launched September 2017 and the production version in November 2017, alongside an initial seed raise. Bank and HR partnerships followed in 2018 (SBJ Bank, Seven Bank, Interworks, Tokyo Star Bank) and 2020-2021 (1ne studio, KING OF TIME API integration, 400F, YOLO JAPAN). In February 2022 former CyberAgent director Hiroki Urabe became representative director and CEO, followed by CFO Yusuke Miyazawa in May 2022 and CTO Hide Shirai in August 2022. The company was selected for Microsoft for Startups in June 2023 and announced a 400 million yen raise from WiL in September 2023 to launch Sales Scrum AI. From 2024 it built a generative-AI-based recruiting outsourcing business, announcing a performance-fee candidate-pool service in March 2025.
Risks & controversies
Disclosed financial results show sustained losses and a large accumulated deficit (net loss of 344.9 million yen in FY2020 and 126.7 million yen in FY2022, with an accumulated deficit of 352.3 million yen as of June 2022). The business depends on partner banks and attendance/payroll system integrations for fund transfer and data, and the newer generative-AI sales and recruiting lines are early-stage additions outside the original payroll-advance business.
Compiled by commissioned research from 8 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Timeline · 21
launches, deals, and filingsLaunched a performance-based recruiting support service for new-graduate and mid-career hiring (ペイミー採用代行).
Third-party share allotment totaling 400 million yen from World Innovation Lab, earmarked for launching the generative-AI sales support service Sales Scrum AI.
Announced セールススクラムAI, a generative-AI-native sales support service, and opened advance registration for the beta plus distribution of free sales prompts.
Former CyberAgent director Hiroki Urabe appointed representative director and CEO.
Provision of same-day pay to foreign-national employees to improve employee satisfaction.
API linkage between the Payme same-day pay service and the KING OF TIME cloud attendance management system.
Outsourced production of recruiting sites and job ads to address client staffing shortages.
Third-party share allotment raising 700 million yen, with CyberAgent, MIXI and Incubate Fund named as investors.
Tokyo Star Bank to introduce the employee same-day pay service to its corporate clients.
Provision of the same-day pay service to the manufacturing industry.
Uses Seven Bank's real-time transfer function to enable immediate salary payouts.
Cooperation to expand fintech services for asset formation and consumption among younger generations.
Raised 450 million yen led by Incubate Fund with Dream Incubator, CROOZ VENTURES, CyberAgent Ventures and TLM.
Raised 52 million yen from Incubate Fund and angel investors Kazuma Ieiri, Yu Akasaka and Ryotaro Nakagawa.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
▸Research sources · 8
primary sources listed
- 株式会社ペイミーpayme.tokyo · web
8 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does 株式会社ペイミー do?
- Japanese company operating Payme, an earned-wage-access service, plus generative-AI-based sales and recruiting support offerings.
- Who are 株式会社ペイミー's investors?
- 株式会社ペイミー's investors include mint VC, NOW Japan.
- Where is 株式会社ペイミー headquartered?
- 株式会社ペイミー is headquartered in Tokyo, JP.