PayPay Bank Corporation (hereinafter “PayPay Bank”) and PayPay Corporation (hereinafter “PayPay”) are pleased to announce that beginning on April 15, 2026, they will start offering the PayPay Merchant-Exclusive Loan, the first loan by invitation for PayPay merchants.
Since March 2024, PayPay has been offering PayPay Funding, which enables PayPay merchants to convert future sales into cash early in amounts up to 1 million yen. Because it provides swift, small-scale financing needs, such as for sudden capital investments or procurement, the number of PayPay merchants using the service has been growing since its launch.
Building on this success, PayPay Bank has begun offering the PayPay Merchant-Exclusive Loan, which provides financing of up to 10 million yen to PayPay merchants. With this loan, the terms are presented in advance based on the daily payment transaction data of PayPay merchants.
The procedures can be completed via smartphone and therefore merchants are not required to visit a branch, and the required documentation is kept to a minimum. The loan can be disbursed as early as the day of application, allowing a swift response to various funding scenarios, such as urgent procurement needs. Rather than relying on conventional application and screening procedures based solely on financial statements, this loan takes an innovative approach to financing in which the daily sales data of merchants are converted into trust and credit.
Furthermore, PayPay Bank is also expanding its lineup of corporate lending products, including loans guaranteed by a Credit Guarantee Corporation,*1 which is the first for an online bank in Japan without physical branches,*2 and bank-direct loans,*3 which can provide up to several hundred million yen. As a result, it has become possible to accommodate a broad range of funding needs, from working capital for sole proprietors to capital expenditures for mid-sized and large enterprises.
■ Features of the PayPay Merchant-Exclusive Loan
1. PayPay Bank’s first invitation-only loan leveraging payment data
This service is PayPay Bank’s first invitation-only loan that calculates the loan amount in advance by utilizing daily PayPay payment data and other information. By centering the loan review not only on past financial information—such as financial statements—which has been regarded as one of the most crucial factors in traditional bank lending, but also on real-time store sales trends and growth potential derived from payment data, PayPay Bank presents in advance loan terms tailored to the actual situation of each PayPay merchant.
2. Unmatched speed and UX—complete the application in as little as 1 minute, all on a smartphone
Invited merchants can check the presented terms on the merchant dashboard, PayPay for Business, and complete the application in as little as one minute.
No in-person visits or hardcopies required：Because it is invitation-only, the required documentation and interviews are kept to a minimum.*4 No in-person visit is required, and everything from application to disbursement is completed online.
All on a smartphone：Whether it be between business activities, or during travel time, the application can be easily completed from a smartphone.
Funding on the day of：Once the application is completed, it is possible to receive the disbursement as early as the same day.
■ PayPay Merchant-Exclusive Loan overview
Start date：Wednesday, April 15, 2026
Eligibility：PayPay merchants invited by PayPay Bank based on their transaction performance with “PayPay.”
Loan amount：100,000 yen to 10 million yen.
Interest rate (APR)：Varies from merchant to merchant.
Repayment period：Six months (repayment on the first day of each month).
Repayment method：Constant amortization.
Collateral/Guarantor：Not required in principle (for corporations, a representative’s guarantee is required).
Application：Invited merchants may apply via PayPay for Business (app version or web version) or via PayPay Bank (web version).
■ Application flow for PayPay Merchant-Exclusive Loan
PayPay Bank and PayPay aim to evolve beyond the realm of payments into a business platform that resolves the management challenges faced by PayPay merchants. With this expansion of the loan lineup, both companies will vigorously drive the revitalization of Japan’s regional economies and support for business DX with its financial services. Going forward, to meet diverse funding needs, they will develop new forms of financing that leverage data and technology, and will support the endeavors of all companies, from sole proprietors and SMEs to mid-sized and large enterprises.
*1. The disbursement of loans is subject to PayPay Bank’s screening criteria. For details on loans guaranteed by a Credit Guarantee Corporation, see here.
*2. Compared with ten online banks—au Jibun Bank, GMO Aozora Net Bank, SBI Sumishin Net Bank, Seven Bank, Sony Bank, Daiwa Next Bank, Minna Bank, Rakuten Bank, Lawson Bank, and UI Bank— researched by PayPay Bank (as of April 1, 2026).
*3. The disbursement of loans is subject to PayPay Bank’s screening criteria.
*4. Corporate customers are required to submit identity verification documents and other materials for the procedures of personal guarantees by representatives.
* Company names, trade names, and products/services in this press release are registered trademarks or trademarks of their respective companies.
