Dimension scores are derived from public data and fields; weighted into the composite. Reference only.
creditcardmerchant.net is a payment agency site operated by 株式会社エーエムエル（AML LTD）, with disclosed offices in Tokyo and Hong Kong. It is not positioned as a general-purpose acquiring gateway; instead, it emphasizes providing credit card, QR code, bank transfer, and other payment access for “high-risk” industries or sectors that traditional payment providers may find difficult to accept. These include adult content, adult entertainment/men’s beauty services, information products, online chat, online entertainment, cryptocurrency, FX/CFD, cross-border e-commerce, and overseas corporations collecting payments from Japanese customers.
It covers a fairly broad range of payment methods: credit cards support Visa, Mastercard, JCB, American Express, Diners Club, and UnionPay. QR payments list PayPay, WeChat Pay, Alipay+, and others, though the text notes that as of July 2022, the only online QR payment supported is PayPay. It also supports bank transfers, convenience store payments, transit IC e-money, WAON, nanaco, iD, Rakuten Edy, and more. Bank transfers can use virtual account numbers to automate payment confirmation and data updates. In terms of integration, only descriptions of a WooCommerce plugin, e-commerce site compatibility, and plugin connections are visible; detailed API documentation is not disclosed.
The official site lists processing fees from 2.45% up to 7.00%. The FAQ states that fees vary significantly depending on the product category and transaction amount, with the average mostly around 3%–4%. Setup costs “basically do not occur,” and any system fees will be communicated in advance. Regarding minimum contract terms, it states that there is no contract period or quota. Settlement timing appears only as a selling point under “payment cycle,” with no specific number of days or fund reserve rules provided.
The advantages are its bold industry coverage, especially for difficult-to-underwrite scenarios such as adult services, information products, and overseas corporations; support for sole proprietors and overseas addresses; onboarding in as little as two business days; Japanese sales representatives; weekday support from 10:00 to 19:00; and an emergency 24-hour support center. It also states that card information is not stored and that it complies with PCI DSS ver. 3.2.1. The main shortcomings are insufficient key information on regulatory licenses, acquiring partners, chargebacks and fraud risk control, 3D Secure, and other critical areas. Fees require individual review, and pre-onboarding phone support is also limited.
It is better suited to high-risk merchants collecting payments in the Japanese market who have been rejected by ordinary PSPs or face excessive fees, especially cross-border corporations, online content businesses, and consulting-related services. If a business has high requirements for license transparency, stable settlement cycles, and standardized APIs, thorough due diligence is still necessary. The review text does not provide information on access from mainland China, so the status is unknown.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on creditcardmerchant.net official site.
creditcardmerchant.net is an Japan Payments provider. TG4G tracks its product information, an overall rating of 7.0/10, and a China-accessibility score of Workable. Click "Visit Official Site" to reach creditcardmerchant.net directly.