Accept JCB with Finera and Serve 140M+ Cardholders Worldwide

Looking to serve more global customers? JCB (Japan Credit Bureau) is now available through Finera. With over 140 million cardholders and acceptance in more than 160 countries and regions, it offers you a direct connection to one of the most established and trusted payment brands worldwide.

By enabling JCB with Finera, your business can offer secure transactions, serve more international customers, and improve approval rates, especially across Asia and among high-value cardholders.

How Did JCB Start?

JCB was established in Japan in 1961 and issued its first credit card later that same year. By 1968, JCB had acquired Osaka Credit Bureau, consolidating its presence in Japan’s domestic market. In the 1980s, it began expanding internationally, first into Hong Kong and then Europe, marking its move from a national issuer to a global brand.

Through strategic partnerships and steady investment in technology, JCB has built a strong reputation for innovation and reliability. Its early focus on customer service, reward programmes, and secure infrastructure laid the foundation for the global payment network it supports today.

Why Add JCB to Your Payment Stack

1. Enhanced Security

JCB utilises EMV chip standards and contactless protocols (QUICPay and J/Speedy) for secure and fast authentication. With J/Secure™, its version of 3-D Secure, JCB adds another verification layer to online transactions. This reduces fraud and protects both you and your customers.

2. Instant, Contactless Payments

JCB supports contactless payments via cards, mobile devices, and wearable devices. This matches customer expectations for fast checkouts. With Finera, JCB payments are routed in real- time with no additional setup required.

3. Increased Global Reach

JCB cards are widely used across Asia, with growing usage in Europe and North America. If your business serves Japanese customers or attracts international travellers, accepting JCB helps you reach more people and improve their checkout experience.

4. Higher Approval Rates

Some cards are declined when payment processors lack proper routing. Finera directs eligible JCB transactions to the most suitable processor, helping reduce declines and improve conversions.

How Finera Makes JCB Integration Seamless

Finera’s payment orchestration platform simplifies your integration and management of JCB by:

• Accepting payments in JPY and converting to your preferred currency
• Monitoring performance through real-time analytics
• Tracking approval rates and adjusting routing preferences
• Including JCB in your existing checkout without extra development

In practice, that means no extra work for you. You get JCB in a single plug-in, ready to increase conversions and reinforce trust.

Where JCB Adds the Most Value

Travel and Hospitality

JCB is a preferred payment option for Japanese tourists and business travellers. Hotels, airlines, and booking platforms that accept JCB reduce friction and increase trust at checkout.

Retail and E-Commerce

JCB supports cross-border sales across Asia, especially Japan, Taiwan, and Southeast Asia. If you are selling into these markets, JCB acceptance removes barriers at checkout.

Loyalty and Premium Users

JCB offers Platinum and Gold cards with extra services and rewards. These cardholders often spend more per transaction and return more frequently. Accepting JCB helps you appeal to high-value customers who expect premium service.

Online Gaming

JCB is a strong fit for the online gaming industry, where speed, security, and user trust are critical. With high adoption among Japanese players and robust fraud protection measures, JCB supports in-game purchases, subscriptions, and cross-border play. 

A Smooth Payment Journey

Adding JCB doesn’t require any extra development. With Finera’s payment orchestration platform, JCB is integrated alongside your existing card and APM options. You can:

• Accept payments in JPY and convert them to your preferred currency
• Monitor performance through real-time analytics
• Track success rates and adjust your routing preferences
• Offer JCB through the same checkout flow as your other payment methods

All of this is handled through Finera’s API-first infrastructure. You stay in control while Finera manages the routing logic, currency conversion, and reporting.

Timing Matters 

As global e-commerce and cross-border spending continue to grow, offering local and regional payment options is no longer optional. JCB is a clear choice if your business targets Asian markets, sells to tourists, or wants to reduce declines from international customers.

Travel is rebounding and digital spending in Japan is increasing. Cardholders expect to see JCB as an option when checking out online or in person. If it’s missing, they may abandon the purchase.

By enabling JCB through Finera, you can:

• Improve conversion rates in regions where JCB is preferred
• Provide a better experience for Japanese and Asia-based customers
• Build trust with a globally recognised payment brand

Why JCB Belongs in Your Payment Mix

In 2025, a strong checkout includes more than Visa or Mastercard. JCB is a trusted bridge to Japan-affiliated consumers and beyond. With its strong security, contactless speed, and global acceptance, JCB strengthens your payment strategy and expands opportunities.

Finera is proud to support your journey.

Ready to reach Japanese and JCB-card customers more effectively? Speak to our team to start accepting JCB today.

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