Virtual account-based JPY collection with automatic reconciliation — and FX settlement to your overseas account in major currencies.
Each client or transaction is assigned a unique Japanese bank account number. Payers transfer directly to that account — funds are received and automatically matched on arrival. No manual reconciliation. No batch confusion.
Issue a dedicated Japanese bank account number per client, per transaction, or per campaign — structured however your business requires.
Every incoming payment is instantly matched to its virtual account on receipt — no manual matching, no unallocated funds sitting in a pool.
Fukugu collects as a licensed Type 2 Fund Transfer Service Provider, operating within the regulatory framework of Japan's Payment Services Act — with AML/CFT controls and transaction monitoring as standard.
Once collected and reconciled, funds are converted from JPY and settled to your overseas account in your operating currency.
Settle to your overseas account in the currencies that matter to your business:
Instruct settlement once. Fukugu handles the cross-border transfer — JPY conversion, compliance review, and settlement to your designated overseas account.
Cross-border fund movement executed by Fukugu's licensed infrastructure. AML compliance maintained across all jurisdictions throughout the settlement chain.
From assigning virtual accounts to settling funds overseas — the full cycle managed through Fukugu's API or dashboard.
Virtual account numbers issued to your payers — one per client, per transaction, or per campaign. Payers transfer to a standard Japanese bank account number. No new payment methods to explain.
JPY received into Fukugu's licensed infrastructure. Every payment is automatically reconciled to the correct virtual account in real time. Full audit trail on every transaction.
Instruct settlement once — Fukugu handles the conversion and cross-border transfer to your designated overseas account.
Built for businesses that collect in Japan and settle abroad — across e-commerce, corporate, marketplace, and travel use cases.
Collect from Japanese consumers via virtual accounts. Reconcile automatically. Settle revenue to your overseas entity in USD, EUR, or your operating currency — without building local banking infrastructure.
Collect intercompany JPY receipts in Japan and settle to your HK, SG, or other overseas entity. Clean reconciliation, licensed execution, and a full audit trail for treasury.
Issue per-merchant or per-transaction virtual accounts for clean seller collection. Settle each merchant's funds in their currency — no commingling, no manual splitting.
Collect tour payments and bookings from Japanese consumers. Reconcile per booking or per tour group. Settle to your overseas operating account in your currency on a schedule that fits your booking cycle.
Every point in the collection and settlement chain is operated by a licensed entity. No unregulated intermediaries, no compliance gaps.
Fukugu holds a Type 2 FTSP licence registered with the Kanto Local Finance Bureau (No. 00059). All JPY collection is executed within this licensed framework — AML/CFT controls and transaction monitoring as standard.
All JPY collection is executed by Fukugu as a licensed Type 2 FTSP — within Japan's Payment Services Act framework, with full AML/CFT controls and transaction monitoring at every step.
Cross-border fund movement is executed by licensed entities across both the Japanese and receiving jurisdictions. AML controls are maintained at each stage of the settlement chain.
Issue virtual accounts, monitor incoming payments, and instruct FX settlement through a single REST API — with a sandbox environment for testing before you go live.
Talk to our team — whether you're integrating via API, exploring an enterprise arrangement, or have a specific use case to discuss.