Link Processing Partners with EPOS Card to Launch “B2B Invoice Payment Service” for Corporate Card Members

TOKYO – February 19, 2026 – Link Processing Co., Ltd. (Headquarters: Chiyoda-ku, Tokyo; President Atsushi Saito; hereinafter "Link Processing"), a group company of Infcurion, Inc. (Headquarters: Chiyoda-ku, Tokyo; President and CEO Hiroki Maruyama; hereinafter "Infcurion"), today announced a strategic business alliance with EPOS Card Co., Ltd. (Headquarters: Nakano-ku, Tokyo; President Shoichi Aida;hereinafter "EPOS Card") to launch a new B2B invoice payment service for Epos Card’s corporate card members.
This service allows businesses to settle bank-transfer-based invoices using credit cards. Notably, it also supports the payment of social insurance premiums—which have traditionally required manual, over-the-counter handling—thereby significantly streamlining accounting workflows and optimizing cash flow for corporate users.

■ Background and Objectives
Despite the push for digitalization, many small and medium-sized enterprises (SMEs) in Japan still rely on manual accounting processes. According to the "Business Payment General Survey 2025" (*1) conducted by Infcurion, , 23% of small-scale businesses (with 1–20 employees) still use ATMs or bank counters as their primary payment method. Conversely, approximately half of all businesses surveyed expressed a desire for digital, data-driven invoice management.

In this evolving landscape, expanding value-added services to enhance convenience and drive transaction value for corporate members has become a pivotal strategic priority for credit card issuers. Furthermore, with the enforcement of the "Act on the Promotion of Subcontracting SMEs" on January 1, 2026, ordering companies are now required to ensure appropriate consideration and prevent payment delays more stringently than ever. Additionally, for industries such as wholesale, construction, and transportation, where payments often precede revenue collection, stabilizing cash flow is a critical challenge.

In response to legal requirements to strictly adhere to payment deadlines, this scheme allows businesses to switch bank transfers to card payments, effectively extending payment deadlines by up to approximately 60 days, directly contributing to the securing of cash on hand and cash flow improvement.

While meeting payment deadlines and handling financial settlements are significant management challenges for ordering companies, card issuers have found it difficult to offer invoice card payment services independently due to the burden of building settlement schemes and maintaining operational structures.

Addressing these challenges, this partnership combines EPOS Card’s corporate card member base with Link Processing’s "LP Business Invoice Card Pay" (LP Seikyusho Card Barai) platform to establish a system that offers a new payment experience to members. (*2). In this partnership, EPOS Card is responsible for providing the service and promoting usage through its touchpoints with corporate card members, while Link Processing handles everything from settlement scheme design and system provision to business operations. This allows EPOS Card to quickly offer services that enhance the value of corporate cards without having to build and operate a new settlement platform in-house.

*1: Infcurion "Business Payment General Survey 2025" (Released on November 27, 2025) https://infcurion.com/news/news-20251127_001/
*2: EPOS Owner Card "Business Invoice Card Pay" Service Page: https://www.eposcard.co.jp/ownernet/invoice-pay/index.html

■ Key Features of "LP Business Invoice Card Pay" Provided by "Link Processing"
Link Processing provides integrated settlement platforms, from design and development to operation, including the "Anywhere" next-generation settlement terminal series, which has a track record of over 5,000 companies and more than 57 million annual transactions.
"LP Business Invoice Payment Service" (*3) is utilized across various industries, particularly by companies where payments tend to precede revenue collection, such as wholesale, food and beverage, transportation/logistics, manufacturing, construction, advertising/production, and IT/software. By allowing flexible adjustments to payment timing, it contributes to reducing the burden of daily payment operations and stabilizing cash flow.
1. Market-Leading Competitive Fees:
A highly competitive fee structure (※4) designed to strengthen the financial foundation of SMEs.
2. Rapid Funding with No New Screening:
As the service utilizes existing credit lines, no additional documentation or credit checks are required, with funds transferred as early as the same day.
3. Support for Social Insurance Premium Payments:
Enables centralized expense management by allowing card payments for social insurance premiums, which are typically paid at service counters.
4. Cash Flow Optimization:
Switching bank transfers to card payments can effectively extend payment deadlines by up to approximately 60 days.
5. Efficiency in Accounting Operations:
Simplifies transfer procedures through a dedicated screen, reducing errors and man-hours in payment work.

*3: "LP Business Invoice Payment Service" Service Page: https://www.linkprocessing.co.jp/service/product/lp.html
*4: Commission fee of 2.95% (tax-exempt). Minimum payment fee per request is 600 yen.

■Link Processing Co., Ltd.
Establishment: April 1, 2010
Representative: President Atsushi Saito
Headquarters: MFPR Kojimachi Bldg. 7F, 5-7-2 Kojimachi, Chiyoda-ku, Tokyo
URL: https://www.linkprocessing.co.jp/

■Infcurion, Inc.
Established: May 1, 2006
Representative: President and CEO Hiroki Maruyama
Head Office: 7F MFPR Kojimachi Building, 5-7-2 Kojimachi, Chiyoda-ku, Tokyo
Member Organizations:

• General Incorporated Association Fintech Association
• General Incorporated Association Cashless Promotion Council
• General Incorporated Association Japan Payment Services Association
  URL: https://infcurion.com/

*This release was created based on information current as of the date of issuance. There is a possibility that all or part of the content may change in the future.
*Company names, product names, and service names mentioned are trademarks or registered trademarks of their respective companies.

This press release is an English translation of the original Japanese version. It is provided for informational purposes only and for the convenience of the reader. In the event of any discrepancy or conflict between the English translation and the original Japanese text, the Japanese version shall prevail and be considered the official document.