What is JCB?

Merchant Form

JCB (Japan Credit Bureau) is a credit card from Japan. It is accepted in more than 190 countries and has more than 80 million users globally. JCB is the top domestic issuer and acquirer in Japan.

Understanding JCB

JCB (Japanese Credit Bureau), founded in 1961 in Japan. It now continues to expand its business internationally.  The core benefit of JCB cards is that its cards function worldwide. For online merchants focussed on the Japanese e-commerce market, it is a must-have payment option. JCB cards are used online like MasterCard and Visa credit or debit cards.

The greatest pars of JCB cardholders come from APAC (Asia Pacific). APAS includes Japan, China, South Korea, and Taiwan. Cards are now provided in 19 territories, including EMEA markets such as Germany, Russia, Austria, and Spain. According to JCB’s latest data, other countries are soon to follow. With over 25% of all Japanese transactions being paid with JCB, supporting this payment method is crucial for merchants wanting to penetrate the Japanese e-commerce market. JCB merchant fees are usually charged as a per-transaction commission (percentage). However, there are not many JCB Payment Service Providers and Merchant Acquirers as for MasterCard and Visa. That is due to the limited popularity of JCB if comparing to the credit card giants.

Check out the most important information about JCB payment method

Market Global
Settlement currency CAD, USD, CHF, DKK, EUR, GBP, NOK, SEK, AUD, HKD, JPY, NZD, SGD
Channel Ecommerce, Point of sale
Processing currencies All network supported currencies
Recurring transactions Yes
Refunds Yes
Partial refunds Yes
Multiple partial refunds Yes
3D Secure Yes
Settlement delay 5 days
Chargebacks Yes
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