Infcurion to provide “Xard” for “AD YELL,” a web advertising fee installment payment service
Infcurion will provide its international brand card issuing platform “Xard” for “AD YELL”, a Web advertising fee installment payment service (BNPL) to be launched in August 2024 by Bankable, a group company of Digital Holdings.
xard/ADYELL
“AD YELL” allows businesses to split and pay their web advertising expenses in four installments, and supports both invoice and corporate card payments. Applications can be made online and the service can be used in as little as three business days. In principle, no collateral or guarantors are required, and because the service provides support through advances rather than loans, it does not affect the borrower’s credit line, thereby supporting business growth.
“Xard” is responsible for processing functions such as card issuing, transaction processing, and balance management for “AD YELL”. “Xard”, which has a proven track record of providing functions to numerous corporate cards, offers each function in API format, allowing the implementing company to freely customize various functions such as UI/UX, design, and real-time notifications. This enables the implementing company to quickly and flexibly incorporate card functions into its own services, thereby improving the user experience.
For the issuance of corporate cards for “AD YELL”, Mitsubishi UFJ NICOS will act as a BIN sponsor providing a Visa license. Mitsubishi UFJ NICOS will also provide support for cash flow management, such as fund settlement with Visa. This is the first time that “Xard” and Mitsubishi UFJ NICOS have collaborated as BIN sponsors.
With the introduction of the Electronic Bookkeeping Law and the invoice system, the use of corporate cards in the horizontal SaaS field is expanding, and cashless payment is beginning to progress in the BtoB area as well. Infcurion will continue to actively promote digitalization in the BtoB area.
About “Xard”
“Xard” is an international brand card issuing platform that allows companies to easily issue their own original JCB/Visa cards at low cost. With various issuing formats, it meets the business needs of all types of companies, regardless of their form, including fintech companies, financial institutions, retailers, and web service providers.
By incorporating the various API functions provided by “Xard” into their own services, businesses can create new experiences.
Please follow us to read more about Finance & FinTech in Japan, like hundreds of readers do every day. We invite you to also register for our short weekly digest, the “Japan FinTech Observer”, on Medium or on LinkedIn. Our global Finance & FinTech Podcast, “eXponential Finance” is also available through its own LinkedIn newsletter, or via our Podcast Page.
Should you live in Tokyo, or just pass through, please also join our meetup. In any case, our YouTube channel and LinkedIn page are there for you as well.
