To accept JCB card payments on your Japan Stripe account, Stripe must first request approval on your behalf from JCB.
When you activate your Stripe account, Stripe will automatically submit your information to JCB for review.
If you have an existing Stripe account, you can activate JCB in the Payment Methods section of your Dashboard, under Settings.
Clicking the Activate button will begin the activation process.
Note: if you do not see a button to activate JCB in your Payment Methods settings, this means that Stripe has already submitted your information to JCB.
If you are using Connect and you need to onboard your connected accounts, see Accepting JCB payments as a Connect platform or connected account.
At a minimum, JCB requires the following in order to approve an account:
A live Stripe account (meaning you have submitted your account application).
A live and up-to-date Specified Commercial Transactions Act page
Your business does not fall under any restricted business categories.
The review process takes around 3 business days, but it can take up to 3 weeks in some cases. During this time, you will not be able to accept payments from JCB cardholders.
JCB may require additional information about you or your business to complete their review. If this is needed, Stripe will reach out to you via email to let you know.
JCB payments must be in JPY
The maximum amount allowed for a transaction is ¥ 9,999,999
Dynamic statement descriptors are not supported. Stripe will default to the default descriptor provided when you submitted your account application.
You can confirm your JCB acceptance status at any time in your Dashboard.
Should JCB decide to reject an account, the decision is final. If you believe this to be a mistake, contact Stripe support.
Connect: For more information about applying for JCB as a Connect platform and/or for connected accounts, see Accepting JCB payments as a Connect platform or connected account.
Pricing for accepting JCB payments can be found on Stripe's Pricing page.
Funds from JCB card payments are made available after 30 days from the date of charge.
Once you are approved to accept JCB payments, you can also accept payments from Discover and Diners Club cardholders.
If you already have a direct, contractual relationship with JCB, reach out to us and we can review your case.
JCB payments can also be accepted on US, Australian, Canadian, or New Zealand-based Stripe accounts.
For more information in integration guidance, including onboarding connected accounts, see Integrating JCB payments on Japan-based Stripe accounts and the Cards section of the Stripe Docs.
JCB, Diners Club and Discover will review your account from time to time and may change their approval decision in the future.
Contact Stripe support with any additional questions.