Connect platforms can allow their Japan-based connected accounts to accept JCB payments.

JCB onboarding flow for the connected accounts are different depending on when the Connect Platform account and the connected account are created.

Platforms created after 2024-10-17

You can immediately start accepting JCB, Diners Club and Discover cards on the connected accounts created after 2024-12-16. Historically this was only possible for Visa, Mastercard and American Express cards, and JCB required an additional review for these card brands.

While you can start accepting these cards immediately, JCB automatically reviews all accounts. In some cases, JCB may reject your account, or request additional information about your business or yourself.

Checking enrollment status of connected accounts

When JCB has made a decision on the application of the connected account, Stripe will notify you using a webhook. When JCB has approved or rejected your account, Stripe will send a capability.updated webhook.

If JCB requires more information about the connected account, Stripe will reach out to you by email. Until the connected account is approved by JCB, Stripe will temporarily pause the ability of the connected account to accept new JCB payments. Any JCB payments that were processed before the pause will be automatically refunded.

Platforms created before 2024-10-17

You will need to request the jcb_payments capability when creating the account. If you encounter an error when requesting the capability, please reach out to japan-jcb-payments@stripe.com.

Example Python code: requesting the capability when creating new account

stripe.Account.create(
 country="JP",
 requested_capabilities=['jcb_payments', 'card_payments', 'transfers'],
)

Example OAuth URL: requesting the capability when creating new account

​https://connect.stripe.com/express/oauth/authorize​
?redirect_uri={REDIRECT_URL}
&client_id={CLIENT_ID}
&state={STATE_VALUE}
&suggested_capabilities[]=transfers
&suggested_capabilities[]=card_payments
&suggested_capabilities[]=jcb_payments

Example Python code: requesting the capability on the existing connected account

stripe.Account.modify_capability(
 "acct_1CmEuvFjAq3Pk1RD",
 "jcb_payments",
 requested=True,
)

Approval and rejection

In some cases, JCB will request additional information or actions to be taken from you, or your connected account. If so, Stripe will notify you by email.

When JCB has made a decision on the application of your account, Stripe will notify you using a webhook. When JCB has approved or rejected your account, Stripe will send a capability.updated webhook.

Checking enrollment status of connected accounts

You can verify the status of your connected account’s JCB enrollment by querying the status of the jcb_payments capability via Capabilities API.

Example Python code:

stripe.Account.retrieve_capability(
 "acct_1CmEuvFjAq3Pk1RD",
 "jcb_payments",
)

Non-Japanese platforms

To allow your Japanese connected accounts accept JCB, first reach out to enable the jcb_payments capability for your platform. You will then be able to provide answers about your Stripe integration on your regional Connect settings. After submitting your information, you will be able to start requesting the capability for your connected accounts.

If your connected accounts are not in Japan, you do not need the jcb_payments capability to accept JCB cards.

Additional information

• For more information about JCB content, see:
  • Enabling JCB payments for Japan-based Stripe accounts