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Kapag nakatanggap ka ng Japanese tax notice, insurance bill, online-shopping payment instruction, o ibang invoice, maaaring makita mo ang Pay-easy logo.

Sa Japanese, ito ay nakasulat bilang :

ペイジー（Pay-easy）

Ang Pay-easy ay isang payment service na nagbibigay-daan sa iyo na magbayad ng taxes at iba’t ibang fees gamit ang compatible ATM, internet banking, mobile banking, o banking app—nang hindi kailangang pumila sa bank counter o convenience store.

Narito ang step-by-step guide kung paano ito gumagana.

1. What Is Pay-easy?

Ang Pay-easy ay hindi isang hiwalay na bank account, credit card, o e-wallet.

Isa itong payment network na nagkokonekta sa :

• Customer

• Bank or financial institution

• Government office, company, or payment recipient

Kapag nagbayad ka, ang payment information ay ipinapadala sa collecting organization o 収納機関（Shūnō kikan）.

Maaari itong gamitin para sa ilang :

• National and local taxes

• Government fees

• Pension or insurance payments

• Mobile and utility bills

• Online purchases

• Airline tickets

• School or application fees

• Other participating services

Hindi lahat ng bills o companies ay tumatanggap ng Pay-easy. Hanapin ang Pay-easy logo o payment instructions sa invoice.

2. How Do You Know If a Bill Supports Pay-easy?

Check kung may Pay-easy logo sa :

• Payment slip

• Tax notice

• Invoice

• Online checkout page

• Confirmation email

• Payment-instruction screen

Karaniwang may kasama itong several payment numbers.

The most common details are :

Collection Agency Number

収納機関番号（Shūnō kikan bangō）

Usually, five digits ito at ginagamit para tukuyin ang government office, company, o payment processor.

Customer or Payment Number

お客様番号（Okyakusama bangō）

Maaari rin itong tawaging :

納付番号（Nōfu bangō） – Payment number

Ito ang number na nag-i-identify sa iyong bill o transaction.

Confirmation Number

確認番号（Kakunin bangō）

Ginagamit ito para i-verify ang payment request.

May ilang payments na nangangailangan din ng :

納付区分（Nōfu kubun） – Payment category

Ang exact information ay depende sa biller. Japan Post Bank confirms that Pay-easy payment slips commonly display the collection-agency number, customer or payment number, and confirmation number.

3. Where Can You Pay?

Depending on your bank and the bill, maaari kang magbayad gamit ang :

• Pay-easy-compatible ATM

• Internet banking

• Mobile banking

• Banking app

• Direct link from an online merchant or government website

Examples of participating financial institutions include major banks and Japan Post Bank, but supported billers, payment methods, and service hours differ by institution.

Look for the Pay-easy logo on the ATM or check your bank’s official website.

4. How to Pay Through an ATM

The buttons and screen layout may differ by bank, but the usual steps are :

1. Go to a Pay-easy-compatible ATM.

2. Select :

税金・料金払込

Zeikin・Ryōkin Haraikomi

Tax and fee payment

or:

料金払込（ペイジー）

Ryōkin Haraikomi (Pay-easy)

3. Enter the Collection Agency Number.

4. Enter the Customer or Payment Number.

5. Enter the Confirmation Number.

6. Enter the payment category if requested.

7. Review the biller name, payment description, and amount.

8. Select the payment account or payment method.

9. Confirm the transaction.

10. Keep the ATM transaction statement.

At some Japan Post Bank ATMs, a compatible payment slip may be inserted and read automatically. If the slip cannot be scanned, the numbers can be entered manually.

5. Can You Pay with Cash at an ATM?

It depends on :

• The financial institution

• ATM type

• Payment recipient

• Payment amount

• Available service hours

Some compatible ATMs may permit cash payments, while others require payment from a bank account using a cash card or passbook.

Some ATMs also do not accept coins.

Check the ATM instructions or the financial institution’s official Pay-easy page before visiting. Japan Post Bank notes that some of its ATMs cannot handle coins.

6. How to Pay Through Internet Banking

To pay through internet banking, you normally need an active online-banking contract with your bank.

The general process is :

1. Log in to your bank’s official internet-banking website.

2. Select :

税金・各種料金払込

Zeikin・Kakushu Ryōkin Haraikomi

or the Pay-easy option.

3. Enter the collection-agency number.

4. Enter the customer or payment number.

5. Enter the confirmation number.

6. Review the payment details.

7. Choose the bank account.

8. Complete authentication.

9. Confirm the payment.

10 Save or screenshot the confirmation page.

Authentication may include :

• Banking-app approval

• One-time password

• Security token

• Passcode

• Biometric verification

Never access internet banking through a suspicious email or text-message link.

7. How to Pay Through a Banking App

Some banks allow Pay-easy payments directly through their mobile app.

For example, Japan Post Bank’s passbook app supports Pay-easy payments by :

• Scanning a compatible payment slip; or

• Manually entering the payment numbers

Authentication must generally be set up before completing the transaction.

The exact menu names depend on the bank, but look for terms like :

• 送金・支払 – Transfers and payments

• 税金等支払い – Tax and fee payments

• ペイジー – Pay-easy

• 払込書読取 – Scan payment slip

• 手入力 – Manual entry

8. Paying Directly from a Website

When shopping online or paying a government application fee, you may be redirected directly to your bank.

This method is sometimes called an information-link method.

Typical process :

1. Select Pay-easy at checkout.

2. Choose your bank.

3. Open the bank’s official login page.

4. Log in.

5. Review the payment information transferred from the merchant.

6. Complete authentication.

7. Confirm payment.

8. Return to the merchant’s website.

Because the payment information is transferred automatically, you may not need to manually enter every Pay-easy number.

Still, check the :

• Merchant name

• Payment amount

• Order number

• Payment deadline

before confirming.

9. Is Pay-easy Available 24 Hours?

Pay-easy is designed to allow flexible payment through ATMs and online banking, but it may not always be available 24/7.

Possible unavailable periods include :

• Bank maintenance

• Pay-easy system maintenance

• ATM operating-hour restrictions

• Biller maintenance

• Year-end or holiday system closures

Some banks advertise round-the-clock access but clearly exclude maintenance periods.

Do not wait until the final few minutes before the due date.

10. How Quickly Is the Payment Recorded?

When a Pay-easy payment is completed, the payment result is generally communicated electronically to the collecting organization.

Japan Post Bank explains that payment information is sent to the recipient in real time for payments completed through its Pay-easy service.

However, the company or government office may need additional time to update :

• Your online account

• Order status

• Application status

• Internal payment record

Keep your confirmation until the recipient shows the payment as completed.

11. Are There Pay-easy Fees?

Fees depend on :

• Your financial institution

• Collecting organization

• Payment type

• ATM or online channel

• Whether the biller adds a payment-processing charge

Some banks do not charge a separate bank fee for Pay-easy payments, but the collecting organization may include its own processing fee in the amount. MUFG, for example, states that it does not collect an additional bank charge for supported Pay-easy payments through its online service, while noting that a biller’s payment fee may already be included.

Always review the total shown before confirming.

12. Do You Receive a Receipt?

When paying through an ATM, you may receive a transaction statement or payment record.

When paying through internet or mobile banking, an official paper receipt may not be issued. MUFG specifically states that receipts and receipt certificates are not issued for its Pay-easy payments.

Save :

• Payment-completion screen

• Transaction number

• Date and time

• Amount

• Biller name

• Bank-account record

• ATM statement

If you need an official tax or payment certificate, ask the collecting organization whether a separate certificate can be issued.

13. Can You Cancel a Pay-easy Payment?

Once a Pay-easy payment is completed, it usually cannot be casually cancelled through the ATM or banking app.

If you :

• Paid the wrong bill

• Paid twice

• Entered incorrect information

• Paid an incorrect amount

• No longer need the service

• 
  

contact both :

1. Your bank; and

2. The collecting organization or merchant

as soon as possible.

Any refund or correction usually depends on the recipient’s rules. Never assume that the bank can instantly reverse the payment.

14. What If the Numbers Do Not Work?

Possible reasons include :

• Incorrect collection-agency number

• Wrong customer or payment number

• Wrong confirmation number

• Payment deadline has passed

• Bill has already been paid

• Your bank does not support that biller

• Pay-easy service is under maintenance

• Payment amount exceeds an applicable limit

• The payment instruction has expired

• Too many incorrect attempts were made

Check the original payment notice carefully.

Do not guess numbers repeatedly. Contact the company or government office that issued the payment instructions.

15. What If the Payment Deadline Has Passed?

If the deadline has expired, the Pay-easy numbers may stop working.

You may need to :

• Request new payment instructions

• Generate a new payment number

• Contact the merchant

• Ask city hall for a replacement tax slip

• Use another payment method

• Pay a late charge, if applicable

Do not send a regular bank transfer unless the recipient specifically instructs you to do so.

16. Never Share Your Banking Credentials

A legitimate merchant or government office may provide Pay-easy payment numbers, but they should not ask for your :

• ATM PIN

• Internet-banking password

• One-time password

• Authentication code

• Banking-app login

• Card security number

Never allow another person to control your phone or guide you through your bank account using screen-sharing or remote-access software.

Useful Japanese Words

ペイジー（Pay-easy） – Pay-easy payment service

税金・料金払込 Zeikin・Ryōkin Haraikomi – Tax and fee payment

収納機関番号 Shūnō kikan bangō – Collection-agency number

お客様番号 Okyakusama bangō – Customer number

納付番号 Nōfu bangō – Payment number

確認番号 Kakunin bangō – Confirmation number

納付区分 Nōfu kubun – Payment category

払込書 Haraikomisho – Payment slip

納付書 Nōfusho – Tax or fee payment notice

支払期限 Shiharai kigen – Payment deadline

領収書 Ryōshūsho – Receipt

収納機関 Shūnō kikan – Collecting organization

Pay-easy Checklist

Before confirming payment, check :

✔️ The bill or website displays the Pay-easy logo.

✔️ The collecting organization is correct.

✔️ The payment description matches your bill.

✔️ The amount is correct.

✔️ The payment deadline has not passed.

✔️ The collection-agency number is correct.

✔️ The customer or payment number is correct.

✔️ The confirmation number is correct.

✔️ You are using your bank’s official ATM, website, or app.

✔️ Your account has enough balance.

✔️ You understand any applicable fees.

✔️ You save the payment confirmation.

Pay-easy is a convenient way to pay taxes, government charges, online purchases, and other supported bills in Japan.

Instead of entering a recipient’s bank-account details, you use the collection-agency number, customer or payment number, and confirmation number shown on the bill or payment instructions.

Always verify the biller, amount, and deadline before confirming. Once completed, a Pay-easy payment may be difficult to reverse, so take a few extra seconds to review everything carefully.

Sa PhilMoney, nais naming suportahan ang mga Pilipino sa Japan hindi lamang sa mabilis at ligtas na remittance, kundi pati na rin sa pagbibigay ng practical financial guides para mas maging informed, secure, at confident sa kanilang everyday payments.

Note : This article is intended for general information only. Regulations and procedures in Japan and the Philippines may change. Please verify the latest information with the appropriate government agency or official institution before taking action.