> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rc.cleverhub.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Accepting JPY A2A Payins

> What to know about collecting account-to-account payments in Japanese yen: how they clear through the Zengin System and how to reconcile them.

Accepting an account-to-account (A2A) payin in Japan means receiving money in Japanese yen (JPY) directly into a bank account, without a card in the middle. These payments clear through Japan’s Zengin System. This page covers what happens when you collect a yen A2A payment, how it differs from the Australian PayID flow, and how to keep reconciliation clean.

<Note>
  For the underlying ideas behind A2A payments in general, see [real-time A2A payments in depth](/platform-overview/payment-concepts/real-time-a2a). For how the Japanese network works, see [bank transfers in Japan](/platform-overview/payment-concepts/bank-transfers).
</Note>

## How a yen A2A payin reaches you

<Steps>
  <Step title="Customer initiates a transfer">
    The customer instructs a transfer from their Japanese bank, addressed to the receiving account by bank, branch, account type, account number, and account holder name.
  </Step>

  <Step title="Zengin relays the instruction">
    The customer’s bank sends the transfer data to the Zengin Center, which forwards it to the receiving bank in real time.
  </Step>

  <Step title="Funds are credited">
    The receiving bank credits the account. If the transfer runs during the More Time System’s hours, this happens around the clock; otherwise it follows core business-hour processing.
  </Step>

  <Step title="You reconcile the payment">
    You match the incoming yen payment to the right order or invoice using the reference details attached to the transfer.
  </Step>
</Steps>

## How this differs from Australia’s PayID

If you are already familiar with collecting PayID payins in Australia, a few differences are worth noting for Japan.

|                                  | **Japan (Zengin A2A)**                         | **Australia (PayID)**                     |
| -------------------------------- | ---------------------------------------------- | ----------------------------------------- |
| **How the account is addressed** | Bank, branch, account number, and holder name  | A simple alias (email, mobile, or domain) |
| **Alias support**                | Not in the current system (planned for \~2030) | Built in                                  |
| **Round-the-clock**              | Yes, via the More Time System since 2018       | Yes, via the NPP                          |
| **Rich payment data**            | Available through ZEDI                         | Built in via ISO 20022                    |

<Note>
  Because the current Japanese flow does not use an alias, getting the account and reference details exactly right matters for smooth processing and clean reconciliation.
</Note>

## Reconciliation tips

<CardGroup cols={2}>
  <Card title="Use clear references" icon="hashtag">
    Give each customer a specific reference to include with their transfer so you can match payments to orders without guesswork.
  </Card>

  <Card title="Name the receiving account" icon="tag">
    When you create a JPY payment link in the portal, you can set a custom **Account name** for the virtual account the customer pays into. Labelling each link makes incoming yen transfers self-identifying.
  </Card>

  <Card title="Account for cash habits" icon="money-bill-wave">
    Many Japanese customers still prefer cash or convenience-store payments. Expect A2A to be one option among several, and design your checkout accordingly.
  </Card>

  <Card title="Get the name script right" icon="language">
    Japanese account holder names must be in full-width katakana. A name in the wrong script, or over the character limit, can cause the sending bank to reject the transfer.
  </Card>
</CardGroup>

<Note>
  For the step-by-step version of both points above, see [setting the virtual account name on a JPY payment request](/portal/payins#generating-a-manual-payment-link) and the [account name validation rules](/portal/balances#name-validation-rules).
</Note>

<Tip>
  Pair yen A2A payins with the card and wallet methods Japanese customers already use. Offering the payment types your customers expect is the most reliable way to lift checkout completion in Japan.
</Tip>


## Related topics

- [Bank Transfers in Japan](/platform-overview/payment-concepts/bank-transfers.md)
- [Real-time A2A Payments in Depth](/platform-overview/payment-concepts/real-time-a2a.md)
- [Real-time Payments vs. Card Payments](/platform-overview/payment-concepts/rtp-vs-cards.md)