Cashless corporate payments and back-office efficiency

「SMEマーケットへの資源投下に加え、グループ及び提携先との営業連携を強化することで、ビジネスカードと法人関連商材のクロスセルの取り組みを加速させ、法人マーケットのシェア拡大を着実に進めております。」

「In addition, we are working to improve profitability by expanding financial services for corporate customers and promoting upselling to premium cards, thereby maximizing customer lifetime value (LTV).」

「In the corporate sector, in addition to investing management resources in the SME market, we are strengthening sales cooperation with Group companies and business partners to accelerate cross-selling initiatives for business cards and corporate-related products and steadily increase our share of the corporate market.」

「In March 2025, launched “SAISON Thursday,” offering films for ¥1,200 every Thursday at TOHO Cinemas nationwide to members of cards issued by the Company.」

「In May 2024, began providing a procurement management function using virtual card numbers for the intercompany payment card “Purchasing Card.”」

「In the corporate sector, we are investing resources in the SME market (Small and Medium Enterprises) and accelerating cross-selling initiatives for business cards and corporate-related products to meet funding needs, with the aim of increasing our share of the corporate market.」

「・In December 2023, began introducing the “SAISON INVOICE” deferred-payment and invoice-processing service at Suruga Bank Ltd. for corporate customers, developed to address needs including improved operational efficiency, cash-flow management and recovery of outstanding receivables.」

「In the corporate business, we are investing resources in the SME (Small and Medium Enterprises) market and accelerating cross-selling of business cards and corporate products to expand our share of the corporate market.」

「From February 2023, we began providing the Saison Business Support Loan, a new lending service supporting the management of small and medium-sized enterprises and sole proprietors and available through the Saison Platinum Business American Express Card and the Saison Cobalt Business American Express Card.」

「From November 2022, we collaborated with Fukurico and began providing the Saison Fukurico employee benefits service to support small and medium-sized business owners.」

「From July 2022, we partnered with SORABITO to begin accepting applications for the 建設スマート・セゾンゴールド・アメリカン・エキスプレス・カード, a credit card designed for the construction industry, to promote digital transformation and cashless payments in the industry.」

「From April 2022, we entered into a business partnership agreement with UPSIDER to build a new B2B payment service and began jointly providing 支払い.com, a payment service enabling credit card use for all B2B transactions.」

「In May 2021, the company began offering BUSINESS Pro CARD, a new strategic product aimed at maximizing its share of card payments in the SME (Small and Medium Enterprise) market. The product provides credit limits for business expenses payable by card and extends the payment deferral period to a maximum of 84 days to improve cash flow.」

「• We added the Saison Cobalt Business American Express® Card, a business card combining the Saison American Express® Card with preferential B2B payment services for business owners, including small and medium-sized enterprises, small businesses, sole proprietors, startups and freelancers, and began accepting applications on 24 December 2019.」

「In the corporate business, we partnered with freee Co., Ltd. to prepare for the issuance of the freee Saison Platinum Business American Express Card, based on a credit model using the financial and transaction data of sole proprietors and small and medium-sized business owners using freee cloud accounting software. We also actively pursued sales initiatives to capture the small and medium-sized enterprise market, including expanding sales of the Saison Platinum Business American Express Card and providing a payment agency service that makes advance payments for purchase costs.」

「In the corporate business, we partnered with freee Co., Ltd. to prepare for the issuance of the freee Saison Platinum Business American Express Card, based on a credit model using the financial and transaction data of sole proprietors and small and medium-sized business owners using freee cloud accounting software. We also actively pursued sales initiatives to capture the small and medium-sized enterprise market, including expanding sales of the Saison Platinum Business American Express Card and providing a payment agency service that makes advance payments for purchase costs.」

「• To capture the corporate market, we formed partnerships with companies providing cloud-based expense management solutions and worked to significantly reduce the workload involved in corporate expense settlement by combining their solutions with our corporate cards. We also expanded sales of the Saison Platinum Business American Express® Card, a business card addressing the business payment needs of sole proprietors. In addition, through Advanced pay SAISON, which enables employees of participating companies to receive wages they have already earned before the scheduled payday, we added an instant payment feature to improve service convenience and worked to provide optimal solutions based on company size and needs.」

「To capture the corporate market, we formed partnerships with companies providing cloud-based expense management solutions and worked to significantly reduce the workload involved in corporate expense settlement by combining their solutions with our corporate cards. We also promoted issuance of the Saison Platinum Business American Express Card, a business card addressing the business payment needs of sole proprietors, and worked to promote cashless corporate payments and solve corporate issues.」

「To capture the corporate payments market, we formed partnerships with companies providing cloud-based expense management solutions and worked to significantly reduce the workload involved in corporate expense settlement by combining their solutions with our corporate cards. We also promoted issuance of the Saison Platinum Business American Express® Card, a business card addressing the business payment needs of sole proprietors. Through these initiatives, we worked to provide optimal solutions based on company size and needs, promote cashless payments across corporate payment areas, and improve back-office efficiency.」

「To capture the corporate payments market, we formed partnerships with companies providing cloud-based expense management solutions and worked to significantly reduce the workload involved in corporate expense settlement by combining their solutions with our corporate cards. We also promoted issuance of the Saison Platinum Business American Express® Card, a business card addressing the business payment needs of sole proprietors. Through these initiatives, we worked to provide optimal solutions based on company size and needs, promote cashless payments across corporate payment areas, and improve back-office efficiency.」

「In September 2017, we entered into a partnership agreement with Yokohama City, Kanagawa Prefecture, for a disaster prevention and mitigation awareness program. Through support for solving local issues using our corporate products, in collaboration with local governments, we worked to revitalize local communities.」

「In April 2017, we formed a partnership with Nitori and began issuing the Nitori UC Corporate Card to corporations and sole proprietors that use Nitori's products for businesses.」

「To capture the corporate payments market, we formed sales partnerships with Concur and other companies and worked to significantly reduce the workload involved in expense settlement by combining their solutions with our corporate and business cards. We also expanded sales of the Saison Platinum Business American Express® Card, a business card addressing the business payment needs of sole proprietors, and launched the Saison Smart Bank Transfer Service, which reduces bank transfer fees to improve the efficiency of administrative operations, particularly at small and medium-sized enterprises and sole proprietors. Through these initiatives, we worked to provide optimal solutions based on company size and needs, promote cashless payments across corporate payment areas, and improve back-office efficiency.」

「To capture the corporate payments market, we formed sales partnerships with companies including Concur, which provides a cloud-based expense management solution, and worked to significantly reduce the workload involved in expense settlement by combining these solutions with our corporate and business cards. We also expanded sales of the Saison Platinum Business American Express® Card, a business card addressing the business payment needs of sole proprietors, and launched the Saison Smart Bank Transfer Service, which reduces bank transfer fees to improve the efficiency of administrative operations, particularly for small and medium-sized enterprises and sole proprietors. Through these initiatives, we worked to provide optimal solutions based on company size and needs, promote cashless payments across corporate payment areas, and improve back-office efficiency.」

「To capture the corporate payments market, we formed sales partnerships with companies including Concur, which provides a cloud-based expense management solution, and worked to significantly reduce the workload involved in expense settlement by combining these solutions with our corporate and business cards. We also expanded sales of the Saison Platinum Business American Express® Card, a business card addressing the business payment needs of sole proprietors, and launched the Saison Smart Bank Transfer Service, which reduces bank transfer fees to improve the efficiency of administrative operations, particularly for small and medium-sized enterprises and sole proprietors. Through these initiatives, we worked to provide optimal solutions based on company size and needs, promote cashless payments across corporate payment areas, and improve back-office efficiency.」