Regional Banks Embrace FinTech: Nanto Bank Selects Infcurion’s "Winvoice" Ahead of 2027 Promissory Note Phase-Out
Financial technology firm Infcurion announced that its B2B payment platform, "Winvoice," has been adopted by Nara-based Nanto Bank in a move designed to buffer regional businesses against looming regulatory shifts in corporate settlements.
The partnership marks the first instance of a Japanese regional bank utilizing the Winvoice platform to build and deploy its own white-labeled invoice card payment service.
Navigating the 2027 Paper Phase-Out
The launch of the “<Nanto> Invoice Card Payment powered by Winvoice” service comes at a critical transition period for Japanese corporate finance. The national government has mandated the complete abolition of paper promissory notes and checks by the end of March 2027. While this push for digitization is aimed at modernizing the economy, the transition has raised concerns among small and medium-sized enterprises (SMEs) regarding near-term liquidity and working capital management.
Nanto Bank’s new service is strategically positioned to mitigate these cash flow disruptions. By allowing corporate clients and sole proprietors to settle standard bank-transfer invoices via credit card (Visa, Mastercard, and JCB), the service effectively extends payment deadlines by up to 60 days.
Frictionless B2B Integration
A key selling point of the platform is its frictionless integration into existing B2B workflows. According to Infcurion, payments are executed and deposited into the supplier's account under the payer's actual name. Consequently, receiving vendors do not need to alter their accounts receivable processes, nor are they notified that a credit card was utilized for the transaction.
The fully web-based service also broadens its utility by supporting the payment of social and labor insurance premiums.
Strategic Agility and Time-to-Market
For Nanto Bank, the selection of Infcurion was driven by the need for speed and brand consistency. By leveraging Winvoice's existing user interface (UI) as an out-of-the-box solution, the bank was able to launch the service in just three months from the time of the initial decision.
Furthermore, the white-label nature of the Winvoice platform allows Nanto Bank to offer the service under its own trusted banner, maintaining a seamless and secure customer experience within its existing banking ecosystem. Looking ahead, Nanto Bank plans to leverage Infcurion’s APIs to integrate the payment function more deeply into its broader suite of corporate financial services.
Corporate Outlook
This deployment underscores Infcurion’s growing footprint as an embedded finance and payments infrastructure provider in Japan. For Nanto Bank—a regional powerhouse established in 1934—the initiative reflects a broader modernization strategy, shifting beyond traditional lending and deposits to offer comprehensive, tech-driven financial solutions tailored to the evolving needs of the local economy.
Market
Infcurion's stock price performance since its October 2025 IPO.
Norbert Gehrke
