For Japanese companies using payment processors such as [Stripe Japan], [PayPal Japan], or Japanese merchant banks, the review process is primarily about proving:
1. The company legally exists in Japan
2. The business activity is clearly described
3. The website accurately reflects the services being sold
4. Customers can identify who they are paying
5. There are proper disclosures, policies, and contact methods
6. The business is not presenting as unlicensed medical treatment or high-risk financial activity
For a company such as [Synaptek Labs] operating in scientific consulting/testing/research support, the key issue is usually how the services are described, not the Japanese corporation itself.
Typical Japanese payment processor requirements:
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# 1. Legal Company Information (must match registry exactly)
Your site and payment application should display:
* Legal company name (exactly as registered)
* Japanese corporate number (法人番号)
* Registered business address
* Representative director name
* Contact email
* Telephone number
For Japan this is usually placed in:
* 特定商取引法に基づく表記 (“Specified Commercial Transactions Act” page)
* Footer
* Terms page
Example format:
> SYNAPTEK Deep Learning Solutions合同会社
> Representative: Kevin W. McCairn
> Address: [registered address]
> Tel: 080-9396-0076
> Email: [info@synapteklabs.com]
—
# 2. Clear Business Description
This is one of the most important parts.
Japanese acquirers and Stripe reviewers reject vague or medically aggressive descriptions.
Bad:
* “Experimental treatment”
* “Cures long COVID”
* “Medical intervention”
* “Regenerative therapy”
* “Patient treatment program”
* “Neurovascular restoration therapy”
* “Anti-amyloid therapeutic treatment”
Safer descriptions:
* Scientific consulting
* Research coordination
* Biomarker analysis support
* Laboratory data analysis
* Microscopy image analysis
* International clinical coordination support
* Scientific education and reporting
* Translational neuroscience consulting
* Sample logistics coordination
* AI-assisted image quantification
For Stripe specifically, your application description should be something like:
> “Japanese scientific consulting and laboratory analysis company providing microscopy analysis, biomarker interpretation support, research coordination, and educational scientific reporting services.”
Not:
> “Providing experimental DFPA/SGF treatment for long COVID.”
—
# 3. Website Requirements
Payment processors in Japan increasingly run automated scans.
Your website should contain:
### Required pages
* Home
* About
* Contact
* Privacy Policy
* Terms of Service
* Refund Policy
* Commercial Disclosure page (特商法)
—
# 4. Refund / Cancellation Policy
Japanese processors want explicit policies.
Example:
> Consulting and laboratory analysis services are scheduled in advance. Refunds are assessed case-by-case prior to service delivery. Completed scientific analysis services are non-refundable.
You need:
* Refund conditions
* Cancellation rules
* Delivery timelines
* Currency used
* Payment timing
—
# 5. Medical Claims Risk
This is where many accounts get flagged.
If the site appears to:
* diagnose disease,
* sell treatment,
* advertise unapproved medical procedures,
* or make efficacy claims,
then processors may classify you as:
* high-risk medical,
* telemedicine,
* unlicensed healthcare,
* or prohibited health claims.
In Japan this intersects with:
* 医薬品医療機器等法 (PMD Act)
* 景品表示法 (advertising law)
Safer wording:
* “research”
* “investigational”
* “scientific analysis”
* “educational”
* “case review”
* “coordinated through licensed medical institutions”
Avoid:
* “we treat”
* “we cure”
* “we reverse”
* “proven therapy”
—
# 6. Proof of Business Operations
Stripe and banks may request:
* Japanese 登記簿謄本 (corporate registry extract)
* Corporate number confirmation
* Director ID/passport
* Japanese bank account
* Utility bill
* Invoices/contracts
* Website screenshots
* Explanation of business model
* Expected transaction volume
* Customer countries
—
# 7. Banking Compatibility
Japanese banks that usually work relatively well with international processors include:
* GMO Aozora Net Bank
* Shinsei Bank
* Sony Bank
* PayPay Bank
Traditional megabanks can be slower with international startup-style businesses.
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# 8. Biggest Risk Factors For Review Failure
For companies in your area, the most common triggers are:
* Long COVID treatment claims
* Stem cell language
* “experimental therapy” wording
* Before/after patient claims
* Donation requests mixed with services
* Scientific claims without disclaimers
* “medical tourism” appearance
* No refund policy
* No Japanese legal disclosure page
* Missing physical address
—
# 9. What Stripe Usually Wants to See
A clean, boring business presentation.
The more your site looks like:
* consulting,
* analytics,
* scientific reporting,
* research coordination,
the easier approval becomes.
The more it looks like:
* direct medical intervention,
* experimental therapy marketing,
* biotech crowdfunding,
* or health outcome promises,
the harder compliance becomes.
For Synaptek specifically, the safest positioning is likely:
> “Scientific consulting and translational biomarker analysis company supporting research collaborations, laboratory image analysis, and international scientific coordination.”
rather than direct therapeutic positioning.