Jamm

Jamm is a Japanese fintech startup that enables online payments directly from bank accounts, providing a card-free alternative to credit cards for e-commerce transactions. Founded in 2023 by Sho Hashizume, Jamm connects merchants with customers across 308 financial institutions including major banks such as Mizuho, Mitsubishi UFJ, and Sumitomo Mitsui, charging a low processing fee of 1.8%. The service is designed to capture the segment of online shoppers who lack or prefer not to use credit cards, offering merchants a fraud-resistant, bank-authenticated payment rail backed by OAuth 2.0 and FIDO 2.0 security standards.