English 
OKI has partnered with Billing System Co., Ltd. to provide ATM ” PayB Collection Service ” from February 2026. This service is realized by linking OKI’s integrated service collaboration platform ” XlivLinkS™ ” with Billing System’s payment service “PayB®”. This will create an environment where users can easily pay local taxes and utility charges at ATMs, and contribute to improving the efficiency of counter operations and reducing the burden of work at financial institutions. This service has been adopted by Higo Bank Ltd. and Seibu Shinkin Bank.
近年、キャッシュレス化が進み、税金や公共料金の支払いにデジタル決済を利用するケースが増えています。しかし、ATMなどの物理的なチャネルは、特に高齢者などデジタル機器に不慣れな世代に広く支持されています。また、地方税や公共料金の徴収は金融機関にとって手間と時間がかかり、大きな業務負担となっています。
OKI’s “XlivLinkS” provides a mechanism for easy access to various services through environments and devices that anyone is familiar with. The billing system “PayB” is a payment service that allows immediate payment by reading barcodes on payment slips with local tax unified QR code® (eL-QR®) or payment slips at convenience stores with a smartphone app. “ATM PayB”, which links “XlivLinkS” and “PayB” at ATMs, uses barcode readers installed in ATMs to provide a mechanism that allows users to easily pay by simply operating the ATM. This allows financial institutions to improve the efficiency of collection operations and the entire subsequent process. In addition, by utilizing ATMs that can be used outside of financial institution store business hours, such as at night, on weekends, and on holidays, it contributes to improving the convenience of paying local taxes and utility bills.
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肥後銀行と西武信用金庫が最初に採用し、2026年にサービスを開始する予定です。 オーキー and Billing System will strengthen the rollout of “ATM PayB” to financial institutions nationwide that face similar issues, contributing to improved operational efficiency and user convenience.
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