JACCS Co., Ltd. (Japan Consumer Credit Service) is a consumer credit company founded in Hakodate, Hokkaido in 1954. It is the second-largest provider of consumer credit services in Japan by total transaction volume. It offers deferred payment options (individual contracts or credit cards) to consumers to facilitate big-ticket purchases. It pays sellers (member merchants) upfront on behalf of consumers, who pay back the amounts owed at a later date.