# JKOPay (街口支付)

> Source: https://docs.barcoder.ai/docs/wallets/jkopay
> research date 2026-05-29 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [JKOPay — official](https://www.jkopay.com/)

## Overview

**JKOPay (街口支付)** is **Taiwan's leading dedicated e-payment wallet**, operated by **JKOS Network Co., Ltd.** <sup>[1][1], [2][2], [Taiwan, Province of China report](https://docs.barcoder.ai/docs/payments/TW)</sup>. **Mid-2025: 6.93 million registered users** — making JKOPay **Taiwan's second-largest dedicated e-payment provider** behind **iPASS (6.98M) + ahead of PX Pay Plus (6.21M)**.

**Taiwan macro context (2025)** <sup>[3][3]</sup>: Taiwan's mobile-payment landscape is **fragmented across multiple platforms**. **LINE Pay** leads overall with **13.1 million registered users (>50% of Taiwan's population) + NT$756 billion ($25B) 2024 transaction volume** (>3x all FSC-regulated e-payment operators combined). **Taiwan mobile-payments market growing at 17.3% CAGR over next 5 years**.

**July 2025 incident**: **Online marketplaces briefly dropped JKOPay** <sup>[4][4]</sup> — context: brief commercial-relationship event.

## History

**2017 — JKOPay launches** <sup>[1][1]</sup> by JKOS Network: Taiwan dedicated e-payment wallet.

**2018-2024 — Mass Taiwanese adoption** <sup>[1][1]</sup>: Multi-million user growth.

**Mid-2025 — 6.93M registered users** <sup>[2][2]</sup>: TW's #2 dedicated e-payment.

**July 2025 — Brief marketplace drop incident** <sup>[4][4]</sup>.

## Ownership & operator

**Operating entity**: **JKOS Network Co., Ltd. (街口網絡)** — Taiwanese fintech.

**Regulator**: **FSC Taiwan (Financial Supervisory Commission)** — e-payment institution license.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | JKOPay mobile app (iOS + Android) + merchant QR network |
| **Identifiers** | Phone + QR code |
| **Account model** | Dedicated e-payment institution (Taiwan FSC-regulated; separate license category from banks) |
| **Sub-products** | P2P transfers + merchant QR + bill payment + ride/taxi + food-delivery integrations |

## Users & growth

**Mid-2025** <sup>[2][2]</sup>:
- **Registered users**: 6.93 million
- **TW rank**: #2 dedicated e-payment (after iPASS 6.98M)
- **Above PX Pay Plus**: 6.21M

**Taiwan mobile-payments macro** <sup>[3][3]</sup>:
- **LINE Pay leads overall**: 13.1M registered users (>50% of TW population)
- **LINE Pay 2024 transaction volume**: NT$756B (~$25B; >3x all FSC e-payment ops combined)
- **TW market CAGR**: 17.3% next 5 years

## Use cases

P2P transfers; merchant QR payments; bill payments; ride/taxi payments; food-delivery integration; Taiwan retail payments; e-payment institution products.

## Implementations & partners

**Operator**: **JKOS Network Co., Ltd.**

**Regulator**: **FSC Taiwan**.

**Major Taiwanese wallet competitors**: **iPASS Money** (6.98M; transit + payment), **PX Pay Plus** (6.21M; PX Mart retail-affiliated), **LINE Pay Taiwan** (13.1M registered; market leader; bank-affiliated rather than FSC e-payment institution), **Taiwan Pay** (CBC-led TW national QR), **EasyCard Money** (TW transit wallet).

## Fun facts

- **TW's #2 dedicated e-payment provider** (6.93M users, mid-2025).
- **Founded 2017** by JKOS Network.
- **Taiwan mobile-payments fragmented** — JKOPay + iPASS + PX Pay Plus + LINE Pay + Taiwan Pay split landscape.
- **LINE Pay TW market leader** with NT$756B 2024 volume (3x all FSC e-payment combined) — comparison reference for JKOPay scale context.
- **TW mobile-payments market CAGR 17.3%** over next 5 years.
- **FSC-regulated dedicated e-payment institution** — separate license category from banks.

## Comparison

| Feature | JKOPay | iPASS Money (TW) | PX Pay Plus (TW) | LINE Pay TW (market leader) | [Taiwan Pay](https://docs.barcoder.ai/docs/standards/taiwan-pay) (national QR) |
|---|---|---|---|---|---|
| Operator | **JKOS Network Co., Ltd.** | iPASS (TW transit + payment) | PX Mart (TW retail group) | LINE Pay Taiwan (LY Corporation) | CBC + TW banks |
| Type | **TW dedicated e-payment wallet** | TW transit + payment dedicated wallet | TW retail-group dedicated wallet | TW LINE messenger + payment | TW national QR |
| Country | Taiwan | Taiwan | Taiwan | Taiwan | Taiwan |
| Registered users (mid-2025) | **6.93M (#2)** | 6.98M (#1) | 6.21M (#3) | 13.1M (>50% TW pop) | n/a |
| License | **FSC e-payment institution** | FSC e-payment institution | FSC e-payment institution | Bank-affiliated | TW national rail |
| 2024 transaction context | n/a | n/a | n/a | NT$756B (~$25B; 3x all e-payment combined) | n/a |

## Status

**Active, Taiwan's #2 dedicated e-payment wallet** <sup>[2][2], [3][3]</sup>:
- **JKOPay** (JKOS Network) since 2017.
- **6.93M registered users (mid-2025)**.
- **FSC-regulated dedicated e-payment institution**.
- **TW mobile-payments market 17.3% CAGR**.

## Sources

[1]: https://www.jkopay.com/ "JKOPay — official"
[2]: https://kapronasia.com/insight/blogs/payments-research/asia-payments-research/taiwan-has-nearly-10-million-mobile-payment-users "TW mobile payment users — Kapronasia"
[3]: https://topics.amcham.com.tw/2025/10/taiwans-mobile-payments-from-boom-to-balance/ "TW mobile payments boom to balance — AmCham Taiwan"
[4]: https://www.taiwannews.com.tw/news/6154187 "Marketplaces drop JKOPay incident — Taiwan News"
[tw-cro]: https://docs.barcoder.ai/docs/payments/TW

- [1] [JKOPay — official][1]
- [2] [TW mobile payment users — Kapronasia][2]
- [3] [TW mobile payments boom to balance — AmCham Taiwan][3]
- [4] [Marketplaces drop JKOPay incident — Taiwan News][4]
- <sup>[Taiwan, Province of China report](https://docs.barcoder.ai/docs/payments/TW)</sup> In-corpus: `reports/countries/TW-taiwan.md`

## Source

Biography extracted from [jkopay.md](https://docs.barcoder.ai/source/wallets/jkopay). See `matrix.md` for standards-support matrix if present.