Credit Card Payment

By utilizing Credit Card Payment, which have a high usage rate, we can expand sales and create opportunities for repeat purchases.

The number one payment methods used in e-commerce.

We provide support from implementation to operation, boosting sales and encouraging repeat purchases.

  • Supports continuous billing
  • API and Link Type support
  • Includes free fraud detection service
  • *We will provide you with an individual quote immediately.
  • *The video is an image.
What are credit card payments? Benefits of implementation main functions and scope pricing structure reasons for choosing implementation flow case studies frequently asked questions recommended payment services

What are credit card payments?

Credit Card Payment are the most common payment method in the e-commerce market.
payment methods used.

By implementing this system, you can maximize sales opportunities by minimizing the loss of potential customers who are likely to make a purchase.

Usage rate when purchasing online (multiple answers allowed)

Credit card
settlement

59.4%

Credit Card Payment is a system where customers enter their credit card information and pay for their purchases in a lump sum at a later date. Many e-commerce users have experience with this method, and it boasts the highest usage rate for both physical goods and digital content.

Therefore, for merchants, implementing Credit Card Payment is both a "minimum requirement" and one of the measures that "has the most direct impact on sales." The longer you delay implementation, the higher the probability of customers abandoning their shopping carts just before purchase.

Source: SB Payment Service Corp., "Survey on payment methods When Purchasing Goods at Online Shops" (July 2025)

Benefits of Accepting Credit Card Payments
​

Introducing Credit Card Payment,
This not only helps merchants their sales, but also improves the customer purchasing experience and contributes to repeat purchase rates.

merchants
  • Supports the No. 1 payment methods used in e-commerce,
    Minimize opportunity cost
  • The credit card company will pay the amount upfront.
    Low risk of non-recovery
  • Supports recurring and subscription billing.
    Easy operation of subscription businesses
customer
  • A wide range of options are available, including point rewards and installment payments.
  • Secure usage with fraud protection.
  • You can manage your expenses in one place with detailed statements.

Main functions and coverage

We offer a variety of Billing methods, connection methods, and options to suit the diverse business models of merchants.

*You can achieve the same billing method as recurring billing (fixed term/pay-as-you-go) with credit card payments through a combination of functions provided.

Connection methods
Link type API type
○ ○
View connection method in detail
Billing methods
Pay-as-you-go Recurring
(simple)		 Recurring 
(fixed/ metered)
○ ○ ○
View details of Billing methods
Settlement methods
Automatic Specified
○ ○
View Settlement methods in detail
We will provide the screens required for payment procedures. This is an easy-to-implement connection method. Link Type Details
This is a connection method that allows merchants to freely build their own payment processing screens. API type details
This is Billing methods where you pay each time you purchase a product. Billing methods details
This is Billing methods in which specified amount is charged continuously on the billing date determined by our company. Billing methods details
This is Billing methods Billing methods which merchants specifies the billing time and amount and settles continuously.
Method in which sales are confirmed immediately upon purchase
Method of processing sales at the merchant’s discretion (confirming sales at the time of shipment for product sales sites, etc.)
Connection methods
Link type API type
○ ○※
View connection method in detail
Billing methods
Pay-as-you-go Recurring
(simple)		 Recurring 
(fixed/ metered)
○ ○ ○※
View details of Billing methods
Settlement methods
Automatic Specified
○ ○
View Settlement methods in detail

Automated Account Updater
​

This feature automatically renews expired cards, preventing payment errors and unintended cancellations for recurring billing.

Fee structure

Monthly, initial, and transaction fees are tailored to your business needs.
​

For a formal quote, please contact us via the "Inquiry" or "Document Download" sections.

For those considering introducing Credit Card Payment

Please feel free to contact us regarding pricing, implementation procedures, and combinations with other payment methods.

Why Choose Our Credit Card Payment Solution?
​

A highly reliable payment infrastructure that supports sales opportunities.

Our payment platform, which supports major international brands, offers robust security, and features extensive e-commerce cart integration, making it a merchants.

  • It is possible to implement six major international brands all at once.

    We offer integrated implementation of Visa, Mastercard, JCB, American Express, Diners Club, and Discover through our service center. This reduces the hassle of individual contracts with each company, allowing for smooth implementation and operation. We also offer "China UnionPay" which supports China's UnionPay cards.

  • Measures to prevent fraudulent use and protect card information,
    Extensive security measures

    *Includes paid options

    See the list of security measures here.

  • A stable payment infrastructure that never fails, even under high traffic.
    ​

    Stable processing even with large-scale transactions. Uninterrupted processing performance even during periods of high access ensures you don't miss out on sales opportunities.

    *Based on 2025 data
    • Settlement transaction volume
      11.4 trillion yen/year
    • Number of sales processed
      550.11 million cases/year
    • Number of online transactions processed
      2,039,210,000 cases/year
    • Credit processing speed
      1-2 seconds/case

  • No development required for integrated e-commerce platforms.
    ​
    ​

    If you use one of our pre-configured shopping carts (over 20 options available), you can easily implement our Credit Card Payment without any development work. merchants that have already implemented an e-commerce cart can integrate it smoothly.

    Click here for a list of e-commerce cart packages.

Implementation Flow

We will guide you through the process from application to service activation for Credit Card Payment within approximately 3 weeks to 2 months.
The time it takes to start using the service may vary depending on the services merchants and the approval status of payment methods you apply for.

  1. merchants inquiries

  2. ​SBPS​ interviews and estimates

  3. merchants Application

  4. Our (SBPS) review

  5. Our company (SBPS) system construction

  6. merchants connect to the system/start using it

  • The period is an estimate. The start date of service may vary depending on payment methods you choose and the approval status of the payment provider.
  • Please note that if any required documents are missing, you will not be able to undergo the review process.
  • Required documents will be communicated to you by our sales representative at the time of application.

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One-stop support for contracts and integration with multiple brands.

We provide comprehensive support from contract signing to system implementation.
Because it's already integrated with over 20 different e-commerce cart packages, in some cases it can be implemented without any development work.

Comparison between individual contracts and contracts made through our company

item Individual contracts (directly with each credit card company) Through our company (one-stop service)
Review window ・By credit card company We handle everything in-house.
Payment system development ・Individually developed to meet each company's specifications. Developed exclusively to our company's specifications.
Deposit cycle ・Diversification of payment cycles Consolidating payments from various credit card companies into a single payment system.
EC cart integration ・Conduct individual investigations and contracts within our company. Over 20 types of connections already established.

Credit Card Payment
Case Studies

Our Credit Card Payment is chosen by customers across a wide variety of industries and business types. Key implementation examples are as follows:

FAQ

Q.
How long does it take to implement the system?
A.
Depending on the size of merchants, your shopping cart system, and the range of brands you require, it typically takes 3 weeks to 2 months to get started. We will provide you with a detailed schedule when you contact us.
Q.
To what extent can I receive support regarding security measures?
A.
We offer advanced security features such as user authentication (EMV 3-D Secure), AI fraud detection, and permanent tokens (non-retention). Our system complies with credit card security guidelines.
Q.
Do you also support recurring billing (subscriptions)?
A.
We also support recurring billing (simple/regular/pay-as-you-go) and credit card account update (automatic renewal of expired cards).
Q.
Can it be implemented in combination with other payment methods?
A.
Yes. You can implement multiple payment methods at once, including PayPay (Online Payment), Mobile Carrier Billing, and CVS Payment.
Q.
Please tell me about the pricing plans.
A.
We will provide a customized quote based on your business operations, transaction volume, and required functionality. Please contact us for details.

Other than Credit Card Payment
Recommended payment services

In addition to credit cards, we can implement a variety of payment methods all at once.

List of various payment services

For those considering introducing Credit Card Payment

Please feel free to contact us regarding pricing, implementation procedures, and combinations with other payment methods.