Credit Card Payment

Linkable with various e-commerce shopping cart packages

With SB Payment Service, you can introduce credit card payments on not only on your own e-commerce site but also on sites built though various e-commerce shopping cart packages.

Features of SB Payment Service

SB Payment Service is a PSP that can propose a wide range of payment methods and affiliated services that meet your needs, such as Online and In-Store Payment Services, Marketing Support Plans, and our AI Fraud Detection Service.
Our annual transaction volume has grown to roughly ¥4 trillion (FY2020 results), and we provide reliable security services based on our track record of managing payment systems and payment information for SoftBank Group companies.

How to implement credit card payments

When applying for our credit card PSP services, the procedures to begin using the services will flow as per the following.

*Time frames are approximate. The start date will vary depending on the payment methods you apply for and the screening status by the payment provider.
*Please note that if you do not provide all of the required documents, you will not be able to undergo the vetting process.
*Our sales staff will inform you of the required documents at the time of application.

Please see the following page for details on the implementation procedures and costs.
Flow of procedures for introducing Online Payment Services

We will also provide you with a usage cost estimate (fees, etc.) upon gathering your details, so please submit an inquiry through the button below.

Functions provided for credit card payments

• Connection methods
  Link type	API type
  ○	○

• Billing methods
  Pay-as-you-go	Recurring (simple)	Recurring (fixed / metered)
  ○	○	○ ※

• Available websites
  PC	Smartphone	Mobile phone
  ○	○	○

*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.

Documents required to apply for credit card PSP services

The following documents are required to apply for SB Payment Service’s credit card PSP services.

Application

SB Payment Service will send you a designated application form.
Please fill in the form with the following items and submit it.

<Contents to be entered in the application form>

• ・ Company information (must match certified copy of register)
• ・ Account for payment
• ・ Payment methods to be used (credit card payments, mobile carrier billing, etc.)
• ・ Desired start date
• ・ IP restrictions for management tool
• ・ Payment system connection methods
• ・ IP address

Service overview materials

If you apply for our credit card PSP services before your e-commerce site is live, you will need to provide service overview materials (materials that explain the content of your services).
Please fill in the following required items on your service overview document and submit it.

<Items to be described in the service outline document>

• ・E-commerce site concept
• ・Content of products provided
• ・Billing scope (price range for each product)
• ・Screen redirection diagram (enrolling on site, paying, withdrawing membership)
• ・Notation under the Act on Specified Commercial Transactions

Other documents required

In addition, the following documents are required.
SB Payment Service will inform you if any documents other than the following are required based on the payment methods.

<Documents required for all payment methods >

• ・ Merchant application form
• ・ Explanation of products handled
• ・ Certified copy of register
• ・ Seal certificate

SB Payment Service is compliant with the Credit Card Security Guidelines

SB Payment Service offers services that comply with the Credit Card Security Guidelines established by the Credit Transaction Security Council.

The Credit Transaction Security Council is a council composed of credit card companies, PSPs, government agencies, etc., with the Japan Consumer Credit Association as the secretariat. The Japan Consumer Credit Association is certified by the Minister of Economy, Trade and Industry as a certified installment sales association based on the Installment Sales Law and as an accredited personal information protection organization based on the Act on the Protection of Personal Information .

The Credit Transaction Security Council formulated an Action Plan for the Consolidation of Security Measures for Credit Card Transactions that summarizes security measures and initiatives for credit card companies and merchants, promoting the development of safe and secure environments for the use of credit cards.
The Credit Card Security Guidelines have been formulated as a successor document as it was determined that continuous consideration and implementation of security measures would be necessary even after the end of March 2020, the deadline for implementation of the Action Plan.

At SB Payment Service, we provide non-retention of credit card information and AI fraud detection services to meet your needs in order to satisfy the credit card security guidelines.

Security measures merchants need to take

The Credit Card Security Guidelines consist of three pillars: measures against credit card information leaks, measures against fraudulent card use through e-commerce, measures against the fraudulent use of counterfeit cards.
The two security measures that merchants need to take are measures against credit card information leaks and measures against fraudulent card use on e-commerce sites.
SB Payment Service provides security services to implement these two measures as below.

SB Payment Service's non-retainment of credit card information services

Non-retention of credit card information means that credit card information is not stored, processed, or passed through equipment or networks owned by merchants.

SB Payment Service proposes the following security services needed for non-retention of credit card information and PCI DSS compliance according to your business’ needs. If you are a merchant comparing and considering services, please be sure to get in contact with us.