What are credit card payments? Mechanisms Features Implementation method Functions provided Wide range of security services FAQ

What are credit card payments?

Credit Card Payment is payment methods that allows you to pay for products using your credit card number, expiration date, etc. In recent years, it has become the most commonly used payment methods for online shopping, so by introducing it to your EC site, you can expect to increase your sales.
SB Payment Service's Credit Card Payment offers a variety of Billing methods and connection methods, making it easy for merchants to introduce a highly functional Credit Card Payment system.
In addition, to combat the recent increase in credit card fraud and information leaks, we also offer an identity authentication service (3-D Secure) and a one-time token system, allowing you to use Credit Card Payment with advanced security measures.

Increasing demand for credit card payments

From product purchases in-store to online shopping, the use of credit card payments is increasing every year.
Credit cards are becoming widely used by the general public as their convenience is advantageous not only to customers making the purchases but also for stores and e-commerce merchants. Customers can make purchases even without cash on hand to pay immediately, and by offering options such as installment payments and revolving payments to select the number of payments, merchants can also expect expanded sales opportunities for higher-priced products and services. In addition, using credit card payments allows you to complete payments automatically even for services such as digital content that require continuous payments, offering benefit to both the customer and the merchants.​

Benefits to customers

  • No need to exchange cash

    • Pay for even sudden expenditures
    • Eliminate the hassle of transferring money or preparing cash

  • Pay in installments

    • Reduce monthly payments
    • Fee-free up to 2 payments

  • Earn points and other special membership benefits

    • Exchange accumulated points for products and miles
    • Receive special benefits and services

Benefits to businesses

  • Expanded sales opportunities and improved sales

    • Lock in customers who want to use credit cards
    • Easier to raise unit sales prices as compared to cash

  • Improved efficiency in accounting processing

    • Reduce cash closeout and billing work
    • Improve your rate of uncollected payments

  • Expect an increase in regular billing and repeater customers

    • Automatic withdrawals easily lead to higher retention rates
    • Expect increased sales through more fixed-term contracts

Credit card payment mechanisms

Here we explain the mechanisms of SB Payment Service’s credit card payments.
SB Payment Service provides credit card payments as a PSP based on contracts with each credit card company. E-commerce site merchants can introduce and use credit card payments just by applying through SB Payment Service without having to go through contractual procedures with each individual credit card company.
In addition, SB Payment Service has acquired international brand licenses for Visa, MasterCard, and UnionPay, making us a one-stop shop from vetting though to providing payment services. As a result, we can support your new business development including payments.

Credit card payment mechanisms

Credit card payment features

Support for 6 major credit card brands

We accept the six major international brands (Visa, MasterCard, JCB, American Express, Diners Club International, Discover). As long as the credit card has a brand logo, we can accept Credit Card Payment regardless of the credit card company that issued it.

We also offer China UnionPay which supports Chinese UnionPay cards.

  • Depending on the credit card company's screening, we may not be able to provide this service.

Select your billing method

SB Payment Service provides billing and connection methods to meet your needs.

  • Billing methods provided by SB Payment Service

    You can choose between one-time billing, recurring billing (simplified), and recurring billing (fixed term/pay-as-you-go) for the billing method used when your customers pay.

  • One-time billing

    One-time billing is a billing method in which customers pay each time they purchase a product.

  • Recurring billing

    ・ Recurring billing (simplified)

    • Recurring billing (simplified) is a billing method in which a specified amount is continuously charged on a billing date set by SB Payment Service.
      Since SB Payment Service processes your customers' payments every month, you do not need to process monthly charges.

    ・ Recurring billing (fixed term/pay-as-you-go)

    • Recurring billing (fixed term/pay-as-you-go) is a billing method that allows you to set the billing dates and amounts at your discretion. A specified amount will be continuously charged on a billing date set by you.

Connection methods provided by SB Payment Service

SB Payment Service offers Link type and API type connections. Select a connection type to match your business environment.

Link type

Link Type is a connection method that calls up the payment screen provided by SB Payment Service and processes the payment. It is characterized by its simple and speedy implementation.
By using a Link Type Payment system connection methods, payments can be made without passing credit card information to merchants 's server.
API type

API type is a connection method in which payment information is exchanged between merchants and the SB Payment Service server to process the payment. The feature of this method is that merchants can freely design the payment screen.
The one-time token system allows you to make secure Credit Card Payment without having to handle (or pass through) any credit card information on merchants server, while still maintaining the flexibility of your payment screen.

Credit Card Account Update Service

This service checks the validity of credit card information stored with SB Payment Service with the credit card companies every month and updates the card numbers and expiration dates with the latest information.
This prevents payment errors caused by expired credit cards and enables stable billing.

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.

Linkable with 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.

merchants

  1. Inquiries

  2. Application

  3. System connection/start of use

Our company (SBPS)

  • Hearing/
    Present a quote

  • Vetting

  • System configuration

  • The period is an estimate. The start date of use may vary depending on payment methods you apply for and the status of screening by the payment provider.
  • Please note that if you do not submit all the required documents, you will not be able to undergo the screening process.
  • A SB Payment Service sales representative will provide you with the necessary documents when you apply.

Please see the following page for detailed installation procedures and costs.

Flow / procedure until the introduction of Online Payment Service


In addition, we will provide you with a quote for usage fees (commissions, etc.) after hearing your details, so please contact us using the inquiry 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
○ ○ ○
Connection methods Link type ○ API type ○
Billing methods Pay-as-you-go ○ Recurring (simple) ○ Recurring (fixed / metered) ○※
Available websites PC ○ Smartphone ○ Mobile phone ○
  • For Credit Card Payment, you can achieve Billing methods similar to recurring billing (fixed rate/continuous) by combining the provided functions.

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 (same as the certified copy of the company registry)
  • Transfer account
  • payment methods you will use (Credit Card Payment, Mobile Carrier Billing, etc.)
  • Desired service start date
  • IP restrictions for management tools
  • 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>

  • EC site concept
  • Contents of the products offered
  • Chargeable items (price range for each product)
  • Screen transition diagram (joining, payment, withdrawal)
  • Contents to be stated in the Specified Commercial Transactions Act

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
  • Product description materials
  • Certified copy of the registry
  • 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.

Measures against credit card information leaks

< merchants must respond>

Non-retention of credit card information
or
PCI DSS (※) compliant
Measures against fraudulent card use on e-commerce sites

< merchants must respond>

Implementing multifaceted and multi-layered measures to combat fraud
  • PCI DSS (Payment Card Industry Data Security Standard) is a security standard for the payment card industry that was created to ensure that merchants and service providers safely handle credit card member data.
    Summary materials: Related materials | Japan Credit Association

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.

Linked type payment system connection methods

This is a connection method that brings up a payment screen provided by SB Payment Service to process payments. Customers can make payments without their credit card information passing through your servers.

Link type Connection Method
One-Time Token System

The one-time token system is a function that converts the credit card information entered by the customer into a separate string called a token and processes the payment. By incorporating the JavaScript provided by SB Payment Service into your e-commerce site, you can make payments without storing credit card information.

One-Time Token System
Credit Card Information Storage Service

With our Credit Card Information Storage Service, SB Payment Service stores your customers’ credit card numbers. This eliminates the need for you to store credit card information for recurring billing.

Credit Card Information Storage Service
Tokenization service (MOTO)

The Tokenization service (MOTO, dedicated tablet device) is a service that issues permanent tokens to replace credit card information entered into a dedicated tablet provided by us with another string of characters. Using these permanent tokens instead of credit card numbers allows you to achieve non-retention of credit card information. As a result, costs for supporting non-retainment of credit card information and operational changes can be minimized.

Tokenization service
IVR Payment Service

The IVR Payment Service allows you to complete credit card payments using an automated voice response system. Since the customer is asked to enter their credit card information by following an automated voice, call center operators can process payments without coming into contact with the card information.

IVR Payment Service
Email Payment Link Service

The Email Payment Link Service allows customers to make payments online by providing them with URL to access the payment screen via email, SMS, or QR code. Customers enter their credit card information on SB Payment Service’s payment screen directly from the URL, so you can process payments without coming in contact with the card information.

Email Payment Link Service

Interview article published in Cashless Payment Revolution (Nikkei MOOK)

Multi-faceted and multi-layered fraud countermeasures provided by SB Payment Service

Multi-faceted and multi-layered fraud countermeasures refer to measures such as analyzing customer attributes and behavior and confirming shipping information in addition to introducing security codes and 3-D Secure authentication methods.
In addition to our AI Fraud Detection Service, SB Payment Service offers the following services that are effective against fraudulent credit card use. We recommend introducing these services as you can expect to prevent unauthorized use of stolen cards or spoofing.

Multi-faceted and multi-layered fraud countermeasures Services provided by SB Payment Service
Identity authentication
Give consumers a specific password
By entering this information, you will be able to authenticate yourself. 		Personal authentication service
(3-D Secure)		 Our Identity Authentication Service (3-D Secure) is a service that uses a password that the customer has pre-registered with their credit card company to authenticate their identity at the time of payment. The payment will not be processed if the password is incorrect when customers use their credit cards, making it possible to prevent unauthorized use via spoofing, stolen cards, or counterfeit cards, and make payments more secure.
security code
Enter the number (3 to 4 digits) on the ticket.
Verify that your credit card is authentic. 		security code
(CVV, CVV2)		 Security codes are 3- or 4-digit numbers printed on the front or back of a credit card. Only the customer, the credit card holder, knows the security code. By asking for a security code at the time of payment, you can reduce the risk of credit card fraud.
Attribute and behavior analysis
Based on past transaction information, etc.
Through risk assessment,
Identify fraudulent transactions. 		Fraud Detection Service Our AI Fraud Detection Service detects fraudulent use through payment information and machine learning. It calculates and scores the risk of fraudulent use based on historical data. The advantage of the AI Fraud Detection Service is that it can be introduced more easily than conventional fraud detection services.
Shipping Information
If fraudulent delivery address information accumulates, deliveries of goods etc. will be stopped in advance. 		Fraudulent Shipping Information Service The Fraudulent Shipping Information Service provides the latest fraudulent shipping address information updated by SB Payment Service daily. It allows you to detect suspicious shipping addresses by downloading the fraudulent shipping information and check the data yourself before shipping products.
Multi-faceted and multi-layered fraud countermeasures Identity authentication
Give consumers a specific password
By entering this information, you will be able to authenticate yourself. 		Services provided by SB Payment Service Identity Authentication Service (3-D Secure) Our Identity Authentication Service (3-D Secure) is a service that uses a password that the customer has pre-registered with their credit card company to authenticate their identity at the time of payment. The payment will not be processed if the password is incorrect when customers use their credit cards, making it possible to prevent unauthorized use via spoofing, stolen cards, or counterfeit cards, and make payments more secure.
Multi-faceted and multi-layered fraud countermeasures security code
Enter the number (3 to 4 digits) on the ticket.
Verify that your credit card is authentic. 		Services provided by SB Payment Service Security code (CVV, CVV2) Security codes are 3- or 4-digit numbers printed on the front or back of a credit card. Only the customer, the credit card holder, knows the security code. By asking for a security code at the time of payment, you can reduce the risk of credit card fraud.
Multi-faceted and multi-layered fraud countermeasures Attribute and behavior analysis
Based on past transaction information, etc.
Through risk assessment,
Identify fraudulent transactions. 		Services provided by SB Payment Service Fraud Detection Service Our AI Fraud Detection Service detects fraudulent use through payment information and machine learning. It calculates and scores the risk of fraudulent use based on historical data. The advantage of the AI Fraud Detection Service is that it can be introduced more easily than conventional fraud detection services.
Multi-faceted and multi-layered fraud countermeasures Shipping Information
If fraudulent delivery address information accumulates, deliveries of goods etc. will be stopped in advance. 		Services provided by SB Payment Service Fraudulent Shipping Information Service The Fraudulent Shipping Information Service provides the latest fraudulent shipping address information updated by SB Payment Service daily. It allows you to detect suspicious shipping addresses by downloading the fraudulent shipping information and check the data yourself before shipping products.
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.

Press releases regarding credit card payments

Please refer to the press releases below regarding our credit card payments when considering introducing our services.


Token Service to support Identity Authentication Service (3-D Secure)
- Strengthen security measures through the Token Service, enabling non-retention of credit card information -


Now providing the Token Service to enable non-retention of credit card information
- Strengthen security measures for online credit card transactions -


Now providing the Payment Terminal Service for in-person credit card payments
- Providing comprehensive payment services for both online and in-person transactions -


Established House Payment, a payment service specializing in rental housing
- Daito Trust Construction Group and SB Payment Services form a business partnership to enable one-stop credit card payments for everything from rent to infrastructure fees -


Online credit card payments now available as means of paying for nursing care-related services

FAQ

Here are questions we have received from businesses considering introducing credit card payments and merchants already using them.

Q.
Do you support installment payments?
A.
We support installment payments and revolving payments.
Q.
What is your sales deposit cycle?
A.
You can select between one or two deposits per month.
Q.
What are the costs to introduce your services?
A.
We will propose the most suitable plan according to the needs of your business and provide an estimate. Feel free to get in touch.
Inquiries
Inquiries
Q.
Do you offer payment terminals that can be used at storefronts?
A.
We offer a Payment Terminal Service that allows you to process credit card payments using a smartphone or tablet.
Payment Terminal Service

If you have any other questions, please check our FAQs.

If you are considering implementing, 
please feel free to contact us

Please contact us to download detailed information about our services and to discuss costs and implementation.

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