Credit Card Payment service

What are credit card payments?

Credit Card Payment are payment methods that allows you to pay for products and other items 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 e-commerce site, you can expect to increase your sales.
With our company, you can easily implement a highly functional Credit Card Payment service that suits any business scale, from startups to large corporations.
In addition, to address the recent increase in fraudulent credit card use and information leaks, we offer "personal authentication service (3-D Secure)" and "one-time token system," allowing you to use Credit Card Payment under advanced security measures.

A widely used Credit Card Payment service

Credit Card Payment services are widely used not only in-store but also for payments on e-commerce sites. In a survey conducted by our company in 2025, Credit Card Payment services were the most frequently used payment methods on e-commerce sites for both physical goods, digital content, and services. Introducing Credit Card Payment service will enable you to meet the payment needs of many customers.

Source: SB Payment Service Corp., "2025 Edition: Results of the 6th Survey on the Status of E payment methods Usage" (July 2025)

Benefits for merchants and customers

How to implement Credit Card Payment service

If merchants do not use a PSP company, they will have to apply to each payment institution individually and undergo screening, and they will also have to develop a payment system individually to suit each payment institution.However, by using our company, merchants the time-consuming screening and contract work on your behalf.
Payment systems can also be developed to support multiple payment methods simply by adapting them to our system.

In addition, because we hold international brand licenses for Visa, Mastercard, and UnionPay, we can provide a one-stop service from application screening to the provision of payment services, allowing us to flexibly support the development of new businesses, including payment services.

Why SB Payment Service is chosen

1. Supports six major international brands, covering a wide range of customers

We also offer "China UnionPay," which is compatible with China's UnionPay cards.

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

2. Billing and connection methods can be selected to suit your business model

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

Billing methods

merchants can choose from three Billing methods when making payments to their customers: "One-time billing," "Recurring billing (simplified)," or "Recurring billing(fixed term/pay-as-you-go)." We ​^accept the six major international credit cards (Visa, Mastercard, JCB, American Express, Diners Club, and Discover)*. As long as the credit card has one of these brand logos, we can accept Credit Card Payment regardless of the issuing credit card company.

Credit card account update service ideal for recurring charges

This is a service that verifies the validity of credit cards stored by our company with the credit card company every month and updates the credit card number, expiration date, etc.
This prevents payment errors caused by expired credit cards and enables stable billing processing.

• Credit Card Account Update Service

Connection methods

The connection method is the way to connect merchants with our payment system when introducing various payment methods, including Credit Card Payment services.Businesses merchants choose between the "Link Type" and the "API type" depending on their needs.

• Link Type
• API type

3. Comply with credit card security guidelines

​We provide services that comply with the Credit Card Security Guidelines established by the Credit Transaction Security Council.

Credit card information non-retention service

Payment system connection methods Link Type

One-Time Token System

Credit Card Information Storage Service

Tokenization service

IVR Payment Service

Email Payment Link Service

Multifaceted and multi-layered fraud prevention services

Identity authentication service (EMV 3-D Secure)

AI Fraud Detection

Security code (CVV, CVV2)

Fraudulent Shipping Information Service

4. If you use a linked EC cart package, no system development is required

If you use one of our connected carts (we have over 20 types available), you can easily use our Credit Card Payment service without any development work required.

Fees for Credit Card Payment services and the process for implementation

We will introduce the fees and implementation procedures required for implementing our Credit Card Payment service.

Credit Card Payment service fees

Introducing Credit Card Payment service requires initial costs, monthly fees, and processing fees. Costs and processing fees vary depending on the type of business and transaction volume, so please feel free to contact us for more information.

Steps for introducing Credit Card Payment services

It will take approximately 3 weeks to 2 months from application to start of use of Credit Card Payment service. The period until start of use may vary depending on the service content of merchants and the screening status of payment methods applied 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 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.
• Our sales representative will inform you of 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

Credit Card Payment service implementation example

Our Credit Card Payment service is chosen by customers in a wide variety of industries and business types. Major implementation examples are listed below.

• 
  100 - 1000 people

  /

  Security and fraud prevention

  /

  Online Payment Service

  • Merchandise

  Over 80% of payments were successful, resulting in a dramatic increase in conversions

  Golfdo Co.,Ltd.

• 
  Less than 100 people

  /

  Operational Improvement

  /

  Online Payment Service

  • Food & Drink

  Introducing mobile ordering to reduce the amount of time spent accepting orders at stores

  Gong cha Japan

• 
  100 - 1000 people

  /

  Increase LTV/Sales

  /

  Online Payment Service

  • Platform

  Introducing payment methods for hometown tax donations that can be used in a variety of regions and environments

  Satofull Co., Ltd.

• See all case studies
• Download case studies

Recommended payment services other than Credit Card Payment services

In addition to Credit Card Payment services, there are several other recommended payment services. The main recommended payment services are as follows:

• 

  You can introduce the payment methods of the three major carriers, Softbank, DoCoMo, and au, all at once. It is easy to operate and prevents the basket from falling.

  Mobile carrier billing

• 

  It is a payment service that utilizes PayPay accounts and applications. It reduces the trouble of entering information and prevents customers from dropping their baskets.

  PayPay (Online Payment)

• 

  This is a payment service for customers who have a Rakuten ID. You can collect and use Rakuten Super Points.

  RakutenPay (Online)

• 

  It is a payment service that allows you to easily pay at convenience stores nationwide. Use the specific number provided at the time of purchase.

  CVS payment

• 

  This is a payment service that allows customers to pay at convenience stores, banks, post offices, etc. after receiving the product.

  NP postpaid

• 

  Amazon Pay is a simple and convenient payment service that uses your Amazon account.

  Amazon Pay

List of various payment 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.

Please tell me about the payment cycle for sales.

A.

You can select between one or two deposits per month.

Q.

Please tell me the detailed costs involved in implementation.

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.

Yes, we have several available. merchants such as an all-in-one payment terminal that supports over 30 payment brands with a single terminal, or a POS-linked Multi payment terminal that can be connected to a POS register, so please check the page below first.

Payment services for in-stores

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

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