There are two types of settlement methods for e-commerce sites, "automatic settlement" and "designated settlement," which differ in the timing that sales are confirmed. Each is processed differently depending on the settlement method type.

Automatic sales

Automatic sales

自動売上とは、ECサイトでお客さまが決済したのと同じタイミングで、自動的に売上処理を行う方式です。購入完了と同時に、決済機関からお客さまへ請求処理が行われることになります。事業者さまが、売上処理に時間をかけずに済みます。

※導入する決済手段、事業者さまのサービスによりご利用できない場合があります。詳しくはお問い合わせください。

Designated settlement method

Designated settlement method

指定売上とは、事業者さまの任意のタイミングで、事業者さまご自身にて売上処理を行う方式です。
ECサイトでお客さまが購入した時点では、まだ売上確定にはなりません。「仮売上※1」の状態で、支払い額分の決済の利用枠(与信枠※2)を確保したことになります。事業者さまが在庫などを確認して、サービスを提供することで、「売上確定」となります。
クレジットカード決済の場合は、お客さまのクレジットカードの利用枠を確保できる期間はカード会社によって異なりますが、30~90日程度が一般的です。

※導入する決済手段、事業者さまのサービスによりご利用できない場合があります。詳しくはお問い合わせください。

*1 Difference between temporary sales and sales

「仮売上」とは、商品を購入したときに、お客さまの決済の利用枠(与信枠)から支払い額が確保されている状態を意味します。事業者さまが、お客さまにサービスを提供したことを確認して売上処理を行うことで、「売上」が確定となります。その後、カード会社からお客さまへの請求処理が行われます。
なお、仮売上の段階であれば、購入がキャンセルになった場合も、返金作業が発生しません。決済の利用枠から決済額を外す処理を行うだけで、対応できます。
※仮売上ができない決済手段がございます。詳しくはお問い合わせください。

*2 What is a credit line?

A credit line is the limit set by the card company on how much can be spent. Credit lines can be increased by building a credit history and credit score.

Automatic sales and designated sales each have their own characteristics, and it is necessary to select the appropriate method depending on your industry. Here, we will introduce the settlement methods used in product sales and digital content as an example.

For product sales

The settlement methods often used in product sales is "designated settlement." After a customer purchases a product on an e-commerce site, merchants check their inventory and then ship the product. With designated sales, you can check whether or not the product is out of stock before confirming the sale, which will surely give peace of mind. Even if it is out of stock, you can settle the matter by just explaining the situation to the customer and canceling the order.
However, if you are always in stock and ready to ship, you can also select the automatic settlement method.

For product sales

For digital content

The settlement method commonly used for selling digital content is "automatic settlement." Games and other forms of digital content never run out of stock. That is why when a customer makes a purchase, the sale can automatically be processed immediately. Customers can use digital content they have purchased right away.

For digital content

It is necessary for businesses to understand the differences between the settlement methods and select the one most suitable for your products and services. If you have any questions about the settlement methods, please contact SB Payment Service.

Please see the About Implementation page regarding the procedures from application to start of use.
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