Settlement methods

Types of settlement methods

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.

Auto sales

Automatic sales is a method of automatically processing sales at the same time as the customer makes a payment on the EC site. The customer is billed by the payment institution at the same time as the purchase is completed. This means that merchants do not have to spend time on sales processing.

*Please note that this service may not be available depending on payment methods and the service merchants. Please contact us for details.

Designated settlement method

Designated sales is a method in which merchants merchants sales themselves at their own discretion.
When a customer makes a purchase on an EC site, the sale is not yet confirmed. The sale is in a "provisional sale*1" state, and the payment limit (credit limit*2) for the payment amount is secured. The sale is confirmed when merchants checks the inventory and provides the service.
When Credit Card Payment, the period for which you can reserve your credit card's credit limit varies depending on the card company, but is generally around 30 to 90 days.

*Please note that this service may not be available depending on payment methods and the service merchants. Please contact us for details.

*1 Difference between temporary sales and sales

"Provisional sales" means that when a product is purchased, the payment amount is secured from the customer's settlement credit limit. Sales are confirmed when merchants confirms that the service has been provided to the customer and processes the sales. After that, the card company will process the billing to the customer.
Furthermore, if the purchase is still in the provisional sales stage, no refund will be issued even if the purchase is canceled. The issue can be resolved simply by removing the payment amount from your credit limit.
*There are payment methods that do not allow provisional sales. Please contact us for details.

*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.

Settlement method examples by industry

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 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.

Selecting the best settlement method for your products and services

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.

Implementation method

Please see the About Implementation page regarding the procedures from application to start of use.
We will provide an estimate of usage costs (fees, etc.) after inquiring about your details.

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