How much is the fee for convenience store payment? Key points when introducing payment

ECサイトにコンビニ決済をご導入される場合、手数料はどのくらいかかるのか？どういった仕組みで決済・入金は行われるのか？そういった疑問をお持ちのEC事業者さまに向け、コンビニ決済の基本知識からコンビニ決済導入のポイントについてまで分かりやすく解説いたします。

What is CVS Payment?

Convenience store payment is a payment service that allows customers to pay for products at major convenience stores nationwide using a specific number issued when they make a purchase on an e-commerce site.
It is the third most used payment method after credit card payment and online payment, and is used by over 15% of customers.

ネットショップでよく利用する決済手段（複数回答）

出典：SBペイメントサービス「【2021年版】ネットショップで物品を購入する際の決済手段に関する調査」（2020年12月）

コンビニ決済を好む利用者の層

There are several reasons why convenience store payments are so widely used.

<Reasons why customers choose convenience store payment>

• ・I don't have a credit card
• ・I don't want to use credit cards (concerns about information leakage and unauthorized use)
• ・You cannot apply for a credit card (for example, if you are under 18 years old)
• ・Convenience stores have many stores and are highly convenient.
• ・I want to pay in cash at the store

First, there is a certain number of people who do not have credit cards or do not want to use them. After hearing news about personal information leaks and credit card fraud, many people may decide they don't want to use credit cards.
Additionally, since people under the age of 18 cannot apply for a credit card, convenience store payment is a convenient payment method for young people.

There are approximately 56,000 convenience stores nationwide, so they are popular for their convenience. Many people find it safer to pay in cash at a store. Some people may not be used to paying online or would prefer to pay in cash if possible. Convenience store payment is used in a variety of situations as a payment method that meets these needs.

Reference: Japan Franchise Chain Association “JFA Convenience Store Statistical Survey Monthly Report” (October 2023)

CVS Payment and fees

From here, we will explain the fees that e-commerce businesses are most concerned about when introducing convenience store payments. The costs required for an e-commerce business to introduce convenience store payment are as follows.
Please note that each cost varies depending on the industry and payment agency, so we recommend checking before implementing the service.

• ・Initial cost
• ・Monthly cost
• ・1決済あたりの手数料

Regarding fees per transaction, the amount is determined by the amount of each transaction. The upper limit for one payment is less than 300,000 yen, and a transaction fee of about 100 to 600 yen is required.

For your information, unlike convenience store payments, many payment methods such as credit card payments charge a fee of several percent of the product price per transaction. For example, if you sell a product worth 10,000 yen by credit card, a commission of around 1.00% to 10.00% will be required, so the amount you will have to pay to the e-commerce business will be around 100 yen to 1,000 yen.

When introducing convenience store payment, the e-commerce business can decide how the payment fees will be shared between the e-commerce business and the customer. If the entire fee is borne by the e-commerce business, there will be no burden on the customer, but it is important to note that each payment incurs a cost.
On the other hand, while increasing the percentage of fees paid by customers will reduce the cost burden on e-commerce businesses, there is a possibility that some customers will avoid making purchases.

Convenience store payment fees borne by customers

As mentioned above, the fees that customers pay when making convenience store payments vary depending on the e-commerce site and service they use. If all fees are borne by the e-commerce site, there will be no fees for the customer.

Payment methods for convenience store payments and fees borne by businesses

There are generally two types of payment methods for convenience store payments: "payment slip type" and "payment number type," and the fees borne by the business operator differ depending on the payment method.

払込票タイプ

With the payment slip type, the e-commerce business sends a payment slip with a barcode, product amount, and payment date to the customer, and the customer presents the payment slip at the cashier of a convenience store and pays for the product. This is how you pay.
Although it requires administrative work for e-commerce businesses to print and send transfer slips, it is a payment method that is familiar to customers of a wide range of generations, so it can be used without hesitation.

Example of usage amount, fees, and expenses for payment slip type (to be borne by business operator)

Payment number type (online payment number issuing method)

With the payment number type (online payment number issuance method), when a customer makes a purchase on an e-commerce site, the customer must either tell them the various numbers required for payment displayed on the e-commerce site at the cash register of a convenience store, or use the number installed at the convenience store. This method allows you to pay by entering the payment slip into a dedicated terminal and presenting it to the cashier.
The advantage is that e-commerce businesses do not need to send payment slips to customers, and there is no administrative burden.

Example of usage amount, fees, and expenses for payment number type (online payment number issuance method) (to be borne by business operator)

SB Payment Service provides the latter payment number type (online payment number issuance method).
Convenience store payments have the advantage that they can be used even by young customers who do not have credit cards, and they do not need to have cash ready when receiving the product, unlike cash on delivery.
At the same time, for e-commerce businesses, by introducing payment methods that meet customer needs, they can expect to expand their customer base and sales, which they have missed out on in the past.

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コンビニ決済とは？その仕組みとメリットについて

▼SBペイメントサービスのコンビニ決済サービスについて詳しく知りたい方はこちら

SB Payment Service for introduction of CVS Payment payment agency service

全国の主要なコンビニエンスストア店頭でお支払いいただけて、どなたでも使える決済手段

Advantages of introducing convenience store payment for EC businesses

For e-commerce businesses, convenience store payments have many advantages. Here, we will introduce four typical benefits.

売上向上が見込める

The biggest advantage of convenience store payments is that you can expect to increase sales. Convenience store payment, which allows payments 24 hours a day, 365 days a year, is a convenient payment method for customers and is expected to have a sales promotion effect.
It can be said that this payment method can be used by a wide range of customers to suit their lifestyles, such as stopping by a convenience store to make a payment on their way to work or school.

クレジットカードを持たない層をターゲットにできる

One of the benefits of convenience store payment is that it allows e-commerce sites to target people who do not have credit cards. In fact, more than 15% of customers choose convenience store payment when purchasing products online. It would be a good idea to make sure to incorporate it without ignoring it.
By capturing as new customers customers for whom credit card payments were the main reason for hesitation in purchasing products on e-commerce sites, you may be able to expand your target group.

Payment confirmation can be done quickly

One of the benefits of introducing convenience store payment is the ability to quickly confirm deposits in real time. In the case of financial institutions, if you have not opened an online account, the only option is to confirm the deposit during the counter's business hours.
On the other hand, if you pay at a convenience store, you can check the payment status on the management screen within a few minutes to an hour after the payment. The ability to quickly confirm payments is a major benefit for businesses of introducing convenience store payments.

Non-payment can be prevented

One of the important benefits of introducing convenience store payment is that it helps prevent non-payment. By adopting a prepayment system in which products are shipped after confirmation of payment at a convenience store, the risk of non-payment can be reduced.
Additionally, some payment processing companies offer non-payment guarantees for deferred payments made at convenience stores. If you use such a payment agency, the business will basically not incur any loss even if there is an unpaid deferred payment. Introducing convenience store payment is a significant measure to prevent non-payment and ensure payment is collected.

The benefits of convenience store payment are explained in detail in the article below.
What is convenience store payment (convenience store payment)? Explanation of the mechanism and benefits | SB Payment Service

Disadvantages of introducing convenience store payment for EC businesses

コンビニ決済にはメリットだけではなくデメリットもあります。コンビニ決済をご導入される際に留意しておきたい点も確認しておきましょう。

決済代行会社を介さない場合、契約や審査手続きが複雑

The disadvantage of introducing convenience store payment is that procedures related to contracts and screening tend to be complicated. If you want to implement convenience store payments without using a payment agency, you will need to negotiate, contract, and coordinate systems with each convenience store company individually.
Additionally, you must pass an examination by each convenience store company, and these procedures are extremely time-consuming and labor-intensive. Therefore, many businesses use payment processing companies.

払込票を紛失されたら再発行する必要がある（払込票タイプの場合）

Another disadvantage is that customers may lose their payment slips. If you are using the payment slip type where you mail the payment slip to the customer, you will need to reissue the payment slip if it is lost. Since it is costly and time-consuming, we recommend using a payment number type that can be checked immediately.

未払いのままキャンセルとなる可能性がある

Another disadvantage of convenience store payment is that there is a risk of cancellation with unpaid status. Payment deadlines are set for convenience store payments. Some customers cancel their transactions if the deadline has passed. You will need to take measures such as using a prepayment system that ships the product after payment is confirmed, or using a payment agency that guarantees that deferred payments will not be missed.

CVS Payment mechanism and system connection method

The flow of convenience store payments involves customers, merchants (EC businesses), convenience stores, as well as collection companies and payment processing companies. We will explain the payment flow for convenience store payments using a payment agency using the SB Payment Service system as an example.

CVS payment mechanisms

1. (1) Customers select CVS Payment at merchants and purchase products, etc.
2. (2)-(3) Execution of payment processing at the storage company through our company
3. (4) merchants provide payment information to customers
4. (5) Customers pay the price at convenience stores based on the payment information.
5. (6) merchants provide products to customers
6. (7)-(8) Payment from the storage company to the merchants through our company

CVS Payment fees are offset when the payment is made from the Company to the EC merchants.
The final timing of payment to the EC merchants depends on the convenience store. This is because the timing of recording sales is different due to the system of each convenience store.

There are two types of system connection methods, "Link Type" and "API type".

In order to introduce convenience store payment as a payment method on an e-commerce site, it is necessary to connect the e-commerce site and the payment agency's system.
SB Payment Service has two types of system connection methods: the "link type", which requires little development, and the "API type", which allows for flexible system connections.

"Link type" is a connection method that allows customers to go to our payment screen and process the payment when purchasing a product. Since EC businesses do not need to build a payment screen, it has the advantage of reducing development man-hours.

リンク型接続イメージ

▼リンク型接続方式については、以下のページで詳しく説明しております。

On the other hand, for the "API type", the payment processing procedure screen is prepared by the EC merchants and the payment processing is performed by communicating the necessary payment information such as the product price and the number of products to our server. Although it requires more development man-hours than the "Link Type", it has the advantage that the payment screen can be freely designed and the customer can complete the purchase procedure on the EC site.

API型接続イメージ

▼API型接続方式については、以下のページで詳しく説明しております。

Points to compare PSP

コンビニ決済をご導入されるにあたり決済代行会社を利用する場合は、各社の特徴を比較しましょう。比較するポイントには、以下のようなものがあります。

入金のタイミング

One of the important comparison points is whether there is a difference in the timing of deposits between convenience store payments and existing payment methods. The smaller the delay in the timing of deposits, the faster the deposit cycle will be, which will lead to improved operational efficiency for business operators.
On the other hand, if the timing of deposits is inconsistent, it may take a lot of time to reconcile the deposits.

決済手数料

Check the fees per transaction and compare them to see if they are the same as the payment agency you are considering. However, the payment fees remain the same for most payment processing companies, so it may be difficult to compare fees alone.

月額費用

When comparing monthly costs, be sure to also check the minimum monthly cost. However, just because the monthly fee is low doesn't necessarily mean it's a good deal. This is because if there is a large difference in the timing of deposits between convenience store payments and existing payment methods, the operational effort will increase, and no matter how low the monthly usage fee is, the labor and time costs may increase. We recommend comparing them, including the timing of deposits and settlement fees, and make a comprehensive decision.
When comparing payment processing companies, in addition to the above items, it is important to pay attention to the number of supported convenience store brands and whether they offer services that are compatible with convenience store payments. By doing so, you will be able to introduce a payment processing company that best suits your needs.

Comparison example of payment processing companies

In the example above, when comparing the payment fees and monthly costs, it appears that Company B has an advantage in implementing it. However, it is important to check that the timing of deposits is aligned with your existing payment method.
For example, if the deposit timing of your existing payment method is 50 days, if you choose Company B, there will be a 10-day delay in deposit. As a result, the timing of applying the deposit may be delayed, which can make the process more complicated. With Company A, the timing of deposits is aligned with existing payment methods, so even if the monthly fee is 500 yen higher than with Company B, the benefits are considered to be significant.
In this way, it is important to carefully check not only the costs but also the timing of deposits, and consider the practical burden when choosing a payment agency.

Strengths of SB Payment Service

Our "compatibility with major convenience stores," "payment agency service," and "NP deferred payment."three strengths in convenience store payments are We will introduce the contents of each.

"Compatible with major convenience stores"

Our convenience store payment service is compatible with major convenience stores nationwide, which is why it is chosen by many e-commerce businesses. It is compatible with 7-Eleven, Lawson, FamilyMart, Ministop, and Seicomart, and by simply applying to us, e-commerce businesses will be able to accept payments at each convenience store.

"POBO Service（Payment be half of）" for smooth refunds

When paying at a convenience store, the convenience store cannot issue a refund to the customer, and if a refund is required, the e-commerce business must issue the refund directly to the customer. Generally, the refund will be made to the customer's bank account. In this case, the EC business will incur the burden of transfer fees and transfer work. If you only deal with a few refunds, it won't be a big burden, but if you receive more than 10 refunds each month, you should think about ways to improve efficiency. We offer a payment agency service that can be used to handle such complicated refunds. We will transfer the required amount to the customer on behalf of the e-commerce business. E-commerce businesses can easily complete the transfer process by giving instructions to us.
*A separate contract is required in addition to convenience store payment.

"NP postpaid" that allows you to receive the product first

As mentioned above, convenience store payment is the second most popular payment method after credit card payment, but recently NP deferred payment, which allows you to pay at a convenience store after receiving the product, has become more popular.
Our company offers NP payment, which has been introduced in over 23,000 stores and holds an overwhelming share of the deferred payment payment service. When introducing convenience store payment, please consider ``NP deferred payment'' as well. As mentioned above, our company provides many services to support the business expansion of e-commerce businesses. If you are an e-commerce business considering implementing it, please contact us.

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FAQ

Q.

What kind of CVS Payment is there?

A.

There are generally two types of CVS payments, payment slips and payment numbers.

Q.

What are the benefits of CVS Payment?

A.

コンビニ決済のメリットとしては、「販売機会の拡大」「代金未回収や商品キャンセルのリスク軽減」「リアルタイムの入金通知」があります。

Q.

What are the costs (fees) for convenience store payments?

A.

EC事業者さまにかかる費用は、「初期費用」「月額費用」「1決済あたりの手数料」などです。初期費用は0～5万円程度、月額費用は無料～1万円程度、1決済あたりの手数料は100～600円程度のケースが多く見られます。
一方、お客さまが負担する手数料は、１回あたり0～200円程度です。ECサイト事業者さまが手数料をどの程度負担するかによって、お客さまが負担する手数料は異なります。お客さまの手数料が0円になるケースがあるのは、ECサイト事業者さまが手数料を全額負担しているからです。

その他のご不明点はFAQ よくあるご質問をご確認ください。