PSP / Credit Card Payment Services TOP > Implementation Support > FAQ / Frequently Asked Questions
FAQ / Frequently Asked Questions
Here, we introduce some of our most common questions.
For any other questions,
please contact us.
FAQ
- Q.
- How can I check sales?
- A.
- You can check it with the sales management tool provided by our company. In addition to sales confirmation, it can also be used as a sales management and business tool, as well as payment history search, aggregation, billing, payment matching management, form data creation, and so on.
- Q.
- What are the rates and initial costs?
- A.
- We provide individualized estimates based on the payment methods you wish to use, the products and services you sell, and the scale of your business. Feel free to get in touch.
- Q.
- Are there any products that cannot be handled when introducing the payment service?
- A.
- We are unable to support products that are offensive to public order and morals. In addition, some products may not be supported depending on the each payment agency’s vetting process.
- Q.
- I am a sole proprietor. Can I apply?
- A.
- It depends on the service you wish to use. For our Online Payment Services, we only accept contracts with corporate customers located in Japan. Our “Payment Terminal Service” for payment services for in-stores is available even for sole proprietors.
- Q.
- I don't have a website yet, can I still apply?
- A.
- Yes, you can. However, during vetting, you will be required to submit materials confirming the contents of your service (business) and price structure, and declare in advance your notation based on the Act on Specified Commercial Transactions.
Applications / Vetting / Contracts
- Q.
- I don't have a website yet, can I still apply?
- A.
- Yes, you can. However, during vetting, you will be required to submit materials confirming the contents of your service (business) and price structure, and declare in advance your notation based on the Act on Specified Commercial Transactions.
- Q.
- I am a sole proprietor. Can I apply?
- A.
- It depends on the service you wish to use. For our Online Payment Services, we only accept contracts with corporate customers located in Japan. Our “Payment Terminal Service” for payment services for in-stores is available even for sole proprietors.
- Q.
- I am considering transferring my service, but is it possible to change the transfer recipient?
- A.
- In principle, the service transferred from must be cancelled, and the service transferred to will require a new contract. *Online Payment ASP Merchant Agreement Article 48 (Prohibition of transfer of status)
- Q.
- Can I use online and face-to-face payments with one contract?
- A.
- Contracts are required for both online payments and in-person payments respectively.
- Q.
- I'm worried about whether my product will pass the screening. Is it possible to have it screened in advance?
- A.
- Pre-vetting through the credit card companies (VISA / MasterCard) is possible prior the main application. *Please note that the pre-vetting does not necessarily guarantee the results of the main vetting.
- Q.
- If I switch from another PSP provider, do I need to have payment methods reviewed for the one I'm already using?
- A.
- Another round of vetting is normally required. However, in the event you have direct contracts with the settlement institutions, you may be able to switch via procedures other than vetting. Please ask our sales staff for more details.
- Q.
- We operate a shopping mall. Can we use it?
- A.
- Yes, you can. We have a track record of introducing our services in this area.
- Q.
- I have a store in a shopping mall. Can I use it?
- A.
- You may be able to use our services. When considering our services, please also contact your mall’s operator in advance.
- Q.
- How long does it take from application to the start of service?
- A.
- It takes a minimum of 3 weeks to 2 months, but the service start time will vary depending on the content of the services and payment methods. For details, please see the application documents for each payment service and approximate timing of service start.
- Q.
- How do I apply?
- A.
- Please contact us from the link below. If you include information such as an overview of your services, products handled, value handled, average unit price, average payment value, desired payment methods, desired start time, etc. in your inquiry, we will be able to provide you with smooth guidance.
- Q.
- Are there any documents required when applying?
- A.
- Yes, there are. The documents will differ depending on the payment methods you apply for, so we will inform you of what is required when you apply.
- Q.
- Are there any conditions regarding the service?
- A.
- We have set certain restrictions on service content. (Services that are offensive to public order and morals, etc.) For more information, please contact us via the link below.
- Q.
- Is a contract required for each payment methods?
- A.
- No, they are not required. We will make contracts with each financial institution on your behalf, which normally need to be made individually. However, some payment methods do require a direct contract.
Payment Methods (Services)
Payment Services in General
- Q.
- What are the advantages of online bank transfers?
- A.
- Introducing online direct debit offers merchants advantages, including cost reduction, elimination of the hassle of rejections and resubmissions, and faster commencement of direct debits compared to paper-based procedures.
Furthermore, for users, the ability to apply regardless of location or time, the ease of the application process, and faster registration compared to paper applications are major advantages. In this way, online bank transfer is a system that benefits both merchants and users.
- Q.
- What is online bank transfer?
- A.
- Online bank transfer is a system that allows you to make bank transfers online. Bank transfer means that payment is automatically deducted from a pre-registered bank account on a specified date. Since users do not need to perform payment procedures each time, this system contributes to increasing service retention rates and reducing the risk of non-payment. With online bank transfer, the application process for using the service and the deduction of usage fees are completed online.
- Q.
- How to introduce online payment?
- A.
- There are two ways to introduce online payments: (1) using a PSP agency; and (2) contracting directly with the settlement institutions providing the services. Method (1) of using a PSP agency can reduce the time and effort required for initial contracts, system development, and post-implementation management.
- Q.
- Which online payment should be introduced?
- A.
- When selecting online payments, it is important to make a choice according to your customer base, products, and security systems.
- Q.
- Are there any products that cannot be handled when introducing the payment service?
- A.
- We are unable to support products that are offensive to public order and morals. In addition, some products may not be supported depending on the each payment agency’s vetting process.
- Q.
- What payment methods are available?
- A.
- We handle a variety of payment methods such as credit card payments, CVS payments, mobile carrier billing, Alipay, and electronic money settlement.
- Q.
- Are there any restrictions on sales amounts depending on payment methods?
- A.
- There are restrictions for each payment method.
- Q.
- Can I use Online Payment Service for small-value digital content sales?
- A.
- Yes, you can.
- Q.
- We operate a website specifically for smartphones, but would it be possible to optimize the screen for payment?
- A.
- Yes, you can. We offer an option to customize the payment screen based on your website.
Credit Card Payment
- Q.
- I am making a recurring payment for a membership site, but because my card has expired I am getting a payment error. Is there any solution?
- A.
- By using our Credit Card Account Update Service, you can reduce the rate of payment errors due to card expiry.
- Q.
- I am considering introducing a credit card. Please tell me what card brands I can use.
- A.
- We have comprehensive merchant agreements with over 30 card companies. You can accept the five major international brands (VISA, MasterCard, JCB, AMERICAN EXPRESS, Diners Club International) by contracting with us. We also offer "China UnionPay" which supports the Chinese card brand "UnionPay."
- Q.
- Can I use cards issued overseas?
- A.
- Yes, you can. In principle, cards issued in any country can be used, but some may not be accepted depending on your service overview and at the card companies’ discretion.
- Q.
- How will my credit card details (business name) be displayed to customers?
- A.
- The name of the store (service) applied for on your application will be shown. (Example: ○○○ Service)
- Q.
- Can I use installment or revolving payments?
- A.
- Yes, you can. We support installment payments and revolving payments as stipulated by the card companies. If you wish to provide installment or revolving payments, please inform us when applying.
- Q.
- What is the identity authentication service (3-D Secure)?
- A.
- The Identity Authentication Service (3-D Secure) is a service that verifies an individual’s identify by having them enter a password registered in advance with their card issuer in addition to their card number, expiration date, and other details during payment in order to make online credit card payments more secure.
- Q.
- What are the benefits of introducing identity authentication service (3-D Secure)?
- A.
- Introducing the Identity Authentication Service (3-D Secure) reduces the risk of lost sales due to chargebacks. Chargeback refers to card companies refusing to pay for sales in the event a credit card is misused due to theft.
However, in principle card companies do not chargeback payments that have passed identity authentication (with some exceptions and rules for each card brand), so you can expect to secure your sales.
- Q.
- What card brands are supported by the identity authentication service (3-D Secure)?
- A.
- The service can be used with 4 international brands: VISA, MasterCard, JCB, and AMEX. The name of the service differs for each brand, but is used the same way.
- Q.
- I don't want to store my customers' credit card information in my company.
- A.
- We offer system connection methods that process payments without leaving credit card information on your side. The credit card information will be held by us in strict confidence.
- 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.
- 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.
- Q.
- Are refunds possible?
- A.
- One-time billing charges can be refunded for up to 6 months, including the purchase request processing date. Refunds are not supported for recurring billing, so please contact our Merchant Support if you need to issue a refund.
CVS Payment
- Q.
- Can I make recurring payments using CVS Payment?
- A.
- Only one-time billing is supported for CVS Payments online. For payment methods that allow for recurring billing, please see the link below.
- Q.
- I would like to introduce CVS payments. Do I need contracts or system connections with each convenience store?
- A.
- You can introduce convenience store payments simply by applying through us without having to go through the procedures for each store.
*Some separate contract procedures may be required of you depending on the receiving agency used.
- Q.
- How can I check sales made through CVS payments?
- A.
- You can check sales through our Admin portal / Payment management tool. In addition, we will notify you when there has been a payment from a customer.
- Q.
- What is CVS Payment?
- A.
- They are payment services that allow you to pay at major convenience stores.
Your customers can pay by simply presenting a number at a convenience store that was displayed on screen when purchasing products on your e-commerce site.
In addition, since they are a payment method that can be used by anyone regardless of age unlike credit card payments, they are used by many merchants.
- Q.
- What are the benefits of introducing CVS Payment?
- A.
- Since payments can be confirmed in real time at the convenience stores, you can ship products post-payment. They are used by e-commerce sites for product sales in particular.
- Q.
- Can I set a payment deadline?
- A.
- You can set payment deadlines as desired. Deadlines can be set from the date following purchase up to a maximum of 59 days later.
- Q.
- What will the payment notification look like from the convenience store?
- A.
- When a customer (user) pays at a convenience store, we will notify you in near real time.
- Q.
- Is there a maximum amount per payment?
- A.
- The upper limit is 299,999 yen.
Mobile Carrier Billings
- Q.
- Does Mobile Carrier Billing support recurring charges?
- A.
- Our Mobile Carrier Billing supports recurring charges such as regular delivery/distribution, digital content distribution services, membership fees, subscription fees, and viewing fees. It can be used with all three carriers.
- Q.
- Which Mobile Carrier Billing can be used with SB Payment Service?
- A.
- We accept SoftBank Mobile Wallet, d Payment, and au PAY (au Kantan Kessai (Easy Payment)). By using our service, you can consolidate your contracts and accounting procedures for each Mobile Carrier Billing.
- Q.
- What is mobile carrier billing?
- A.
- They are payment services that allow you to pay for the price of a purchased product together with your mobile phone fees. Since there is no need to enter credit card information, customers can enjoy shopping with ease and peace of mind anytime and anywhere, even on the train or on the move, making it one of the best payment methods for smartphone users.
- Q.
- Which mobile carriers are supported?
- A.
- We support SoftBank, docomo, and au.
- Q.
- What are the benefits of introducing Mobile Carrier Billing?
- A.
- Customers can shop using just their mobile phone PIN number without the trouble of having to enter their credit card number, lowering the hurdles to purchase your products so you can expect increased sales. Also, by being listed on each carrier’s portal site for users and other media, you can anticipate an influx of new users.
- Q.
- Is it possible to implement Mobile Carrier Billing on a feature phone?
- A.
- It depends on the mobile carrier. Please contact us for more information.
- Q.
- Are there any services that cannot be implemented?
- A.
- Yes, there are.
Many of our merchants are centered around product sales and digital content, but we may not be able to provide carrier payments for other types of services. Please get in touch and we will provide an answer after asking about nature of your services.
- Q.
- Is a refund possible?
- A.
- Yes, you can. Partial refunds are also possible.
However, there are some instances in which refunds cannot be made, such as when the customer has cancelled their phone contract.
- Q.
- Is recurring billing possible?
- A.
- Yes, you can. Please note that we may not be able to provide recurring billing depending on the services you provide.
- Q.
- Can I use Mobile Carrier Billing on a SIM-free smartphone? Can I also use it on a PC or tablet?
- A.
- If the customer has a contract with a mobile carrier, they can use carrier payments even on SIM-free devices through the authentication processes at the time of purchase.
Prepaid Card Payments
- Q.
- What is Prepaid Card?
- A.
- They are a payment method that allows you to pay when using a service by entering a number printed on a prepaid card purchased at a convenience store or elsewhere.
- Q.
- What are the benefits of introducing Prepaid Card?
- A.
- They are most often used for small payments online, such as for digital content sales. Since it is a prepaid form of payment, there is no need to enter any personal information such as a credit card number and there are no age restrictions, so they are in high demand by customers.
- Q.
- What prepaid cards can I use?
- A.
- We support WebMoney, NETCASH, BitCash, and JCB PREMO.
- Q.
- Can I get a refund?
- A.
- Yes, you can issue refunds by putting in a request with us. We will issue the refund to the prepaid card ID or wallet used.
Electronic money settlement
- Q.
- What is Electronic money?
- A.
- It is a payment method using Rakuten Edy, Mobile Suica, and other types of electronic money to make payments.
- Q.
- What are the benefits of introducing Electronic money?
- A.
- With the popularization of Rakuten Edy and Suica, electronic money is growing rapidly as a means of making small payments. In addition, the increasing ownership of mobile phones and use of Osaifu-Keitai will also lead to new customer acquisition.
- Q.
- What electronic money can I use?
- A.
- We support Rakuten Edy and Mobile Suica.
Pay-Easy
- Q.
- Will the customer be charged a fee when paying with Pay-easy?
- A.
- No fees are charged. Customers are only required to pay for the product.
- Q.
- Is it possible to set a payment deadline?
- A.
- Yes, you can. You must set the payment deadline between the date following purchase and 59 days thereafter.
- Q.
- Will the customer be notified by email of the information required for payment when accepting a purchase with Pay-easy?
- A.
- Only when using our Link type connection will the customer by notified by SBPS of the payment information via email.
- Q.
- Do I need to register as a member to pay with Pay-easy?
- A.
- No, they do not. Customers can pay using only the recipient number, customer number, and confirmation number issued at the time of payment.
- Q.
- What is Pay-easy payment?
- A.
- Pay-Easy is a service provided by Japan Post Bank (formerly the post office) and financial institutions that allow you to pay for things such as for online shopping through online banking and at ATMs, which previously had to be paid for in cash at banks or convenience stores with invoices and payment slips. Unlike bank transfers, customers do not need to enter the account number they are transferring money to, and payments are completed even during nights and weekends.
- Q.
- What are the benefits of introducing Pay-easy payment?
- A.
- Pay-Easy is beginning to grow in popularity as a payment method for online banking, which is rapidly gaining users. Online banking users can complete their payments without having to go to a bank or convenience store, making it easy and hassle-free.
Invoice Payments
- Q.
- What are the disadvantages of introducing credit sales?
- A.
- The main disadvantages of introducing credit sales are the need for regular credit management and the risk of bad debts and fraudulent schemes.
To prevent such risks, it is necessary to conduct credit checks and set appropriate credit limits for each business partner. Furthermore, it is important to avoid bad debt risk by using factoring, which allows accounts receivable to be converted into cash, or by using invoice processing services that offer collection guarantees.
- Q.
- What are the advantages of introducing credit sales?
- A.
- The main advantages of introducing credit sales include reducing the workload, increasing the range of trading partners, and making it easier to handle high-value sales, which can lead to increased sales.
With pay-per-transaction sales, a seller must invoice for each product or service sold, and the buyer must process the payment each time an invoice is issued. Reducing the burden of these invoice processes and streamlining operations is a major advantage of credit sales.
Furthermore, in many cases, issuing invoices is a mandatory part of the workflow for some business partners. One advantage is that you are less likely to miss out on business opportunities with such businesses. In addition, with credit sales, high-value transactions become possible regardless of the amount of cash on hand, which provides sellers with abundant sales opportunities and can lead to increased revenue.
- Q.
- What are the disadvantages of paying by invoice?
- A.
- Invoice payments require a credit check on the buyer, necessitating adjustments from both the invoicer and the payer. Furthermore, the time lag between the transaction and payment presents disadvantages: the invoicer may face the risk of non-payment, while the payer may suffer damage to their creditworthiness due to inability to pay. To mitigate these disadvantages for the invoicer, services such as invoice payment outsourcing or Email Payment Link Service can be implemented.
- Q.
- What are the advantages of paying by invoice?
- A.
- By implementing invoice payments, the billing party can consolidate billing and collection, reducing their workload. The paying party also benefits from consolidated payments and improved cash flow, as all transactions within a certain period are paid together. Thus, invoice payments offer advantages to both the billing and paying parties.
- Q.
- Can I freely change the design of the invoice?
- A.
- Some parts can be changed while some cannot. It is possible to display your business’ logo. For more information, please contact our sales department.
- Q.
- Are settlement fees common to all three payment methods?
- A.
- The fees differ for each. For more information, please contact our sales department.
- Q.
- Is it possible to set a payment deadline?
- A.
- You can choose a payment deadline between the date following purchase and 60 days thereafter. However, you cannot set deadlines for each individual purchase.
- Q.
- Is it possible to reissue the payment slip?
- A.
- Yes, you can reissue them via the management tool we provide. However, an issuance fee will be incurred separately.
Implementation / Fees
- Q.
- I don't have a website yet, can I still apply?
- A.
- 可能です。但し、審査に際してサービス（事業）内容・価格体系の確認できる資料のご提出、特定商取引法の記載の事前申告が必要となります。
- Q.
- Are there any products you cannot handle?
- A.
- We are unable to support products that are offensive to public order and morals. In addition, some products may not be supported depending on the each payment agency’s vetting process.
- Q.
- How long will it take to implement?
- A.
- It takes about 3 weeks to 2 months from application to start of use. The period until you can start using the service may vary depending on the service content of merchants and the screening status of payment methods you apply for.
- Q.
- Please tell me the specific cost.
- A.
- We provide individual quotes based on your preferred payment methods, the products/services you handle, and your transaction volume. Please feel free to contact us.
- Q.
- What are the rates and initial costs?
- A.
- We provide individualized estimates based on the payment methods you wish to use, the products and services you sell, and the scale of your business. Feel free to get in touch.
- Q.
- Please tell me the process from application to start of use.
- A.
- (1) Submit the application form (Excel) to begin the vetting. (2) Once the vetting is completed, we will arrange a system environment specifically for you. (3) Once you connect to this system environment, it can be used in actual operation. For details, please see the “Implementation and fees” page below.
- Q.
- Is there support available until implementation?
- A.
- Yes, there are. Our staff provides various types of support according to the contents of your services. In addition to helping you introduce our services, we also provide general support for payment services including inquiries from merchants and financial institutions, usage inquiries, and research requests.
Systems
- Q.
- Can I request SB Payment Service to build an e-commerce website?
- A.
- While we do not build e-commerce sites, we can discuss your needs and introduce an affiliated e-commerce site building service. See below for details.
- Q.
- What are the system specifications?
- A.
- You can also find detailed system specifications and solution information on our technical support site, "Developer Site."
- Q.
- Are there any services that do not require system development?
- A.
- Our Email Payment Link Service (pay-as-you-go credit card payments) does not require system development.
- Q.
- Do I need any special software to implement the payment service?
- A.
- While it may depend on the service provided, special software is generally not necessary. For more information, please contact us from the link below.
- Q.
- What development environments (OS, development languages, etc.) are supported?
- A.
- We do not specify any development environments in particular. However, depending on the service provided, there may be restrictions on the specifications. For more information, please contact us from the link below.
- Q.
- When making payments online, are there any restrictions on the computer, browser, etc.?
- A.
- There are no restrictions, but we recommend Internet Explorer 6.0 or higher. There are no restrictions on the type of computer.
- Q.
- How do I integrate a payment system?
- A.
- We will provide you with the system specifications after you apply. The system specifications include explanations and sample scripts for connecting to our payment services, so you can proceed with system development efficiently.
- Q.
- Can it be linked to our internal system?
- A.
- Yes, you can. For details on connections and workflows, please contact us via the link below.
- Q.
- I am planning to set up an e-commerce website for overseas markets. Can I use your service?
- A.
- We offer Alipay, a payment method that can be used on e-commerce sites for customers in China. There are some restrictions with regard to credit card payments, so please consult with us in advance.
- Q.
- Can I use it on a rental server?
- A.
- Yes, you can. Please check with the operator of your rental server to confirm if it is possible to use our payment services.
- Q.
- Can I use a shopping cart that I am already using?
- A.
- Please check with the operator of your shopping cart to confirm if it is possible to use it with our payment services.
- Q.
- Do you provide a shopping cart?
- A.
- While we do not offer them, we can introduce you to shopping cart merchants that are already linked with our payment services.
- Q.
- Can I freely create my own payment screen?
- A.
- Yes, you can. We offer a service that allows you to freely customize the payment screen.
- Q.
- How long does it take to verify Credit Card Payment?
- A.
- We are able to achieve high-speed processing of 1 to 3 seconds (*actual values) (1/2 to 1/3 of conventional speeds). By enabling comfortable interactions with your customers, we contribute to the improvement of your business’ services.
- Q.
- Is there a payment management screen?
- A.
- Yes, there are. With the management tool we provide, you can easily handle various payment-related tasks.
- Q.
- Are there any websites that provide support for connecting to payment systems?
- A.
- Yes, we do. You can find system specifications and solution details on our "Developer Site".
- Q.
- What are the system connection methods?
- A.
- You can choose from Link type, API type, or Tool-type connections depending on your business environment and scale.
- Q.
- If I introduce a dedicated domain, can I handle the non-retention of card information?
- A.
- Yes, we support non-retainment.
Operations (including billing, deposits, and refunds)
- Q.
- Is the billing cycle only once a month?
- A.
- In principle, the deposit cycle for credit card payments is once or twice monthly, and once monthly for other payment methods. The number of deposits can be increased with some payment methods with the addition of an optional paid service.
- Q.
- Are there any documents or information that need to be submitted for implementation?
- A.
- You will need to submit an Excel-based application form that we have prepared (including company information, service information, account for deposit, contact information, etc.). In addition, depending on the payment methods, you may be required to submit a register book.
- Q.
- I am running a store. Can I pay monthly by credit card?
- A.
- This can be done by applying for a in-store credit card payment terminal and our Online Payment Services. Please contact our sales staff for details.
- Q.
- Can I continue to pay membership fees monthly?
- A.
- Yes, you can. We offer a billing method called recurring billing (simplified). By using this, we will process the payments continuously on your behalf. It can be used with credit card payments, mobile carrier billings, and other payment methods.
- Q.
- Is it possible to make periodic payments of different amounts? I would like to make a campaign, etc., where the first month is half price, 2,500 yen, and thereafter the payment is 5,000 yen on an ongoing basis.
- A.
- Yes, you can. We offer a billing method called Recurring billing (fixed term/pay-as-you-go), which allows you to determine the amounts and payment schedule. It can be used with credit card payments, mobile carrier billings, and other payment methods.
- Q.
- Please tell me the closing date and the date of payment of sales.
- A.
- In general, close is at the end of each month and payment is made at the end of the following month. For other requests, please contact us.
- Q.
- How can I check sales?
- A.
- You can use our sales management tool. It can be used not only to confirm sales, but as a business and sales management tool for searching payment histories, aggregation, billing, payment reconciliation management, creating ledgers.
- Q.
- Can cancellations and returns be processed online?
- A.
- You can process these with the management tool we provide. However, please note that refunds cannot be processed for CVS and Pay-Easy payments.
Other (partners, security, etc.)
- Q.
- Do you have a fraud prevention solution?
- A.
- Both free and paid options are available. See below for details.
- Q.
- Can I pay for the partnership contract either online or via terminal?
- A.
- Yes, you can. There a number of partnership systems that we can introduce, so please contact our partner support desk. Please note that you may be asked about possible clients and other matters prior to contract.
If you are considering introducing payment,
Please feel free to contact us
Please contact us to download detailed information about our services and to discuss costs and implementation.
