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An acquirer is an organization that has obtained licenses from international brands such as Visa and MasterCard to develop, vet, and manage merchants that accept credit cards and prepaid cards.
We obtained international brand licenses for Visa and MasterCard in 2011 and UnionPay in 2015, and as an acquirer, conduct comprehensive vetting for merchants and other PSPs.
Acquiring refers to developing, vetting, and managing merchants that accept credit and prepaid card payments.
Account update

Account update refers to the process of checking a credit card’s validity, such as whether or not it has expired, and updating the card information.
Our data cleanup service has been introduced by a large number of merchants that do recurring billing.
It allows merchants to always process payments using the latest card information, reducing the amount of cards declined for having expired or other issues.

Our account update service


Issuer refers to the card companies that issue credit cards and prepaid cards.
Since March 2015, we have been offering the “SoftBank Card” to SoftBank mobile phone customers, a prepaid card that can be used at Visa merchants and accumulates T-points according to the amount spent.

Prepaid card issued by us


Issuing refers to the processing of an issuer (card company) issuing cards.


Authorization is the process by which a merchants confirms with the acquirer whether a card can be used for the desired amount when accepting payment by credit card, and secures the line of credit. Sometimes abbreviated as "auth".

ISMS Certification

ISMS Certification is an abbreviation for the "Information Security Management System Compliance Assessment Program.” It refers to comprehensive information security management systems that require companies to take well-balanced countermeasures to reduce risk by running and maintaining a PDCA cycle from the perspective of confidentiality, integrity, and availability to protect information assets that should be protected from various threats.

E-commerce shopping cart package

E-commerce shopping cart packages (EC cart packages) are services that allow you to implement all the functionality needed for an e-commerce site, such as a homepage, order system, and customer management tool.
There is no need for merchants to build their e-commerce site from scratch, and in recent years many e-commerce sites have been built using e-commerce packages.
Our Online Payment Services support various e-commerce packages and have been chosen by many merchants.

Linkable e-commerce shopping cart packages

SSL communication

SSL is an abbreviation of Secure Socket Layer which refers to a technology that encrypts data sent and received when exchanging information over a network.
Communication using SSL is called SSL communication, and ensures that the content of important information exchanged over the Internet, such as personal or confidential customer data, cannot be identified even if seen by a third party. It prevents data leaks and falsification, allowing for the safe communication of data.

Server certificates required for SSL communication



Merchant refers to stores and businesses that have a contract (merchant contract) with card companies or PSPs for payment services. Also called "member stores."

Recurring billing

Recurring billing is a billing method in which payments are made regularly at fixed times.
It is used for services that require continual payment, such as monthly tuition for cram schools, newspaper subscription fees, and monthly fees for games.
With our payment services, we offer Recurring Billing (simple) that charges on a billing date specified by us, and Recurring Billing (fixed / metered) that allows merchants to specify the billing period.

PSP (PSP services)

PSPs (PSP services) contract with settlement institutions (card companies, convenience stores, mobile carriers, etc.) and introduce payment systems on a merchants’ behalf.
By using a PSP (PSP service), merchants can focus on their core operations without having to deal with individual contracts with each settlement institution or accounting processes for payments that come in at different times.


Payment refers to paying for goods and service fees. We offer a variety of payment methods that allow customers to pay by credit card or their mobile carrier credentials.

Credit cards

Credit card refers to a card that allows you to pay for a product not on the date of purchase, but on a date specified by the issuer (card company) based on the card holder’s credit.
We offer services for accepting credit card payment not only online, such as for e-commerce sites, but also at in-store like restaurants and retail stores.

Non-retention of credit card information

Non-retention of credit card information is a policy measure requested of all businesses that retain card information by the Credit Transaction Security Council.
The Credit Transaction Security Council has announced its Action Plan for the Consolidation of Security Measures for Credit Card Transactions in response to frequent issues related to credit card payment, such as counterfeit cards and fraudulent use by impersonating card holders.


Transfer of claim

Transfer of claim is a method in which a merchant or other entity (creditor) transfers the right to demand payment (credit) from a debtor (customer who purchased a product or used a service) to a third party via sale or other method.
By transferring claims, merchants can eliminate the risk of uncollected payments and expect to secure stable sales.
With the Mobile Carrier Billing service we provide, the mobile carriers purchase claims and bill customers, so merchants are able to operate their services without taking on the risk of uncollected payments due to the customer’s failure to pay.

Security code

Security code refers to the 3- or 4-digit number printed on the front or back of a credit card.
Using a security code that only the cardholder could know reduces the risk of fraudulent credit card payment.

Related payment methods

Connection methods

Connection method refers to the method by which your customers’ payment information is sent to us.
We offer two connection methods: the “Link” type, in which customers input their information directly on a payment screen provided by us, and the "API" type, in which the customer’s payment information is sent from the merchant’s system to our servers.

Connection methods

3-D Secure

3-D Secure is an identity authentication service that makes credit card payment over the internet more secure. Customers are required to enter a password pre-registered with their card company alongside their credit card number and expiration date at the time of payment in order to prevent fraudulent use.

Optional fraud prevention services



A chargeback is when a credit card company cancels a credit card sale because it has been used fraudulently due to impersonation or theft.
When a chargeback occurs, the e-commerce merchants must refund the sale to the card company.

Reduce losses due to chargebacks

One-time billing

One-time billing is a billing method in which customers pay each time they purchase a product. It can be used with all of our payment methods.

Billing methods


A transaction is a series of related processes, from credit card authorization to the processing and confirmation of sales.



PrivacyMark is a system that certifies that businesses comply with Japanese Industrial Standards JIS Q 15001: [Personal Information Protection Management System - Requirements] and have an appropriate management system for handling personal information.
These management systems are for protecting personal information held by a company that requires risk analysis at each stage of its lifecycle (acquisition, storage, use, processing, transfer, and disposal) and countermeasures for each risk.


PCI DSS is an abbreviation of "Payment Card Industry Data Security Standards." It is a global security standard in the credit industry jointly established by 5 international card brands (VISA / MasterCard / American Express / Discover / JCB) for the purpose of safely protecting card member information and purchase data.
PCI DSS and ISMS are standards that complement each other. Having an information security management system required under ISMS configured and operating is emphasized for PCI DSS-compliant operations.

Press Releases


Fintech is a word coined by combining “finance” and “technology” that refers to financial services and related business domains that utilize IT technology.

About Fintech