Content of this pageWhat is General wire transfer (bank-to-bank wire transfer) payment
General wire transfer (bank-to-bank wire transfer) payment is a Payment service that allows you to pay for Item and other items at convenience stores (hereinafter referred to as convenience stores), post offices, and banks using Payment slip and other methods.
*Collection is handled by Sumitomo Mitsui Card Co., Ltd., and invoice printing and delivery is handled by our designated printing company.
The following methods of payment are available for end users:
《Convenience store payment》
Payment at a convenience store using the payment slip on the standard invoice issued by our company
Postal payment
Payment can be made at a Japan Post Bank counter or ATM using the payment slip on the standard invoice issued by our company.
Bank transfer
Payment method by transferring funds to the bank account provided and disclosed by our company
*The contract account will be a Mizuho Bank account under contract with our company.
The Company will notify the End User of the information necessary for payment using the following notification methods.
<Notice by Mail>
Mailing a standard invoice
Online Notifications
A method of displaying and notifying necessary payment information on a web screen
* In the case of Link Type, you will also be notified by e-mail.
The available notification methods for each payment method are as follows:
| Payment method | Available payment methods | |
|---|---|---|
| Notification by mail | Online Notification Method | |
| Convenience store payment | ○ | × |
| Postal transfer | ○ | × |
| Bank transfer | ○ | ○ |
In addition, you can choose the type of standard invoice from the following plans when applying.
| Payment method | Types of standard invoices | ||
|---|---|---|---|
| Plan A | Plan B | Plan C | |
| Convenience store payment | ○ | ○ | ○ |
| Postal transfer | × | ○ | ○ |
| Bank transfer | × | × | ○ |
Service Diagram
Main Features
- We provide a common standard invoice that can be paid at convenience stores, post offices, and banks.
- In the case of bank transfer, you can use the online notification method, which will notify you of payment information such as the transfer account on screen, or on screen and by email, without issuing a standard invoice.
- SBPS reconciles the accounts receivable for deposits on behalf of Merchants, reducing the burden of customer deposits on Merchants.
Usage Information For End Users
For end-user usage information, please refer to the FAQ (Payment /System Specifications > General wire transfer (bank-to-bank wire transfer) payment).
Service Specifications
Basic Specifications
The available billing systems and billing system-specific basic specifications are as follows.
Billing Methods
| One-time charge | ○ |
|---|---|
| Recurring charge (simple) | × |
| Recurring charge (based on term or usage rate) | × |
Basic Specifications
| Billing method | Field | Specifications | |
|---|---|---|---|
| One-time charge | Close authorization settlement | Automated sales | ○ |
| Specified sales | × | ||
| Period for settlement | Settlement is not necessary because the auto close authorization settlement is performed. | ||
| Period for cancellation | There is no cancellation function because it is auto close authorization settlement. | ||
| Period for refund | Not refundable. * If refund is necessary, the Merchant shall handle it. | ||
| Due date of payment | Can be set between the day after billing is completed and 60 days *For postal payments and bank transfers, Credit may be accepted even after the payment deadline has passed. | ||
Supported devices
The available devices are as follows.
| Device | Availability | Remarks |
|---|---|---|
| PC | ○ | – |
| Smartphone | ○ | – |
| Mobile | ○ | – |
List of Provided Functions
The following functions are provided. As for the payment administration tool, only the main functions are listed. For details, see the Payment Administration Tool Manual.
| Billing system/Close authorization settlement | Provided functions | Link Type | API Type | Payment management tool |
|---|---|---|---|---|
| One-time billing/Auto close authorization settlement | Purchase | ○ | ○ | – |
| Payment result reference | – | ○ | – | |
| Deposit notification | ○ | ○ | – | |
| Deposit receipt re-notification | – | – | ○ | |
| Overdue payment cancellation re-notification | – | – | ○ | |
| Invoice suspension | – | – | ○ | |
| Invoice reissue | – | – | ○ |
General wire transfer (bank-to-bank wire transfer) payment offers functions and options related to Credit. Please check the following for details on each function and option.
<<Deposit notification function>>
This function notifies merchant of Credit information that we obtain from the collection company. The timing of notification varies depending on the payment method.
* After the Merchant is notified about a deposit receipt, it may be canceled in some cases. In such cases, a deposit cancel report is immediately sent by system notification and a deposit cancel confirmed report is sent by e-mail.
- Timing of notification of deposit notification service
| Notification Type | Convenience store payment | Postal transfer | Bank transfer |
|---|---|---|---|
| Prompt report | the next working day | No breaking Prompt report | No breaking Prompt report |
| Confirmed report | Next business day to 7 business days | Next business day to 7 business days | Next business day to 7 business days |
<<Deposit receipt notification retry service>>
If an error occurs in a deposit receipt notification, this option sends the deposit receipt notification again at certain intervals. This option is helpful when deposit receipt notifications cannot be received for some reasons such as a system maintenance at the Merchant.
The available re-notification timing and number of retries are shown below. Note that the retry is finished when the Merchant returns the response OK. If all the re-notifications end up in error, the Merchant support will report the failure of all the re-notifications on the next business day.
* If SBPS fails to receive the response from a Merchant, another deposit receipt notification may be sent again after the deposit receipt notification. We request Merchants to build a mechanism to avoid providing the service twice. In addition, we request Merchants to return "OK" if the deposit receipt notification is already received.
| Pattern | Timing of notification | Number of notifications |
|---|---|---|
| 10 minutes | At intervals of 10 minutes | Six notifications |
| 1 hour | At intervals of 1 hour | Six notifications |
| 1 day | At intervals of 1 day | One notification |
Payment Status Transition
By implementing each of the functions provided, the status of the Payment will Transition as follows. For details on how to implement each function, refer to the Link Type IF specification, the API type IF specification, and the SBPS Admin portal / Payment management tool Function Manual.
<<One-time billing/Auto close authorization settlement >>
| Provided functions | Link Type Process name/Function ID | API Type Process name/Function ID | Payment management tool Screen name/Button name |
|---|---|---|---|
| Purchase | Purchase Request A01-1 | Payment request ST01-00101-702 | – |
| Payment result reference | – | Result reference MG01-00101-702 | – |
| Deposit notification | Purchase Result CGI A02-1 | Deposit notification NT01-00103-702 | – |
| Deposit receipt re-notification | – | – | Billing Information Screen Deposit information field "Re-notification" |
| Overdue payment cancellation re-notification | – | – | Billing Information Screen Cancel notification field "Re-notification" |
| Invoice suspension | – | – | Billing Information Screen Invoice History "No issue required" |
| Invoice reissue | – | – | Billing Information Screen Invoice History "Reissue invoice" |
Cautions
Change of bank transfer contract account
Please note that the contract account will be a fixed account with Mizuho Bank designated by our company, and other accounts cannot be used.
About the number of characters displayed
Please check the number of characters displayed in each address information in "Link Type Purchase request" and "API type General wire transfer (bank-to-bank wire transfer) payment IF Specifications". Please note that if the number of characters is exceeded, it will be an error.
Regarding consumption tax
If the tax amount is not specified, the consumption tax amount will be calculated from the representative amount, rounded down, and displayed on the paper invoice. Please note that we do not support other calculation methods.
Revenue stamp fee
When paying by standard invoice, a stamp duty will be charged separately for amounts over 50,000 yen (excluding tax).
Payment deadline setting
For postal payments and bank transfers, Credit may be received even after the payment deadline has passed.
About excess and deficiency
- Bank transfer
Bank transfer can also transfer any amount, so the Credit may not be made as billed. In that case, you can check the excess or deficiency with the Admin portal / Payment management tool provided by us.
* merchant is responsible for determining whether or not to provide services or ship items due to any excess or shortfall that occurs. - Postal transfer
It is also possible to transfer with the "Payment slip" attached to the counter instead of the Payment slip of the standard invoice, so the Credit may not be made as billed. In that case, you can check the excess or deficiency with the Admin portal / Payment management tool provided by us.
* merchant is responsible for determining whether or not to provide services or ship items due to any excess or shortfall that occurs.
About email delivery
Emails sent from the mail server provided by our company that "spoof" merchant may be blocked by various security measures (security software, settings, etc.). For this reason, it is assumed that emails will be sent using the mail server of merchant domain. Please be aware of this.
Specifications
Please note that if General wire transfer (bank-to-bank wire transfer) payment institutions or other parties make changes to the specifications or economic terms of General wire transfer (bank-to-bank wire transfer) payment provided by our company, the specifications may also change.
Service Suspension Due to Maintenance, etc.
Maintenance of the Online Payment ASP Service is performed on an irregular basis. Any service suspension due to maintenance will be notified in advance. As a rule, such a notification is made 1 week before the suspension. However, this may not be the case in the event of emergency maintenance.
In addition, if a service outage occurs due to system maintenance or a malfunction of a financial institution that handles General wire transfer (bank-to-bank wire transfer) payment other than our system, we will notify merchant as soon as we become aware of the situation and investigate the cause. We will notify merchant as soon as we have identified the cause, but please note that if the cause is not attributable to our company, it may take some time to identify the cause.
Regarding invoice system
Please note that we do not support qualified invoices for invoices issued via General wire transfer (bank-to-bank wire transfer) payment.
Supplementary Information
No supplementary information available.
