About Cross-border Pack

About Cross-border Pack

Types of Payments Handled

Payments are roughly categorized into two types: "face-to-face payment" and "non-face-to-face payment." The Cross-border Pack provides a payment agency service for "non-face-to-face payment."

Service Overview

The Cross-border Pack service provides all the contracts, systems, and tasks necessary for introducing the online payment function into a Merchant website. For details, refer to each service specifications.

Outline of Cross-border Pack service

Payment Process

After the Cross-border Pack is introduced, SBPS acts as a broker between the Merchant and financial institutions to carry out processes regarding payments and transfers on behalf of the Merchant.

1. An end user purchases an item through the Merchant website.
2. The Merchant requests SBPS to carry out the payment processing, and then waits for SBPS to return the payment result.
3. SBPS (CT Co., Ltd.) requests the financial institution server to carry out the payment processing, receives the payment result, and then returns it to the Merchant.
4. The Merchant delivers the item to the end user.
5. The financial institution transfers the use fee to SBPS.
6. SBPS transfers the usage fee to the Merchant.

* Note that the financial institution bills the end user and the end user pays to the financial institution at the timing stipulated in the financial institution's terms and conditions for end users.

Available Payment Method

Available payment methods are as follows. For the outline of the payment method, refer to the service specifications of the payment method.

Payment method category	Payment method
Cross-Border Pack	WeChat Pay

system connection method

The system connection methods are as follow.

system connection method	Description
Web Type (PC Payment)	A method that displays a QR code for each payment method on the Merchant's EC website to let end users scan the QR code displayed on a computer with the payment app to carry out the process.
Web Type (Smartphone Payment)	A method that enables end users to use the payment app installed in a smartphone on the Merchant's EC website to carry out the process.
InAPP type	A method that obtains payment information through the Merchant's native app to carry out the process through the inter-server link.
Mini App Type	A method that obtains payment information through the Merchant's mini app built on a payment app used by the user.

Web Type (Computer Payment / Smartphone Payment)

<<Features>>

• Implement the interface provided by SBPS (CT Co., Ltd.) to carry out the payment process on the Merchant website.
• Because the screen does not move from the Merchant's EC website to another, it is expected that the cart abandonment can be prevented.

<<Usage Overview (computer payment)>>

<<Usage Overview (smartphone payment)>>

InAPP type

<<Features>>

• Because the Merchant's native app carries out the payment process, the Merchant side can flexibly build the desired transition, etc.
  * As for WeChat Pay, WeChat Pay SDK needs to be implemented in the native app.

<<Usage Overview>>

MiniApp Type

<<Features>>

• Payments can be made through the mini app in a payment app used by end users.

<<Usage Overview>>

Payment management tool

The Cross-border Pack provides payment administration tools that enable users to easily summarize sales and carry out the refund process after the introduction. For how to use the payment administration tools, refer to the manual provided separately.

Major Functions

Major functions are as follows:

• Payment history search
• Processes after payments such as a refund

Screen Image

Provided functions

The Cross-Border Pack provided functions are as follows: Since available functions vary with the payment method, see Service Specifications for each payment method.
* Note: Functions of the payment administration tool are not shown here. Refer to the Payment Administration Tool Manual.

Provided function name	Description
Payment request	A function for making the payment of the purchased item.
Payment History Search	A function for checking the payment status.
Refund request	A function for making a full refund of a transaction after settlement.
Refund History Search	A function for checking the refund status.
Payment Cancellation	A function to be executed after a timeout for solving a mismatch in the payment status.
Customs Clearance Request	A function for carrying out the customs clearance process.
Customs Clearance History Search	A function for checking the status of the customs clearance process.
Customs Clearance Re-request	A function for requesting the customs clearance again.

Cross-Border Pack Environment

The Cross-Border Pack provides a special test environment and a production environment. Use the test environment for introduction and modification, and when releasing, switch to the connection target for the production environment and use it. However, note that the test environment may be out of service without prior notification due to SBPS's circumstances such as a maintenance.
* After you make an application and vetting is complete, we will provide the special test environment and production environment.

Usage Overview

System Requirements (payment administration tool)

The system requirements for the payment administration tool of the Cross-border Pack are as follows. Note that the actual uses do not assure of all functionalities, so we request Merchants check them as necessary.

Browsers supported by payment administration tool	Browsers that support JavaScript and cookies <<Actual uses>> Google Chrome (Ver 66 and later) Firefox (Ver 52.8.0 and later) Safari (Ver 11 and later)
Supported OS	No restrictions
Network	Internet connection: Req'd

Service Specifications

The general workflow for starting the use of the Cross-border Pack is as follows.

Settlement Rules

Types of Fees

Fee items related to settlement are as follows.

Field	Description	Remarks
Initial fee	The cost of various procedures, including environment-related setup. This fee is incurred the month that service begins.
Fixed monthly fee	The fixed monthly operating cost. This fee is incurred every month from the month that service begins.	A calculation on a daily prorated basis is not conducted.
Payment fee	A fee for the payment processing of the purchase money of an item or service.
Payment service use fee	A fee for the use of the Cross-border Pack.
Transaction fee	A fee for the system processing.

* Other fees may be charged in addition to the fees shown above. For details, check upon application.

Settlements

Using the date of settlement as the calculation base, the settlement processing results and amounts of money from the first day to the end day are summed, and the receipt statement is sent by the 10th business day of the month of settlement (or by 21st of the next month depending on the used payment method). The proceeds from sales are transferred to the specified bank account at the end of the next month of the month of settlement (the end of the month in which the receipt statement is sent).

Example Settlement Flows

Notes

Field	Description
Settlement cycle	The first month of settlement is the month that includes either desired date of service start or date on which SBPS notifies about the credentials for the production environment, whichever is later. If the bank is closed on the date of the transfer of the proceeds from sales, they are transferred on the previous business day.
Billing method	Fees are deducted from the sales amount of the Merchant, and then SBPS transfers the remaining amount. If the fees cannot be deducted from the sales amount of the Merchant, a bill is sent in the next month of settlement. Pay the bill to SBPS by the end of the next month. If the Merchant conducts a refund processing, the amount of refund processing and the fee are deducted from the billing amount.
Check of transfer information	The receipt statement that shows the amount of transfer is sent by e-mail.
Receipt statement	The receipt statement is sent to the e-mail address specified upon the application. When multiple payment methods are used, all payment methods are summarized in one collection statement by service ID (SID) and sent by email.
Other	The settlement rules are different if the early/multiple-time transfer option is used. Check upon application.

Receipt statement image

Shown item	Description
(1) Total amount of settlement and date of transfer	The amount transferred to the specified account, and the date of transfer. * (5) The total of settlement amounts of all the fee items.
(2) Fee item	Fee items for the introduced payment methods and options (including the installation fees).
(3) Amounts of payment processing	The number and amount of settlements of each fee item, number and amount of refunds, and total number and amount.
(4) Fees	The settlements for charging a fee for each fee item and number of them, unit price of fee, and the total amount of fees including the consumption tax.
(5) Settlement amount	Settlement amount of each fee item. (A bill is sent when the amount is negative.) * (3) Total amounts of payment processing － (4) total amounts of fees
(6) Summing period and service name	The target payment processing period and service name of the receipt statement. * A receipt statement showing the summing period and service name is sent for each service ID (SID).
(7) Query number	A query number to be used for inquiring of SBPS.

Which page should I check?

Information intended to help each Merchant staff understand the Cross-border Pack is posted.

Target Readers

Operation staff
Intended for the staff who operates the Merchant website, checks payments, and accesses the payment administration tool.

System staff
Intended for the staff who develops, operates, modifies, and constructs the Merchant website.

Description pages for target readers

Category	Target Readers		Description
	Operation staff	System staff
Please Read First	○	○	Pages to check when the introduction of the Cross-border Pack is considered.
Service Overview	○	○	Pages that describe the details of the service for the payment method to be introduced.
API Type Cross-Border Pack Interface Specifications	―	〇	The system specifications that provide information for connecting to the interface.
Management Tool Manual	〇	―	A page that explains the payment administration tool for checking the payment transaction status.

Definitions of Terms

The definitions of terms used in the documents of the Cross-border Pack are as follows.

Term	Synonyms	Definition
SBPS	SB Payment Service Corp., SBPS	A payment agent company who contracts with Merchants It handles the contracts and collections for payment methods.
CT Co., Ltd.	ColossalTech Co., Ltd. CT	A company operating gateways for connecting Merchants. A support desk handling queries about payments.
Merchant	You, company	A company who contracted with SBPS for the Cross-border Pack.
End user	End user, user, customer	The user of the Merchant's service.
Financial institution	Financial Institution	A company who provides payment services through the Cross-border Pack of SBPS.
Device	Terminal	A device to access websites.
Payment	Settlement, payment	Interchange of money between a Merchant and an end user through a trade transaction.
Payment method	Payment method	A method for paying the purchase money of an item or service.
Payment status	–	The transaction status of a payment.
Payment processing	–	Transmission and acceptance of payment information conducted by a system.
Billing processing	–	To bill for the purchase money of an item or service.
Chargeback	–	To cancel a settlement of a use fee (this is conducted by a financial institution) if the end user does not agree to the payment of the use fee for some reason such as unauthorized use.
Regulation	–	Usage regulations stipulated by a financial institution intending for Merchants.
Acceptance mark	–	A mark that indicates that a payment method is available.
API	–	Stands for Application Programming Interface. A set of commands, rules, functions, etc., that can be used for programming.
Interface	IF, interface	Stands for Interface. A device or software to connect different systems to each other.
SSL communication	–	Stands for Secure Sockets Layer. A technology to encrypt information sent and received via the Internet.
Native app	Merchant app	An app prepared by a service provider.
InAPP	–	One of the connection methods of the Cross-Border Pack. A method that obtains payment information through the Merchant's native app to carry out the process through the inter-server link.
SDK	Software development kit	Provides the interface for native apps to exchange communications of payments.
Mini app	Mini program	Various service apps included in a payment app. A function that can be used on the payment app seamlessly.
Web Type (PC payment)	MPM	A method that displays a QR code for each payment method on the Merchant's EC website to let end users scan the QR code displayed on a computer with the payment app to carry out the process.
Web Type (Smartphone Payment)	H5 payment	A method that lets end users use the payment app installed on a smartphone on the Merchant's EC website to carry out the process.