What is Payment Gateway that can be used at cross -border? Explain the payment method and the merits of introduction

In recent years, Payment Gateway, a payment service that brokers online transactions, has attracted attention.
The rapid growth of online trading due to the increase in customers who shift from actual stores to online shops may be a major factor.
This Payment Gateway plays an important role in the need for safer and easier online transactions than ever before.
This article describes the functions and mechanisms of Payment Gateway, the SHOPIFY PAYMENT and other payment services officially provided by SHOPIFY.

Payment Gateway is a payment service that mediates financial transactions through the Internet.
It can be said that it is a digital version of the POS device used in face -to -face sales.
Instead of physically inserting a card, enter card information on a website or app.
Payment Gateway is to verify the entered information, process payment, and check the transaction with both customers and businesses.
It supports not only digital wallets and credit cards, but also various payment methods.

We explain the payment services that can be used in SHOPIFY!

Please check together.

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 What payment services can be used in SHOPIFY in Japan?

Payment Gateway is compatible not only for digital wallets and credit cards, but also for various settlement methods, making it safe and efficient.
In one platform, you will be the mediator of customers, businesses, and both financial institutions.
It is common to request fees for each transaction process.

Payment Gateway has the following features for safe, accurate and efficient payments.

• Encryption function

① Customers send payment information by online payment

② Encry on transaction data by Payment Gateway

③ Protect data sent between customers, businesses, and financial institutions from theft and unauthorized access

• Connection function with settlement agency

Connect a payment flow for customers (the flow leading to payment) and the settlement agent (payment processing provider) provided by business operators

• Approval function

(1) Transferred the encrypted transaction data to the acwireer, a financial institution that pays for the business operator.

(2) Acwireer sends transaction data to a card company or related settlement agent that is used by customers

(3) Card companies or payment agents who have received data confirm the details of the transaction content, such as the effectiveness of the customer account and the payment method.

④ Card company or settlement agent decides whether to approve the transaction

⑤ Payment Gateway receives the results and sends it to the business operator again.

• Data collection and reporting function

① Collect data useful for transaction analysis and management from Payment Gateway

(2) Utilizing data such as transaction history and refund management to understand trends by businesses and improving payment operations

• Detection and prevention function for unauthorized use

Adopt the following advanced security measures, identify transactions that may cause fraud, and block before trading is processed.

① Fraud detection algorithm

② Address confirmation system (AVS)

③Card Verification Value (CVV) check

Here, the mechanism of Payment Gateway is explained in the processing order of 1 to 7 as follows.

1. Start of transactions

・ Customers select the products you want and the services you want from the business website and app

・ Proceed to the payment page and enter payment information such as digital wallet authentication information and credit card information

2. Cryptence of payment data

・ Customers send data about payment

・ Cryptence data using SSL, TLS protocol, etc.

・ Protect confidential information from theft and unauthorized access

3. Sending data to the server of the business

・ The encrypted payment data is transmitted to the server of the business operator and stored safely.

・ Transfer to Payment Gateway to handle

4. Transfer of detailed data of transactions

・ Receive transaction data encrypted from the server of the business operator

・ Transfer to business payment agency and acoustar

5. verification

・ Acwireer will transfer transaction data to a card company for which the customer uses or an appropriate settlement agent to obtain approval.

・ Card companies or settlement agents who have received data confirm the details of the transaction, such as customer account balance and the effectiveness of payment methods.

6. Transaction approval/refusal

・ Based on the confirmation result, the card company or payment agent decides whether to approve the transaction.

・ The result is transmitted to the business of the business operator again via Acwireer and Payment Gateway.

7. Transaction status transmission

・ Send the transaction status (approval/refusal) to the business website or application

・ Display messages to customers

・ If the transaction is approved, the business operator will proceed with the full -filling of the order (in general from receiving orders to payment to payment).

・ If you are rejected, you may be notified to the customer and may be prompted to try another payment method.

Payment Gateway and settlement agent are two important components of online payments in online shops.
But the function is different. The main differences are shown in the table below.

item	Settlement agent	Payment Gateway
role	・ Conduct fund approval and settlement	・ Broker between customers, businesses, and financial institutions ・ Send payment data safely ・ Promote trading approval
Main function	・ Check the effectiveness of account balance and payment method ・ Determined to "approve/do not accept transactions" ・ Make it easier to move funds between customers and business accounts	・ Cryptence of transaction data ・ Transfer the data to the aqueerer or settlement agent ・ Receive the response to approve/not ・ Notify the transaction status to the website or app
Security	・ Adopt security measures to protect transaction data ・ It is necessary to comply with "PCI DSS requirements" that safely handles card membership information and guarantees storage.	・ Unauthorized detection algorithm ・ AVS and CVV check ・ Cryptocation protocol (SSL and TLS) Protect data and prevent fraudulent transactions in such a way

Payment Gateway and payment terminals are both promoting payment processing, but supports different trading environments and trading methods.
The main differences are shown in the table below.

item	Settlement terminal	Payment Gateway
Trading environment	・ POS terminal, credit card terminal ・ Physical device used in face -to -face retail environments, such as actual stores and restaurants	・ Designed for online trading ・ Compatible with websites and apps of EC stores
Transaction method	・ Supports face -to -face transactions ・ Read cards and non -contact devices and communicate with related financial institutions ・ Print the receipt	・ Customers, businesses, and both financial institutions ・ Cryptence of transaction data ・ Promote approval and improve sales processing
Security measures	・ Card data encryption ・ Compliance with PCI DSS requirements ・ It also supports security measures for transactions using cards such as EMV chip technology	To ensure the security of online trading ・ Unauthorized detection algorithm ・ AVS and CVV check ・ Cryptocation protocol (SSL and TLS) Is adopted

"SHOPIFY PAYMENT" is an official settlement service "SHOPIFY" that allows anyone to easily build and operate EC sites.
It can be easily set and introduced from the SHOPIFY management screen. Here, as follows, we will explain from the "corresponding settlement method" to the "Shopify Payment setting procedure".

SHOPIFY PAYMENT offers a variety of payment methods as follows.

• Credit card payment

• Shop Pay

• Apple Pay

• Google Pay

Credit card payments are compatible with "VISA", "MasterCard", "JCB", and "American Express".

The SHOPIFY PAYMENT Terms of Use ban or limit the following products and services.

• Products with age restrictions such as alcohol and cigarettes

• Animal, livestock, pet formula drugs and specific animal -related products

• Bicycles with automobiles, automotive parts, and other drills

• Cannabis product

• Drugs and drug -related products

• dangerous goods

• Part of the human body

• Stamps, cash, banks, other physical currency or digital currency means

• Medical equipment and medical accessories

• Monitoring device

• ticket

• Weapons -related accessories such as ammunition, explosives, or all kinds of guns and bullet storage items such as gun cases

• Financial services or professional services

• Adult content, services or products with nude elements

We explain in detail the banned items.

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 Can't sell it at SHOPIFY? Explanation of forbidden items

The setting procedure for SHOPIFY PAYMENT is as follows.

• Click "Settlement Settings" on the Shopify setting screen

→ Click "Settings" on the management screen of SHOPIFY

→ When you open the settings, click "Payment" in the menu on the left.

• Click "Enable Shopify Payment"

• Enter store information such as address and name and click "Next"

• Click "Complete account settings"

→ Select whether it corresponds to "corporate" or "sole proprietor" at the type of business

→ Enter the required information and click "Complete account settings"

Here, we will explain the merits of introducing SHOPIFY PAYMENT.

• Easy to confirm and manage payment information

The advantage is that you can manage payment information such as orders, sales, shipments and refunds with one dashboard.
You can check the payment amount in real time.
In addition, if the payment during pending is transferred to the bank account, it is also possible to make detailed settings notified by e -mail.

• Payment fee is cheaper than other services

The fact that the payment fee is cheaper than other services is the merit of Shopify Payment. In the case of card payment, payment fees to the card company will be charged every time you settle.
However, if you make a card via Shopify Payment, you can lower the payment fee.
In addition, since there is no transaction fee, transfer fee, monthly fee, etc., it will be easy to use even for businesses who have just launched an online shop and do not have enough funds.

• It can be introduced without screening

SHOPIFY PAYMENT allows you to introduce card payment without screening. In general, the introduction of card payments requires a review to become a member store for each card company.
However, SHOPIFY PAYMENT does not require a screening, so you can save the trouble of preparing documents. Another advantage is that you can introduce payments on the day you opened an online shop.

• Payment cycle is short

The advantage of SHOPIFY PAYMENT is that the deposit cycle is short.
In the case of regular card payments, businesses do not get money on the day the customer pays.
Depending on the settlement service, it is decided that the sales amount for this month will be transferred at the end of next month, so cash flow is not easy. However, SHOPIFY PAYMENT will be transferred on Sunday as a closing date, so the deposit cycle will be short and the cash flow will be easier.

SB Payment is a payment agency service operated by SB Payment Service Co., Ltd. under the SoftBank Group. Not only online payment services such as credit card payments, which are indispensable for online shopping, etc., we also provide "store payment services" that allows you to use credit card payments, electronic money, and QR code payments in face -to -face sales. I am. Here, we will explain the payment method and introduction merits that SB Payments are supported.

SB Payment has various settlement methods. Here, we will introduce the corresponding payment method.

• Credit card payment

• Career payment

• Convenience store payment

• PayPay (online payment)

• Amazon Pay

• au Pay (net payment)

• Melpey Net payment

• Rakuten Pay (online payment)

• Apple Pay

• Google Pay

• NP post -payment

• Account transfer service

• Pay-easy payment

• Comprehensive transfer payment

• UnionPay net payment

• Alipay+

• WeChat pay

• Yahoo! Wallet

• Recruit simple payment

• Epos simple settlement

• PayPal

• Prepaid card payment

• Electronic money payment

• Net mileage settlement

• T point program (online payment)

• LINE Pay

Here, we will explain the advantages of the introduction of SB Payment.

• You can introduce multiple settlement methods at once

SB Payment is rich in payment methods.
Since SB Payment Service Co., Ltd. carries out the contract, you can introduce credit card payments, career payments, QR code payments, etc. at once, saving the trouble of contracting each institution one by one.

• The burden of system construction is reduced

With the introduction of SB Payment, there is no need to build a system and have the advantage of reducing the burden on business operators.
Since the cost of introduction is also reduced, it can be used by small businesses with non -rich funds, such as ventures and startup companies.

• Career payment and QR code payment increase the conversion rate

It is also an advantage that the conversion rate is increased by carrier payment and QR code payment.
With the increase in smartphone users, online shopping opportunities are increasing.
By introducing a carrier payment, users can shopping more smoothly without entering credit card information.
As a result, the conversion rate increases, leading to preventing basket falling and increasing the purchase rate.

• You can centrally manage sales with the management tool

If you use the management tool, you have the advantage that sales can be centrally managed.
If you subscribe to multiple payment methods individually, the closing date and payment date may fluctuate.
It is difficult to manage funds many times in a month.
Therefore, by using the SB Payment Service that can be contracted and used all together, it is possible to centrally manage the troublesome tasks such as sales management, order, and amount setting, so it is possible to slim work.

• Strict security

Because the security is strict, it has the advantage of being able to use it with confidence.
In September 2005, we acquired the "ISMS certification (information security management system)" and obtained "PCI DSS", an international standard for credit card information protection.
Furthermore, in November 2008, it has been recognized as a privacymark given company, so it can be said to be a high level.

Authorize.net is a cloud -based POS solution that supports online, face -to -face, and telephone payment management.
Here, we will explain the payment method and the merits of introducing Authorize.net.

Authorize.net has various settlement methods.
Here, we will introduce the corresponding payment method.

• Debit card

• Credit card

• Echeck

(Electronic knights with digital paper checks, or settlement methods called "Ach direct debit")

• Apple Pay

• Paypal

Here, we will explain the benefits of introducing Authorize.net.

• With the introduction of Authorize.net, you can pay and process in a way that is suitable for business, such as websites, mobile apps, and manual transactions.

• Easy to accept credit cards and support them so that you can receive payments.

If you use SHOPIFY's regular purchase app, "GO SUB" is recommended. There is a starter plan that can be started for 0 yen per month (2 % sales commission). Go Ride supports and counseling are also available, so even beginners of regular purchases will be able to use it with confidence.

Click here for inquiries and updates regarding gosub.

https://goriderep.com/blogs/news/tagged/go-sub-update

Payment Gateway, a payment service that allows you to broker online trading safely and easy, is attracting attention. As mentioned in this article, SHOPIFY official payment service "Shopify Payment", and "SB Payment" and "Authorize.net" are also one of the payment services. Many businesses may be worried about what to choose, but you need to consider carefully when choosing Payment Gateway. This is because it is necessary to understand what kind of online settlement needs and how it can evolve to open an EC site. And in response to that need, find a Payment Gateway that can enhance the customer conversion rate.