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Key payment methods

When it comes to preferred payment methods, credit and debit cards are the payment
methods of choice, with 71% of transactions. Cash and convenience store payments
(Konbini) are the second most used payment method, totaling 18% of transactions. Other
payments methods, including Direct Debit, amount to only 11% of the total number of
transactions.

Visa and MasterCard are the two most popular card schemes used by Japanese shoppers, followed
by JCB, American Express and other payment methods.

Alternative payment methods used by Japanese shoppers include:

 Bank transfers
 Cash
 Mobile Suica - mobile payment system used in Japan's biggest cities
 PayPal
 Pay-easy
 Yahoo! Easy payment - online payment service used on Yahoo! Japan
Auctions

The 3D Secure feature enables the shopper to enter a password to confirm their identity with the
card issuer. If accepted they then complete their order, and when received by you, you have much
more confidence that is genuine and real.

The 3-D Secure™ protocol was developed by Visa to improve the security of Internet
payments. The protocol is offered with the service name Verified by Visa. MasterCard has
also adapted a similar protocol called MasterCard SecureCode. Both are designed to allow
authentication of cardholders by their Issuers at participating merchants.

Studies indicate that as many as a third of cardholders are afraid to shop online due to security
concerns. Authenticated Payment may convince prospective ecommerce shoppers that it is safe to use
their card online.

Chargeback Liability Shift

If you are enabled for 3D Secure (Verified by Visa and MasterCard SecureCode)
you can be protected from certain "it wasn't me" Chargebackson credit, and some
debit, card transactions. According to Visa, over 80% of all chargebacks fall into
this 'friendly" fraud-related category. Liability for this kind of chargeback passes
from the merchant to the card issuer, even if the card issuer is not a participating
member of the scheme, or if the cardholder is not enrolled.

Benefit

For card holder - Increased card acceptance through better merchant confidence in accepting
international transactions
For merchant - Reduced risk of fraudulent transactions

https://www.webshaper.com.my/compare-malaysia-payment-gateways/

About smart phone carrier payment


Smartphone carrier payments are a popular and easy-to-use payment method,
because the purchase price for purchases made at EC shops can be combined
with mobile phone usage fees.
It is a payment service popular with young people who do not own a credit card and buyers who
are reluctant to pay with a credit card.

All contracts with carrier companies will be handled by Epsilon, so there will be no hassle.
All epsilon payments can be managed centrally from the management screen, reducing the burden
of shop operations.

In general, the payment system of the payment agent company is a charge based on individual
estimates for each customer, and no clear charge is disclosed.
On the other hand, since Epsilon discloses all charges and does not incur any initial costs, 3
carriers (docomo / au / SoftBank) can be introduced in a lump sum only for 3,000 yen (excluding
tax) per month.

Charges for smartphone carrier payment (corporate only)

Corporation

Initial cost free

Monthly fee
3,000 yen
(3 carrier sets)

Settlement fee 6.0%


 For any settlement you have contracted, it will be applied from the month in
which the first transaction takes place or the month following the service start
date, whichever comes first.
 The settlement fee will be charged for the total settlement amount for the
current month.
 Cannot be used for careers with NG examination results. Please note that
there is no change in the monthly fee.
 Only corporations can contract.
 Consumption tax will be charged separately for the monthly fee.
 You cannot use your shopping cart unless it is compatible with the payment of
each carrier. Please apply after confirming whether your shopping cart is
compatible.

Epsilon management screen

[Available functions]
・ Confirm transaction information
・ Real sales processing for smart phone carrier
payment * 1
Management ・ Cancellation of smart phone carrier payment * 2
screen ・ Issuance of sales report
and confirmation of review status

 The deadline for cancellation is 3 business days following the sales month or 6

days earlier.

Epsilon smartphone carrier payment has the following


functions.
Settlement
・ Supports total
function
call charge payment ・Supports payment with
a registered credit card or
docomo account (docomo only) for call charge payment
We
Payment of will deposit the sales amount after deducting the
sales proceeds settlement fee and the transfer fee from Epsilon to the
member stores .

Sales end of the month tighten month after next 20 days


payment ( ※ )
Deposit
※ by subtracting the epsilon service charge will carry out
payment is.

This service notifies member stores and purchasers of payment approvals by e-mail almost in real
time after payment is approved.

With this function, merchants can receive notifications at any time via smartphones / mobiles /
PCs, so products can be shipped immediately.
Payment confirmation notification emails are also delivered to buyers, leading to fewer inquiries to
member stores.

The text of the email addressed to the purchaser can be freely customized by member stores.

https://www.epsilon.jp/service/carrier.html

Image of payment of SoftBank collectively as seen from the buyer


1. Enter your personal information after clicking the purchase button on
the product page you want to purchase
2. After selecting Smartphone carrier payment, select Softbank payment

3. Confirmation of purchase details


4. Completion of payment by SoftBank

https://www.epsilon.jp/service/softbank_pay_sp.html

Mastercard payment gateway

Hosted Checkout
The Hosted Checkout model allows you to collect payment details from your payer through an
interaction hosted and displayed by the MasterCard Payment Gateway. With this model of
integration, you never see or handle payment details directly because these are collected by
the hosted payment interface and submitted directly from the payer's browser to the
MasterCard Payment Gateway.

Hosted Checkout can be implemented as:

 A Lightbox in a modal dialog over the top of your existing merchant website.
 A Hosted Payment Page is a web page hosted and displayed by the MasterCard Payment
Gateway.
Key Benefits
 Hosted Checkout is simple and quick to integrate.
 You do not need to handle or store any payment details, thereby lowering PCI compliance
costs.
 You can use the theme offered by your payment service provider to display your Hosted
Checkout interface. This allows you to leverage the brand of your payment service
provider. A strong brand reduces payer's reticence to provide payment details.
 You can customize the content of the Hosted Checkout interface to display your business
information.
 If you have subscribed to notifications, you can choose to receive those if the payment is
successful.
 Hosted Checkout is WCAG (Web Content Accessibility Guidelines) 2.0 Level AA compliant.
The payment flow for the Hosted Checkout model is illustrated below.

1. The payer initiates the payment process for goods and services at your shop site. In
response, your application submits a JavaScript request with the required data to the
MasterCard Payment Gateway to display the chosen payment interface: a Lightbox or
Hosted Payment Page.
2. The payer is presented with the payment interface. The display contents (like your
business information and order details), as well as other aspects of the payment
interface, are controlled by the data in your request.

The payer enters the required information, and clicks "Pay".


The MasterCard Payment Gateway collects and verifies the payment details and
processes the payment.

 If you are configured for the 3-D Secure Service, by default your payer will be prompted to
authenticate before performing the payment. You can choose to bypass the authentication,
see Bypass Security Features.
1. If the payment is successful, the payer can obtain the payment details from one of
these sources:
a. A MasterCard Payment Gateway-hosted receipt (in the Lightbox or on a hosted
page). This is the default behavior.
b. Your shop site.
c. Email notifications. You must subscribe to payer notifications to implement this.

If the payment is unsuccessful, Hosted Checkout displays the result, allowing the payer to
retry the transaction with different payment details.

https://ap-gateway.mastercard.com/api/documentation/integrationGuidelines/index.html

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