This article discusses important points when comparing and selecting a payment service provider.
When comparing payment service providers, it is important to take a long-term perspective. Specifically, instead of focusing only on your desired payment method at the current time, you should also consider payment methods which you might implement in the future. Example: Currently, my business only operates a desktop website. However, in the future, we also want to operate a mobile website.
Choosing a payment service which supports the carrier payment method which is selected by many consumers as a mobile payment method will enable you to expand your payment system without incurring losses or missing the right timing. If there is a delay in the payment receipt cycle, there may be a significant effect on supply and cash management. Therefore, it is important to thoroughly confirm payment.
We also recommend selecting a payment service which enables “all management at a single management screen.” One example is the PG Multi-Payment Service offered by our company. It is extremely troublesome if it is necessary to log into a different system for each payment method, or if it is not possible to perform payment processing (changes, cancellation, etc.) at a single management screen.
These functions will significantly increase administrative efficiency. We recommend making a detailed assessment of payment management functions required by your business, and then comparing the functions offered by each payment service provider.
Another important element of E-commerce website operation is the extent to which operating costs can be reduced. Costs such as the following may be incurred when using a payment service.
Other points for comparison include the sold merchandise, security measures, etc. Although many businesses are prone to focusing on costs first, it is important to select a payment service provider which supports the connection method and service installation period.
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カテゴリー | 商品・サービス例 |
---|---|
違法商材、犯罪誘発物 | ワシントン条約指定品(象牙、パイソン、オーストリッチ、クロコダイル等)、犯罪を誘発する物(催涙スプレー、モデルガン、スタンガン、銃、刀類、手錠、盗聴・盗撮用品等)、業法違反・無免許販売に該当する商品・サービス |
知的財産権侵害商材 | 違法コピー商品、海賊版、違法コピー商品を助長させる機器または関連商品 |
ファイル共有サービス | ファイル共有用ソフト・サービス |
偽ブランド | 偽ブランド品 |
アダルト商材 | ポルノ、ブルセラショップ、アダルトコンテンツ |
風俗、出会い系 | 性風俗、出会い系サイト、結婚情報サイト |
違法医薬品、麻薬 | 薬事法・健康増進法・麻薬取締法に抵触する薬品 |
タバコ、電子タバコ | タバコ、電子タバコ |
金券類、現金化、銀行口座、RMT、有価証券 | 商品券、プリペイドカード、印紙、切手、回数券、ディスカウント航空券、現金化、RMT(リアルマネートレード)、株式、有価証券 |
カジノ、ギャンブル | 違法なオンラインカジノ、賭博、海外宝くじ、ペニーオークション |
財テク、情報商材 | 財テク情報、馬券予想、情報商材 |
霊感商法、占い | パワーストーン、お守り、効果を強調する印鑑、占い |
無限連鎖講、マルチ商法 | 無限連鎖講、マルチ商法 |
スパム | スパム、フィッシングサイト |
誇大広告、景表法違反 | 誇大広告、景表法違反 |
カード手数料徴求 | クレジットカード支払いの決済手数料を別途徴収するもの |