Streamlining payment inquiries and clearing operations

Bank transfer
(Virtual account)

This is a method of assigning a dedicated account (which only accepts transfers) to each billing (transaction) and payment.
As soon as a deposit is made into the dedicated account to be transferred, we will notify the deposit, which can reduce the administrative cost of payment verification.
Please note that this service uses SMBC 's "Perfect" deposit verification service and GMO Aozora Net Bank 's "Transfer Deposit Account". You can choose one or the other at the time of application.

Challenges like this can be overcome.
It can be solved

I want to introduce payment to my service
I want to know the most commonly used payment method
I want to make BtoB transactions cashless.
I want to promote operational efficiency through DX

Benefits of Bank transfer (Virtual Account)

Reduction of payment reconciliation administrative costs

It makes it easier to identify the transferee, improves the efficiency of payment verification paperwork, and reduces administrative costs.
Strengthen sales receivables collection management

By improving and speeding up the clearing rate, it will be easier to identify non-payment recipients and take early action.
Improved customer service

It reduces the number of payment inquiries to customers and reduces delays in the provision of products and services due to delays in payment confirmation.
Reduction of erroneous deposits ^*1

As standard functions, a check digit function and an account closure function after use are attached, and it can be expected to reduce erroneous deposits.

*1 This function is only available for GMO Aozora Net Bank use.

Bank transfer (Virtual Account) operation flow

Flow from purchase to payment to member stores

... Purchase information, payment number, payment completion notice
... deposit
... Service Provision

Purchase
payment number notification (Merchant → GMO-PG)
Transfer-only account allocation (GMO-PG → member stores)
Transfer-only account allocation (member store → end user)
payment
Deposit sales (bank → GMO-PG)
Acquisition of payment information (GMO-PG → Bank)
Payment notification (GMO-PG → member store)
Service provision (Merchant store → End user)
Deposit sales (GMO-PG → member stores)

Bank transfer (Virtual Account) service provision

You can choose from the following two service plans.

	SMBC	GMO Aozora Net Bank
Overview	A type that reuses our virtual account exclusively for member stores	A type that uses a virtual account held by a bank for all contract
Utilization	Transaction unit ^2 / Customer unit ^3	Transaction unit ^2 / Customer unit ^3
contract classification	Comprehensive contract only	Comprehensive contract only
account number	Serial number	random
Account dormant period	30 days	-
Billing (per shop)	Initial cost Fixed Costs Processing fee (charged according to the number of dedicated accounts) Fees (charged according to the deposit amount)	Initial cost Fixed Costs Account opening fee (charged according to the number of account calls) Account deposit fee (charged according to the number of account deposits) Fees (charged according to the deposit amount)
Transfer name	GMO Payment Gateway ●● (●● is designated by the member store) ^*4	(1) Shop name + (optional member store) ^*5 (2) GMO-PG+ (optional for member stores)
Check digit	None	Yes
Target member stores	It is assumed that the number of monthly transactions using the payment is 300 or more. Even if the number of transactions is small, this plan is ideal for merchants who wish to use the customer unit ^*3 or change the name of the transfer destination.	All merchants (Bank transfer customers with a large number of cases)

*2 Assign a virtual account on a transaction-by-transaction basis (a method of assigning an account number on a transaction-by-transaction basis and using it on a one-time basis)
*3 Assign a virtual account on a customer-by-customer basis (a method in which a pre-linked account number is linked to a customer-by-customer account and used continuously)
*4 Applications can be made in units of 1,000 accounts. Taking into account the account dormancy period, please apply for about 4 times the number of accounts used per month.
*5 It can be used if the necessary conditions are met. Please contact us for details.

Precautions for Bank transfer (Virtual Account)

About the burden of transfer fees

Please let us know in advance as the transfer fee to the transfer-only account will be borne by the end user (purchaser).
About the banks you can choose from

You can choose from two banks: SMBC and GMO Aozora Net Bank.
About function

The functions provided vary depending on the bank you select. Please contact us for details.