Credit Card Payment

Credit Card Payment

An essential payment solution for your E-commerce website

GMO Payment Gateway (“GMO-PG”) delivers a highly efficient and safe credit card payment solution.
We provide you with all kinds of support from consultations on building your E-commerce website/online store to the introduction of the payment solution.
Having partnerships with more than 70 companies, we offer the best solutions responding to your needs.
We support five major credit card brands (Visa, MasterCard, JCB, AMEX, Diners) as well as credit cards issued by Japanese credit card companies.

Five reasons to choose our Credit Card Payment:

  • 1. We conduct all time-consuming complicated procedures with each credit card company for you.
  • 2. You receive all necessary support that is very useful for your business management.
  • 3. You are able to collect your sales proceeds earlier.
  • 4. You can introduce stable and reliable Top class payment services as SaaS.
  • 5. You are able to manage E-commerce in the secure environment that is fully compliant with international standards.

We offer three plans of card payments for various business purposes:

Please feel free to contact us. Our sales representative will provide you with all necessary information.

Entry Plan Standard Plan Advanced Plan
High functional, but recommended for first time users. Enables to increase the number of repeat customers by using the card number registration function. Ensures stable sales by using the recurring payment function.
Best suited for the following business areas: Best suited for the following business areas: Best suited for the following business areas:
  • ・Online sales of goods
  • ・Orders via smartphone
  • ・Catalogue mail-orders
  • ・Digital content sales
  • ・Online sales of goods
  • ・Orders via smartphone
  • ・Catalogue mail orders
  • ・Digital content sales
  • ・Insurance sales
  • ・Subscription commerce
  • ・Service providers
  • ・Cable television

Entry Plan

High functional, but recommended for first time users.

Best suited for the following business areas:

  • ・Online sales of goods
  • ・Orders via smartphone
  • ・Catalogue mail-orders
  • ・Digital content sales

Standard Plan

Enables to increase the number of repeat customers by using the card number registration function.

Best suited for the following business areas:

  • ・Online sales of goods
  • ・Orders via smartphone
  • ・Catalogue mail orders
  • ・Digital content sales

Advanced Plan

Ensures stable sales by using the recurring payment function.

Best suited for the following business areas:

  • ・Insurance sales
  • ・Subscription commerce
  • ・Service providers
  • ・Cable television

About payment plans

Use cases

Entry Plan : One-time payments

In this case, your customers need to type credit card details every time they make a purchase.

1-1. Examples of using credit card payment in goods sales.

Exercising a close control over goods status, you can avoid the incidents and troubles when your customers receive a credit card billing, though ordered goods have not been delivered.

One-time payment + Authorization / Sales capture

  • ・It is possible to change and control goods status: at the time of ordering - “Temporally Sales” status, after sending the goods - “Actual Sales” status.
  • ・It is easy to process “Void” or “Return” in case the purchase was cancelled.

1-2. Examples of using credit card payment in digital content sales

Credit card payment is available when your customers buy digital contents online, such as music and game apps. You can immediately start offering services to your customers.

One-time payment + Instant sales capture

  • ・The status at the time of ordering is already “Sales”.
  • ・Easy way to process “Void” or “Return” in case the purchase was cancelled.

Standard Plan:  ID payments

The card registration function reduces the time on typing credit card information every time of purchases. It is a perfect way to enhance sales by increasing the number of repeat customers.

2-1. Examples of using credit card payment in goods sales

This service reduces your customers time on typing personal information, including the name and credit card information, thereby minimizes the risk of shopping cart abandonment, and hence it helps to optimize the customer retention rate.

ID payment + Authorization / Sales capture

  • ・At the time of the first order or the registration, validation check of the credit card is conducted. If the result is approved, we store a set of member ID, which is sent to us online simultaneously, and card information in our database.
  • ・It is possible to control the status of goods: at the time of ordering - “Temporally Sales” status, and after sending the goods - “Actual Sales” status. This function helps to avoid time-consuming troubles of undelivered goods, as mentioned in “one-time payment” plan.

2-2. Examples of using credit card payment in digital content sales

ID payment is best suited for frequent purchases of digital content, such as game apps. It allows to reduce the time on typing credit card information.Merchants can immediately start offering services to customers.

ID payment + Instant sales capture

  • ・At the time of the first order or the registration, validation check of the credit card is conducted. If the result is approved, we store a set of member ID, which is sent to us online simultaneously, and credit card information in our database.
  • ・The status of “Sales” is confirmed at the time of the order.

Advanced Plan: Recurring payments

Advanced plan is best suited for subscription businesses. It optimizes the certainty of charges and operational efficiency. This helps you to check the possibility of a payment collection and to eliminate the check of the credit limit if the amount is within the floor-limit.

Examples of using credit card payment in subscription businesses, such as provider services, insurance sales and subscription commerce.

This service reduces your customers’ time on typing personal information, including the name and credit card information, thereby minimizes the risk of shopping cart abandonment, and hence it helps to optimize the customer retention rate.

Recurring payment + Account Update

  • ・At the time of the first order or the registration, validation check of the credit card is conducted. If the result is approved, we store a set of member ID, which is sent to us online simultaneously, and credit card number in our database.
  • ・The processing of “Account Update” and “Sales” is conducted on a monthly basis.

Security Environment

Regarding security aspect, we deliver a safe and secure payment processing environment from the beginning to the end of each transaction.
We also provide solutions for the requirement of “Action Plan for the Strengthening of Measures for Security in Credit Card Transactions”.

Overview of service operation

“PG Multi-Payment Platform” is a comprehensive payment service that gathered various payment solutions as the industries’ most advanced “SaaS”, which is easily introduced and highly efficient.

The process of service introduction is very smooth, as we facilitate all steps from the beginning of platform introduction to the full-scale service operations.

Credit card companies available for the service

You can make credit card payments more convenient with recommended functions by choosing from standard installation to an optional one according to your business needs

  • Available for Representative Contact with merchantsAvailable for Representative Contact with merchants
  • Available for Account Update ServiceAvailable for Account Update Service
  • Visa/Master acquirerVisa/Master acquirer
  • Visa acquirerVisa acquirer
  • Master acquirerMaster acquirer

Services that are available by only contracting with us

In case of a direct contract with credit card companies, you have to sign as many contracts as many credit card companies you want to introduce.
However, with our “Representative Contract with merchants”, you can sign the contract with multiple credit card companies by only signing a single contract with us, and can effectively control your sales.

We recommend this type of contract, if you just opened your online store, or if you want to effectively exercise control over credit card payment information.

  • ●Advantages
  • ・Use various card brands over a single contract.
  • ・Deposit dates and processing fees are unified, cash flow is easily managed.
  • ・Early Payment Service is available.

Representative Contract with merchants

Representative Contract with merchants

GMO-PG submits a merchant
application to the acquirer.

Notes

1.About merchant screening

Credit Card Payment is a representative contract service for mail-order businesses.
There can be cases when you cannot use our services or cannot use the whole spectrum of services because of your product or by results of the screening conducted by credit card companies/collection agencies.

*Please contact us for more information.

2.About payment features of the Credit Card Payment solution

“Monthly clearing” payments are available for this service.
We can provide “Revolving payment” or “Installment (more than three times)payment”upon your request.

*Please be informed that above payment features cannot be provided in some cases that depends on your product. If you request to have our Representative Contract along with your existing direct contract with the acquirer, we will provide you with all the payment features available under the provisions of the Representative Contract.

3.About deposit

Please be informed that you are required to pay the transfer fee for the deposit of your sales proceeds.
In case the cancellation amount of sales proceeds is lager that the sales amount, you have to pay this difference to us.

4.About credit card fraud incidents

You can be provided with such services as “Sales refund” and “Chargeback” in case fraud incidents by a third party take place, and credit card companies confirm the incident of a fraudulent transaction. Regarding fraud prevention measures, we recommend 3D Secure, which helps to prevent spoofing and minimizes the risk of unauthorized uses.

*3D secure is available for VISA/MASTER/JCB cards.

Procedure until service implementation

1. Contact/request for materials

Please contact us using the request form or by phone. We will send you free materials about payment services best suitable for your business. According to your request, our sales representative will contact you as soon as possible.

Note that it takes from three weeks to two months to start the operation. This period includes: initial application, merchant screening, ID issuing, and system integration.
We provide detailed consultations and accept requests regarding our payment services.
Please feel free to contact us with any questions you may have.

It is also possible to use the system in the test environment and download specifications.

Test environment enables you to conduct a preliminary test upon introducing “PG Multi-Payment Service”.
We also provide specification documents, manuals, and administration dashboard that is necessary for processing various payment methods (test operation).

2. Documents to submit

Please submit following documents when applying.

When using the Representative Contract with merchants:
  • 1) PG Multi-Payment Service application
  • 2) The register of the company (copy)
  • 3) Materials presenting your products/services
  • 4) Merchant information form
  • 5) Internal check form
  • 6) Notation content based on the Act on Specified Commercial Transactions
  • 7) Application and license to each competent government office.
  • *Some of the above documents are not required, when a web page is already being operated.
  • *Please contact our sales representative for more information.
When using the Direct Contract with merchants:
  • 1) PG Multi-Payment Service application
  • 2) Merchant information form

3. Merchant screening and registration

In case of Representative Contract with merchants, each acquirer conducts the merchant screening via GMO-PG.

4. Delivering the production environment

We will notify you about production environment settings via e-mail as soon as the system connection between an acquirer and GMO-PG is set.

5. Connection test in the production environment

You conduct the connection test in the production environment.

6. The start of full-scale operation

Service operations start.

  • *The period before the operations start varies, depending on your development tasks.
  • *PayPal introduction differs from other installation processes. After the merchant screening is approved, you will receive a confirmation e-mail from PayPal. You need to reply back by typing an authentication code. After that, the production environment will be provided.