PG Multi-Payment Service
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Bank transfer (Virtual Account)
Bank transfer (Virtual Account)
▼ What is Bank transfer (Virtual Account)?
This is a method of making a payment by assigning a transfer-only account (accepting only transfers) to each billing (transaction) destination.
As soon as there is a deposit in the transfer-only account, we will notify you of the deposit, so you can reduce the deposit verification office cost.
(This service uses SMBC 's deposit verification service "Perfect" and GMO Aozora online bank 's "Transfer Deposit Account". You can select either one at the time of application.)
Benefits of Bank transfer (Virtual Account)
- ・ Reduction of deposit verification office costs
It becomes easier to identify the transferor, the efficiency of payment verification office work can be improved, and office costs can be reduced. - ・ Strengthening sales receivable collection management
By improving and accelerating the application rate, it will be easier to identify the unpaid destinations, and early response will be possible. - ・ Improvement of customer service
You can reduce payment inquiries to customers and reduce delays in providing products and services due to delays in payment confirmation. - ・ Reduction of erroneous deposits *
As a standard function, a check digit function and an account closure function after use are attached, and you can expect to reduce erroneous deposits.
* This function is limited to online bank
Bank transfer (Virtual Account) operation flow
Flow from purchase to payment to member stores
… Purchase information, payment number, payment completion notification
…payment
…Service delivery
- 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 online 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 * 1 / Customer unit * 2 |
Transaction unit * 1 / Customer unit * 2 |
| contract classification | Comprehensive contract only |
Comprehensive contract only |
| account number | Serial number |
random |
| Account dormant period | 30 days |
- |
| Billing * Shop unit |
|
|
| Transfer name | GMOペイメントゲートウェイ●●（●●は加盟店様指定） |
① Shop name + (member store optional) * 4 / |
| Check digit | None |
Yes |
| Target member stores | It payment will be used by member stores with 300 or more. Even if the number of transactions is small, it is the best plan for member stores who wish to use the customer unit * 2 or change the transfer name. |
All member stores |
* 1) Allocate a virtual account for each transaction (method of assigning an account number for each transaction and utilizing it in one time)
* 2) Allocate a virtual account for each customer (a method of linking pre-linked account numbers for each customer and continuously using them)
* 3) You can apply in units of 1,000 accounts. Considering the account dormant period, please apply about 4 times the number of monthly accounts.
* 4) It can be used when the necessary conditions are met. Please contact us for details.
Precautions for Bank transfer (Virtual Account)
・ About the burden of transfer fee
- Please let us know in advance as the transfer fee to the transfer-only account will be borne by the end user (purchaser).
・ About selectable banks
- You can choose from two banks, SMBC and GMO Aozora online bank.
・ About the function
- The functions provided vary depending on the bank you select. Please contact us for details.
PG Multi-Payment Service?
The PG Multipayment Framework is a comprehensive payment service that integrates various payment functions as a "SaaS" that realizes high-performance and easy introduction. Since we provide not only procedures such as merchant screening and contract of affiliated stores but also from actual introduction to operation in one stop, smooth payment service can be introduced.
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- Bank transfer (Virtual Account)
This service is applicable when the introduced EC site is operated by a corporation.
If the introductory EC site is operated by an individual, please check here.