Shopify makes it easy to set up an online store and integrate payment methods such as credit cards.
“But, I don’t know which one to use…”
“Are Shopify Payments and Shop Pay different?”
“Low fees, low fees…”
I hear many of these questions. I completely understand your concerns.
But don’t worry!
This time, I will explain the payment services available in Japan, from Shopify Payments, which you can use right after signing up for Shopify, to cryptocurrency payment options! I hope this article helps you decide which payment service to use.
Shopify Payments
Supported Brands: Visa, Mastercard, American Express, JCB, Diners Club, Discover
Supported Currencies: Supports multiple currencies including Japanese Yen
Transaction Fees:
- Visa/Mastercard domestic card fee: 2.90%-3.55%
- JCB card fee: 2.90%-3.55%
- International cards/American Express: 3.75%-3.90%
For more details, please check here under "View Plan Features."
Transfer Fee: 0%
Initial Cost/Implementation Cost: 0 yen
Strengths
No External Service Transaction Fees
With Shopify Payments, you won’t incur transaction fees of 0.2% to 2.0% when using external payment services.
Industry-Leading Conversion Rates
You can utilize Shop Pay, which boasts high conversion rates and allows for instant payment through Shopify Payments.Shop Pay can be activated to allow customers to check out seamlessly with one tap, greatly improving conversion rates. Instructions on how to set up Shop Pay can be found here.Shopify Admin > Settings > Payments > Manage Shopify Payments > Turn on Shop Pay.
Supports Apple Pay and Google Pay
See below.
Apple Pay
Supported Brands: Mastercard, American Express, JCB
Transaction Fees, Transfer Fee: Same as Shopify Payments
External Service Transaction Fee:: Free
Notes
- You can activate it by simply checking the icon in the payment settings of Shopify Payments.
- You can target Apple users (displayed when using Safari on iOS or macOS. For detailed usage conditions, seehere).
- Visa cards issued in Japan cannot be used for online payments with Apple Pay but can be used in physical stores.
Google Pay
Supported Brands: Visa, Mastercard, American Express
Transaction Fees, Transfer Fee: Same as Shopify Payments
External Service Transaction Fee: Free
Notes
- You can activate it by simply checking the icon in the payment settings of Shopify Payments.
- You can reach a large number of users who use Google.
- For more details, please checkhere.
Shop Pay
Supported Brands: Visa, Mastercard, American Express, JCB
Supported Currency: Japanese Yen
Transaction Fees, Transfer Fee: Same as Shopify Payments
External Service Transaction Fee: Free
Notes
- You can activate it by simply checking the icon in the payment screen of Shopify Payments.
- Shop Pay users can save and use their credit card information and addresses across stores.
Customer Usage
Customers can check the box for “Save information for speedy checkout” on the payment screen and enter their phone number. The next time they shop at a store that has Shop Pay enabled, they can enter the verification code sent to their phone, and their address and card information will be auto-filled.
PayPal
Supported Brands: Visa, MasterCard, American Express, JCB, UnionPay and others
Supported Currencies: 22 currencies (currencies that can be received with a Japanese account. For details, seehere).
Transaction Fees: 3.6% + 40 yen (domestic standard rate, varies with monthly transaction volume)
Transfer Fee: 0 yen (for amounts under 50,000 yen: 250 yen per transaction)
Strengths
Already integrated when opening an online shop
When you open a Shopify store, you can use PayPal Express Checkout from the start (an email will be sent for account registration after your first sale). If you already have a PayPal account, please refer tothis for setup instructions.
Strong in cross-border e-commerce
Strong internationally! The usage rate from overseas customers is higher than that of Japanese customers, making it essential for cross-border e-commerce. For more information about PayPal, please see here.
Amazon Pay
Supported Brands: Visa, MasterCard, American Express, JCB
Supported Currency: Japanese Yen
Transaction Fees: 3.9% (non-digital content), 4.5% (digital content)
Transfer Fee: Free
External Service Transaction Fee: 0.2% to 2.0% depending on Shopify's plan.
For details, please check here under "View Plan Features."
Strengths
Reach customers with Amazon accounts
By simply logging into a Japanese Amazon account, address and payment information will be automatically filled in.
Free implementation with Shopify
Unlike other services that may require a monthly fee or initial costs, Amazon Pay can be implemented for free with Shopify!
Improved conversion rates
Many Amazon users already have their credit cards registered, making it a very convenient payment method for shopping on the go. For more details on how to use Amazon Pay, please checkhere.
Note that this is only available for corporations based in Japan, using accounts registered on amazon.co.jp.
KOMOJU
Supported Brands: Credit Cards, PayPay, LINE Pay, Merpay, Convenience Store Payments, au PAY, d Payment, Rakuten Pay, Paidy, Alipay,
Supported Currency: Japanese Yen, multiple currencies (depending on payment method)
Transaction Fees: 3.25% (Visa, MasterCard, Amex, JCB, Diners, Discover). For details on other payment methods, please see here. Special rates are available for businesses with high transaction volumes. For details, please contact us.
Transfer Fee: 220 yen (for transfer fees within Japan for amounts below 30,000 yen. International transfers are 2,500 yen.)
External Service Transaction Fee: 0.2% to 2.0% depending on Shopify's plan.
For details, please check here under "View Plan Features."
Strengths
Integrate multiple payment methods at once
From convenience store payments to mobile payments, you can utilize multiple online payment methods with a single contract. We also offer payment methods from abroad for merchants engaged in cross-border e-commerce.
No initial or monthly fees
You can use it with a clear pricing structure of no initial or monthly fees. No fixed costs per transaction are required.
Supports the latest mobile payments
You can integrate online payments for PayPay, LINE Pay, Merpay, and au PAY into your online store all at once.
For more detailed information, please check here.
Carrier Billing
Supported Brands: NTT DOCOMO, au, Softbank
Transaction Fees: 6.4%, 15% (for digital content)
External Service Transaction Fee: 0.2% to 2.0% depending on Shopify's plan.
For details, please check here under "View Plan Features."
Strengths
Attract new customers
You can reach customers who do not have credit cards. There is no need to enter credit card information at the time of purchase.
Easy payment
Customers can make purchases immediately, and payment is billed with their mobile phone charges. There is no risk of unpaid payment.
For more details, please check here.
Paidy Next Month Payment (Convenience Store/Banks)
Strengths
Attract new customers
You can reach customers who do not have credit cards. You can convert those who could not complete their purchase due to their preferred payment method not being available.
100% guarantee on revenue deposits
If customers delay payments, Paidy guarantees the revenue deposit.
For more details, please check here.
SB Payment Service (SBPS)
Supported Brands: Visa, MasterCard, American Express, JCB, Diners
Supported Payment Methods: Credit Cards, Web Convenience Store Payments, PayPay (online), LINE Pay, Carrier Billing, Rakuten Pay
Transaction Fees: Credit card fees as low as 3.10%, PayPay (online) 3.45%, and more
External Service Transaction Fee: 0.2% to 2.0% depending on Shopify's plan.
For details, please checkhere under "View Plan Features."
Revenue Transfer Fee: Free
Most popular QR code payments You can integrate various payment methods including PayPay, which boasts 51 million users in Japan.
With PayPay online payments, customers can complete payments with one tap on the app, helping to prevent cart abandonment. Other payment methods, such as carrier billing, LINE Pay, and Rakuten Pay, can also be integrated.
Industry's lowest card payment transaction fees
Visa and MasterCard fees are 3.10%, and JCB, Diners, and American Express fees are 3.40%. These are available at low rates (negotiable). Furthermore, credit card payments will be deposited twice a month (on the 15th and end of the month).
Free security options essential for e-commerce
You can easily access services like interest-free credit card installment payments, EMV 3D Secure (3D Secure 2.0), AI fraud detection, and marketing support.
For detailed information on SB Payment Services, please check here.
NP Deferred Payment
Supported Currency: Japanese Yen
Transaction Fees: Multiple plans are available. For details, please check here.
External Service Transaction Fee: 0.2% to 2.0% depending on Shopify's plan.
For details, please check here under "View Plan Features."
Strengths
Safe and convenient deferred payments to attract new customers
“NP Deferred Payment” allows customers to receive products first without registering their credit card information and to pay later using various methods such as convenience stores, banks, postal services, and LINE Pay, making it easy to enjoy shopping on unfamiliar e-commerce sites.
High-precision credit system reduces lost opportunities
“NP Deferred Payment” offers a high-precision credit system using industry-leading transaction data, with a credit pass rate of 97%. This reduces the loss of sales opportunities and prevents brand damage.
Industry Share No. 1
“NP Deferred Payment” is the most chosen among deferred payment services due to its high-precision credit and strong support. For more details, please check here.
atone
Supported Currency: Japanese Yen
Transaction Fees: Starting at 2.5%
External Service Transaction Fee: 0.2% to 2.0% depending on Shopify's plan.
For details, please check here under "View Plan Features."
Strengths
Industry's lowest transaction fees
The transaction fees are offered starting at the industry’s lowest level of 2.5%. The risk of unpaid payments unique to deferred payments is guaranteed by Net Protections!
Point rewards to improve retention rates
0.5% of points usable for discounts are returned, promoting repeat purchases among customers. Suitable for a wide range of areas including e-commerce sales, digital content, and physical stores.
Broad applicability means that even businesses that have not been able to implement deferred payments before can make use of this service.
For more details, please check here.
atone Deferred Payments (Convenience Store/Banks/ATM)
Supported Currency: Japanese Yen
Transaction Fees: 2.5%~
External Service Transaction Fee: Shopify's plan may incur fees from 0.2% to 2.0%.
Strengths
Simple payment process prevents cart abandonment Customers can use only their mobile phone number and email address without registration, effectively preventing cart abandonment at checkout.
Industry's lowest transaction fees
Transaction fees are available starting from 2.5%. The risk of unpaid payments unique to deferred payments is guaranteed by Net Protections! Payment is paperless
It is possible to make deferred payments at convenience stores/banks without paper invoices.
NP Installment Payment
Supported Currency：Japanese Yen
Transaction Fees：Multiple plans available. For details, please check here.
External Service Transaction Fee: Shopify's plan may incur fees from 0.2% to 2.0%.
For details, please check here under "View Plan Features."
Strengths
Outsource the entire billing process
You can outsource everything from credit checks, invoice issuance, payment collection, deposit management, to reminders. Even in the event of uncollected receivables, NP Installment Payment guarantees payment. With a 99% approval rate, it also guarantees the risk of non-collection. As of March 31, 2022, the approval rate was 99%. If there is no payment, all installment payments will be prepaid.
1 in 8 domestic companies use it*
Thanks to our unique credit system, we can engage with a wide range of customers, from sole proprietors to large corporations, including industries with special business practices. *Calculated from the number of domestic companies and the number of unique buyer companies in FY2021.
GMO Payment Gateway
Supported Brands: Visa, MasterCard, American Express, JCB
Supported Payment Methods: Credit Cards, Convenience Store Payments
Transaction Fees: Starting from 3.15% (negotiable)
External Service Transaction Fee: Shopify's plan may incur fees from 0.2% to 2.0%.
For details, please check here under "View Plan Features."
Strengths
Reliable support system
Paygent is a joint venture between NTT Data, Japan's largest SIer, and Mitsubishi UFJ NICOS, which boasts one of the largest numbers of credit card merchants in Japan. We provide support based on extensive experience and results from both companies (support is provided from inquiry to implementation, including phone support).
Industry's lowest credit card transaction fees
In the BtoC plan, the fee is 3.0%, and in the BtoB plan, it is 2.5%, offering some of the lowest credit card transaction fees in the industry. Additionally, initial fees, refund cancellation fees, and revenue transfer fees are all free.
Support for "installment payments" and "revolving payments"
Not only offering "one-time payments," but also supports "installment payments" and "revolving payments." This allows for a wide range of payment cycles, which can expand business opportunities, especially for high-priced products.
For detailed information on Paygent, please check here.
GMO Epsilon
Supported Brands: Visa, MasterCard, American Express, JCB, Diners
Supported Payment Methods: Credit Cards, PayPay, Convenience Store Payments, Deferred Payments, Bank Transfers (Virtual Accounts), Mobile Carrier Payments, Direct Debit Payments, Cash on Delivery
Transaction Fees: Starting from 3.2% (negotiable). For details on other payment methods, please check here.
External Service Transaction Fee: Shopify's plan may incur fees from 0.2% to 2.0%.
For details, please check here under "Compare Plan Features."
Strengths
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Fast approval process
You can complete credit card payment approvals in as little as 3 business days.
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Payment status integration application to streamline site operations
When using convenience store payments, the payment slip number is automatically displayed in the Shopify admin panel. Additional development can enable the display of payment slip numbers on customer My Pages.
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Bank transfers (virtual accounts) can also be introduced for BtoB payments
Epsilon automatically generates a payment destination account (virtual account) for each order, so merchants do not need to prepare a dedicated account for their online store.
Wellnet Multi-Payment Service
Supported Brands:
- 5 credit card brands (VISA, MASTER, JCB, AMEX, DINERS)
- Convenience Stores (7-Eleven, FamilyMart, Lawson, Seicomart, Daily Yamazaki)
Supported Currency: Japanese Yen
Supported Payment Methods: Credit Cards, Convenience Store Payments, Payment Assistant (smartphone payment app), Pay-easy (ATM/online), Internet Banking, PayPay online, Mobile Suica, Rakuten Edy
Transaction Fees: Credit Card 3.0%
Convenience Store, Pay-easy, Internet Banking 2.50% (minimum 150 yen)
Payment Assistant 2.0% (minimum 100 yen)
PayPay (online) 3.50%
Mobile Suica, Rakuten Edy 4.0%
Both initial and monthly costs are 0 yen
For detailed inquiries, please visithere.
External Service Transaction Fee: Shopify's plan may incur fees from 0.2% to 2.0%.
For details, please check here under "View Plan Features."
Features of Wellnet's "Multi-Payment Service":
You can implement a wide range of payment methods, including credit cards, convenience store payments, ATM (Pay-easy), online banking, electronic money (PayPay, Rakuten Edy, Mobile Suica, JCB Premo) and Wellnet's bank account-linked smartphone payment app, "Payment Assistant."
We have a track record of implementation across various industries, including major e-commerce platforms.
Our operation center operates 24/7, providing thorough support regardless of late-night or holiday inquiries.
We plan to integrate even more payment options in the future. This article will be updated as new payment services are introduced, so please check back occasionally!
