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What credit card payment processor do you use in Japan?

After doing some research I am thinking of possibly using Epsilon which is a division of GMO.

For a SAAS do you think that providing credit cards payment as an only option is sufficient or would it be prudent to also provide a convenience store payment option. I'm not to excited about the convenience store option because I think that would mean we would have to mail out payment tickets every month to every customer.

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Hey Truman,

I hope all is well in Japan. I don't have much of an answer for you as most sites that I've set up towards Japan have used US based merchants that allow international transactions.

You might also want to look at 銀行振り込み - direct wiring to bank accounts as that is popular in Japan. I see it as an option on most major e-commerce sites. I'm not sure exactly sure how the recurred billing would be set up though.

You might want to check Rakuten and see the options they have. I think they offer a payment gateway too.

Scott
Hey Scott,

It's great to be able to have all the ramen and mochi I want nearby. But it's cold!! How's it going for you?

I'll check out 銀行振り込み and Rakuten.

Aloha,
Truman
I am trying to pick a payment processor there as well.

Full disclosure: I worked as a programmer/sysadmin remotely for GMO up until last month. Moved to Maui from Tokyo 5 years ago. I worked in a different division, so I am not too familiar with this.

I would work with GMO Payment Gateway. It is my understanding that their Epsilon service is an older one. If you would like I can have someone contact you.

http://www.gmo-pg.com/
Regrettably, I don't know other processors enough to have an opinion.

You should always try to accept furikomi. Even in this digi-money age
you will have people who want to furikomi.

In order of implementation . . .
Credit cards -> Furikomi -> konbini -> suika and other forms of digimoney
Not too sure where paypal fits in there. The acceptance rate there is low.

Truman, do you know Jeff Char?
PM me.

BTW, auto-pay is called jidou-hikiotoshi (自動引き落とし).
This can be done, but it is a pain in my experience.
We have to send out postcards to be stamped and returned by the customer to start the process.
Seems like you need a different company for each payment solution :(
Thanks, Ben! So from what I gather...

銀行振り込み (ginkou furikomi) = bank transfer/deposit (either cash at ATM or transfer)
konbini = convenience store payment

What is suika?

Does jidou-hikiotoshi (自動引き落とし) == automatic recurring billing? Sending out postcards does sound like more work that I want to do.

BTW, if you want to vote up GMO as a payment processor feature request for Chargify, please go to their uservoice site. The more votes, the quicker they will add it as a gateway to their recurring billing system.
You might want to check out http://www.paypal.jp/ as well.
Hi Truman,

I love this discussion!

> What is suika?

I guess you meant "Suica". I used to use this everyday to go to the office.

http://en.wikipedia.org/wiki/Suica

> Does jidou-hikiotoshi (自動引き落とし) == automatic recurring billing?

Yes.

Say "元気〜?" to Elisabeth and Noah!

Mika
> Suica

What iPhone in Japan is missing :-)
Hi Mika and Dan, thanks for your help! Suica is fascinating. I just did a bit of reading on FeliCA which powers suica. Using your phone as a pre-paid or credit card ... cool.

One weird thing between the U.S. & Japan is that the while the U.S. has plenty of Internet startups, my guess is that Japan has few. However, while U.S. has slooooow broadband speeds, Japan has insanely fast fiber optic connections that are affordable for consumers. 67 Mbps download and 52 Mbps upload is just nuts.
True. Japan doesn't have as many flashy Web 8.0 startups. They just quietly do really, really cool stuff ;-)

Truman Leung said:
Hi Mika and Dan, thanks for your help! Suica is fascinating. I just did a bit of reading on FeliCA which powers suica. Using your phone as a pre-paid or credit card ... cool.

One weird thing between the U.S. & Japan is that the while the U.S. has plenty of Internet startups, my guess is that Japan has few. However, while U.S. has slooooow broadband speeds, Japan has insanely fast fiber optic connections that are affordable for consumers. 67 Mbps download and 52 Mbps upload is just nuts.

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