SB Payment Service for Shopify: Supported Payment Methods, Fees, and Setup Considerations

If you want to add PayPay, convenience store payments, carrier billing, and similar methods to Shopify, SB Payment Service (SBPS) is one option. Because you can choose the payment methods you need and apply for them, you can also consider a setup that keeps card payments on Shopify Payments and adds other payment methods through SBPS.

At setup, check each payment method's fixed costs and Shopify's third-party transaction fees in addition to the payment processing fee. For example, if you use SBPS Visa on Shopify's Basic plan, the SBPS payment processing fee of 3.10% and Shopify's third-party transaction fee of 2.00% total 5.10% for the rate portion. Monthly fees and authentication fees are added as well. You also need to check whether the card payment capture deadline and the number of refunds fit how your store operates.

This article explains the payment methods and pricing SBPS offers for Shopify, cost estimates, and points to watch during setup and operation. It also introduces how to hide payment methods based on product and customer conditions after setup. Fees and specifications were checked on November 13, 2026.

Can you use it alongside Shopify Payments? A payment setup that fits your store

You can consider a setup that keeps card payments on Shopify Payments while adding PayPay, convenience store payments, and similar methods through SBPS. You do not have to switch every card payment in order to set up SBPS.

SB Payment Service is a payment service provider that offers online payments and related services. For Shopify, it offers credit cards, mobile payments, carrier billing, WEB convenience store payment, UnionPay Online Payment, and WeChat Pay. Based on your store's goal, start by considering the following setups.

Treat "whether Shopify Payments is enabled" and "where that transaction was processed" as separate questions. Using them together does not, by itself, waive all third-party transaction fees on transactions processed through SBPS. For Plus, also check the contract terms.

The full cost is SBPS's initial and monthly fees, plus fees based on the payment amount, costs based on the number of transactions processed, and Shopify's third-party transaction fees. If you use authentication or a helper app, add those charges as well.

You choose the payment methods to use, apply, complete screening and connection setup, and add them to Shopify checkout. Payment methods and features that SBPS offers as a whole are not available unchanged through the Shopify integration. The pricing tables in this article cover what is published for Shopify.

An overview of the service as a whole is explained in the article introducing the features of SB Payment Service as well.

Source: SBPS's official explanation of using it alongside Shopify Payments, SBPS's official page for Shopify, Shopify fees when using an external payment service. The pre-order setup is a proposal based on the conditions of the Deferred payments feature described later.

List of supported payment methods and fees

The list below is based on the corporate pricing table for Shopify published by SBPS. Amounts are in JPY. Confirm on the contract quote whether the pricing table as a whole is tax included or tax excluded. Costs that public information explicitly marks as tax excluded, such as authentication fees and helper apps, are noted individually. If there is an individual quote or contract terms, check those.

Pricing is split into "initial fee," "monthly fee," "payment processing fee," "payment service usage fee," and "transaction fee." The tables below do not include third-party transaction fees paid to Shopify.

Credit card payments

Cards support 5 brands. The payment processing fee rate differs between Visa and Mastercard and the other 3 brands.

The initial fee is JPY 3,000, and the monthly fee is JPY 1,000. These are presented as the pricing category for card payments, and they are not added five times, once for each brand. The brands you can use depend on the screening result.

If you use EMV 3-D Secure, an authentication transaction fee of JPY 2 per payment processed is charged separately from the above. Do not look only at "JPY 0 transaction fee" and decide that the authentication fee is free as well.

Mobile and wallet payments

Wallet payments have an initial fee and a monthly fee for each payment method. If you add more than one payment method, the fixed costs are added together.

The following costs are charged separately from the payment processing fee.

For Rakuten Pay, the published pricing table lists a payment processing fee of 4.00%, plus a payment service usage fee of 0.50% and JPY 5 per transaction. On the quote as well, check each of these costs separately.

SBPS's d払い service specifications state that you cannot contract for both carrier billing and wallet payment, and that it must be one or the other. The official page for Shopify also says that applying for d払い (wallet payment) requires an individual consultation through the inquiry form or a sales representative.

Carrier billing

Carrier billing is a method in which the charge is paid together with the mobile phone bill or a similar bill. Its pricing and terms of use differ from au PAY (net payment) and d払い (wallet payment).

For every carrier, the payment service usage fee rate is 0.00%, and the transaction fee for sales and refunds is JPY 5 per transaction. Initial fees and monthly fees are charged per carrier.

WEB convenience store payment

WEB convenience store payment requires payment in advance. It supports 5 convenience store chains, which share the same payment processing fee rate but charge different transaction fees per transaction.

The initial fee for WEB convenience store payment is JPY 3,000, and the monthly fee is JPY 1,000. The fixed fees are presented as the pricing category for WEB convenience store payment, and they are not counted once for each of the 5 convenience store chains.

Page 47 of the public manual for Shopify states that if a single payment amount is JPY 50,000 or more, a stamp duty of JPY 200 per payment is charged to the store operator. The usable amount on page 44 of the same manual is JPY 1 to JPY 299,999 per transaction. If you sell high-priced products, check the additional cost and the usage limit.

UnionPay Online Payment and WeChat Pay

If you serve customers in China and similar customers, UnionPay Online Payment and WeChat Pay are also options. Each payment method has its own fixed costs.

For both, the payment service usage fee rate is 0.00%, and the transaction fee for sales and refunds is JPY 5 per transaction. Check support for payment methods aimed at customers overseas separately from support for checkout in a foreign currency.

Source for the pricing tables above: SBPS's corporate pricing table for Shopify. Stamp duty and usable amounts are based on the public manual for Shopify cited above.

Application conditions for sole proprietors and overseas corporations

Sole proprietors can also apply, but the official information accepts applications only for credit card payments and PayPay (online payment). Not every payment method offered to corporations is available to sole proprietors. Overseas corporations cannot apply.

For a sole proprietor's card payments, applying for EMV 3-D Secure is required. An authentication transaction fee of JPY 2 (tax excluded) is charged per payment processed.

Source: SBPS's official page for sole proprietors, FAQ on the corporate page

How to think about cost, including fees on the Shopify side

Transactions processed through SBPS incur Shopify's third-party transaction fees in addition to SBPS's fees. Even for a store that has enabled Shopify Payments, transactions processed with an external payment method are handled separately.

Third-party transaction fees by plan

Shopify's pricing page for Japan lists the following rates. Plus requires confirmation of the individual contract and of any waiver conditions.

For example, if you use an SBPS Visa payment on Basic and both fees apply to the same payment amount, the rate portion alone is 3.10% + 2.00% = 5.10%. Monthly fees and authentication fees are added on top of that.

Shopify's third-party transaction fees are calculated from the discounted product price with tax and shipping added. In countries where Shopify Payments is available, such as Japan, also note that this transaction fee is not returned on a refund.

Source: Shopify's official pricing page, Official help for third-party transaction fees

For Plus waiver conditions, check Shopify Plus's official pricing page and confirm with Shopify based on your own contract and invoices. You cannot decide that it is free only because you use them together.

Cost estimates at monthly sales of JPY 1,000,000 and JPY 5,000,000

The following table is an estimate of payment-related costs for a store on Basic. Monthly sales are treated as the total payment amount subject to the fee calculation, including tax and shipping, and the average order value is set to JPY 5,000. Cards are assumed to be domestically issued Visa and Mastercard, and the Shopify Payments rate is calculated at 3.55%.

The initial fee is JPY 0 in row 1, JPY 3,000 in row 2, and JPY 6,000 in row 3. If the full amount is recorded in the first month, payment-related costs at monthly sales of JPY 1,000,000 are JPY 35,500, JPY 43,800, and JPY 60,520, in that order.

The calculation breakdown for monthly sales of JPY 1,000,000 is as follows.

This estimate keeps sales and transaction counts the same and changes the payment provider and the mix. It is not a calculation that assumes sales increase because PayPay is added.

It assumes one authentication per SBPS card payment, with no failures and no retries. Consumption tax on the costs, the Shopify plan fee itself, implementation costs, refunds, foreign exchange, optional helper apps, and the fees for RuffRuff Order Limits and RuffRuff 予約販売 are not included. Add those as well in the budget for the whole store.

The result also changes if the card brands you use, the average order value, or the mix of payment methods changes. Before setup, running the same calculation with your actual sales mix makes the cost of the payment methods you add easier to see.

What else do you pay besides the payment processing fee? A list of additional costs

Authentication, the number of payouts, and helper features for payment management also have fees. When you check the quote, separate the added cost of payment methods from the cost of options you choose to contract.

Costs for authentication, payouts, and security

Items whose cost for Shopify could be confirmed from public information are separated from items that need individual confirmation. Do not treat a general service price as the contract price for Shopify. Confirm it on the quote.

For security-code authentication, blocking overseas-issued cards, and the fraudulent shipping-address information service, confirm individually whether each can be used with the Shopify integration, plus the application conditions and fees. "Free" refers to the cost of the applicable option. It does not mean the base payment processing fee and authentication fees become free as well.

Source: Authentication-fee note on the official SBPS landing page, Information on no-charge options for Shopify, Card payment manual, page 49, General information on early and multiple payouts. General information on early payouts alone cannot determine the fee that applies for Shopify.

Apps that support operations in the Shopify admin

Separately from the app that processes payments, SBPS provides apps that help you look up order information and link cancellation for convenience store payments.

Both say that installing the app is free, but a monthly usage fee and a contract are required. Do not assume that installing the payment app also makes the helper app's integration features available.

Source: Official pricing table for 決済情報取得参照App, Official pricing table for コンビニ決済機能補助App. Pricing images on each page were checked on November 13, 2026.

Features and operational limits to check before setup

After setting up SBPS, monitor the status of orders, payments, and payouts as you operate. Before signing a contract, check whether the time until shipping, the number of refunds, and the handling of unpaid convenience store orders fit your store’s workflow.

How the authorization period, the authorization expiry, and the payment capture deadline differ

An authorization on a card payment checks whether the customer's card can accept the payment and reserves available credit until payment capture. Both "authorization period" and "authorization expiry" refer to how long this authorization can be held. The "payment capture deadline" is the deadline by which the store operator should complete the payment capture operation.

Below, for transactions that hold an authorization (provisional sale) under manual capture, the payment capture deadlines published by SBPS are compared. This is not a guarantee that the bank or card company holds the available credit for that same period. The deadline for the customer to finish the purchase on the payment screen, and the convenience store payment deadline, are separate as well.

Manual capture deadline and start point for each payment method

The manual capture deadline has a different start date and end time depending on the payment method. In the table, do not replace "including that day," "the same time of day," and "the end of the month after next" with a day count alone. The check date is November 13, 2026.

If you use cards, PayPay, Rakuten Pay, Merpay, carrier billing, or au PAY with automatic capture, the manuals say payment is captured automatically when the purchase is completed. The day counts above are the deadlines for manual capture, when payment capture is postponed. They differ from the refund deadline for a transaction whose payment has already been captured.

Source: Cards, page 23, PayPay, page 23, Rakuten Pay V2, page 22, Merpay, page 22.

Sources for carrier billing and the others: SoftBank, page 22, d払い (carrier billing), page 22, au carrier billing, page 22, au PAY, page 22, Convenience stores, page 41, UnionPay, pages 20-22, WeChat Pay, pages 20-22.

Page 22 of Merpay's public manual does not state an end time. If you assume processing right up to the deadline, confirm the cutoff time, the time zone, and how completion of processing is judged with SBPS. For convenience store payments as well, check "Expired" as shown in the payment status in the admin separately from the actual payment deadline set in SBPS.

[Pre-publication check] A Shopify-specific manual and deadline for d払い (wallet payment) could not be confirmed in this review of public information. When you apply to SBPS individually, confirm automatic or manual capture, the start point, and the capture deadline.

[Pre-publication check] The SBPS landing page also contains a statement of within 45 days, and that does not match the statement of 25 days in the card payment manual linked from the current list of official manuals. Until you confirm the applicable payment app, card company, and capture method with SBPS, do not decide that "shipping 45 days later is still supported."

For pre-orders and made-to-order sales, check the product's expected ship date and the authorization and payment capture deadlines separately. With ordinary manual capture, adding a pre-order app does not by itself extend the deadline on the payment side. The Deferred payments feature of RuffRuff 予約販売, described later, is different from a method that holds the authorization from the time of the order for a long period.

Source: SBPS card payment manual, pages 23 and 46, Official SBPS landing page

Card refunds are limited to one time in principle

SBPS's public card payment manual says that a refund can be made only once. A partial refund is possible, but after you refund part of the amount, you cannot make an additional refund of the remaining amount.

If your store accepts returns in more than one batch, or refunds the out-of-stock portion first, check the operating method in advance. Pages 45-46 of the public manual say the refund deadline is a maximum of 6 months from the sales-processing date. Also check the conditions that apply under the actual contract.

Cancellation fees, whether the original payment processing fee comes back, and whether the EMV 3-D Secure fee remains are separate items. The card payment manual states that the authentication fee has already been incurred at the time of a refund. Do not treat every payment method as "if you cancel, the costs all come back."

Source: SBPS card payment manual, pages 45-46

For WEB convenience store payment, ship after payment is received

With WEB convenience store payment, payment is not complete when the order is placed. Ship after you confirm that the received payment has been reflected. Also decide who cancels the order and restocks if the payment deadline passes while the order is still unpaid.

The basic payment manual describes cases where canceling the order on the Shopify side alone does not change the charge status on the SBPS side. The コンビニ決済機能補助App mentioned above can help with this link and with automatic cancellation of expired orders. Check the steps that match whether you have the helper app and how it is set.

After a convenience store payment, a refund cannot be made through SBPS, and the store operator needs to handle it by bank transfer or a similar method. If you also decide the refund method you tell customers and who bears the transfer fee, the handling can be kept consistent.

Source: SBPS convenience store payment manual, pages 24-32, Official information on コンビニ決済機能補助App

Support for subscriptions, saving cards, and currency

According to the public manual, SBPS card payments for Shopify do not support subscriptions. Card information is also not saved for the next purchase, so the customer must enter it each time they pay. Even if SBPS's general service has a recurring-billing feature, consider that separately from support for Shopify.

If you run subscriptions, check the supported gateways that Shopify officially describes and the conditions of the subscription app you use. Do not switch card payments without checking the effect on existing recurring charges.

On currency, the public card payment manual describes the payments as denominated in JPY. A store that checks out in a foreign currency, including payment methods other than cards, should confirm each supported currency and its terms of use with SBPS.

Source: SBPS card payment manual, pages 49-50, Shopify gateways that support subscriptions.

Check payouts separately from Shopify Payments

Sales through SBPS are paid from SBPS into the store operator's account after fees are deducted. The standard information on the official landing page is twice a month for cards, and month-end close with payment at the end of the next month for other payment methods. The transfer fee is borne by SBPS.

If you use SBPS alongside Shopify Payments, the payer and the payout date are separate. Including when you contract for early or multiple payouts, check the closing date, the actual bank business day, and the fee amount deducted, following the contract.

Source: Payout FAQ on the SBPS page for sole proprietors.

To sell pre-orders without relying on a long-held authorization, use Shopify Payments and RuffRuff 予約販売

If products take time to arrive or ship and you want to avoid having to capture payment before the authorization obtained at the time of the order expires, we recommend combining Shopify Payments with the Deferred payments feature of "RuffRuff 予約販売," developed and provided by our company, Tsun.

With Deferred payments, the portion charged later does not use a method that keeps holding an authorization from the time of the order. The customer's payment information and consent to be charged later are stored on the Shopify side, and a new card payment is run when you collect payment. RuffRuff does not hold card information directly either.

You can check the main features of RuffRuff 予約販売 in the official introduction video.

How this differs from extending the authorization taken at the time of the order

Ordinary manual capture takes an authorization first and captures payment within the deadline. The Deferred payments feature of RuffRuff 予約販売 runs authorization and payment capture for the portion charged later when you collect payment, so you do not need to hold the same authorization from pre-order acceptance until collection.

This mechanism is not a feature that extends SBPS's authorization period. For an ordinary pre-order that does not use Deferred payments, you still follow the authorization period of the payment provider under contract.

Source: How pre-orders and authorization work in RuffRuff 予約販売, Specifications of the Deferred payments feature

You can set full payment later or partial payment in advance

To charge the full amount later, set the Selling Plan's "Checkout amount (Deposit)" to 0%. You can also take part of the amount first and charge the balance later. Treat the amount paid in advance and the amount charged later separately.

You set the Payment due date as a fixed date, or as a number of days from the order date. Collection does not run automatically when that date arrives. You need to collect payment one order at a time in the Orders section of the Shopify admin, or charge up to 50 orders at once from RuffRuff 予約販売. Establish a process for checking the result of payment collection before shipping.

Source: Deferred payments settings and how to collect payment in RuffRuff 予約販売

Check the supported payment methods and the cost

The payment services you can use with the Deferred payments feature are Shopify Payments or PayPal Express. You cannot use this Deferred payments feature with SBPS PayPay, convenience store payments, carrier billing, or similar methods. There are also limits for Shopify Bundles product sets, draft orders, B2B orders, and similar orders.

Paid plans of RuffRuff 予約販売 include every feature. Pricing is Starter at USD 9 per month plus a Pre-order sales fee of 3%, Basic at USD 52 per month plus a Pre-order sales fee of 1%, and Pro at USD 199 per month with no Pre-order sales fee. Shopify Payments processing fees are charged separately. The Pre-order sales fee is calculated on the total amount of orders that include a pre-order product (after discounts are applied, shipping included). Fees were checked on November 13, 2026.

A later charge can fail, for example because the card is expired or over its credit limit at the time you collect payment. Being able to avoid the authorization-period problem and having future payment guaranteed are separate things. Check the collection result before shipping, and if it fails, follow the procedure in the official help for requesting payment again when contacting the customer. Tell the customer the expected ship date and the payment timing in advance, and also notify them when these change.

Consider this combination for pre-orders on the online store. Source: Shopify's official conditions for pre-orders, Coverage and limits of RuffRuff 予約販売, Pricing plans, How the Pre-order sales fee is calculated

From applying for SBPS for Shopify through the start of use

After you apply, SBPS carries out screening and environment setup, and you start using it after the connection settings on the Shopify side. Installing the payment app alone does not let you accept payments immediately.

1. Choose the payment methods to use, and register basic information on the SBPS application form.
2. Complete the full application in the merchant portal you are directed to.
3. Undergo screening by SBPS and the payment institution, and wait for the connection details to be sent.
4. Following the SBPS manual, add the target payment app from Settings → Payments in the Shopify admin, and set the connection details.
5. Check the test environment and test method available to you, then confirm payment, payment capture, cancellation, refunds, and notifications before you start selling.

The public card payment manual gives about 3 weeks to a month and a half from application to the start of use as a guideline. This guideline cannot be applied as it is to other payment methods. If you have a desired launch date, do not assume that every payment method can start at the same time. Check the schedule for each one.

The information says you can apply even with an unfinished site by submitting the specified documents. Whether your products can be handled depends on screening. If you already use the same payment method with another company, or if you have a contract for PayPay or similar at a physical store, also check the contract and screening conditions for online use.

Source: SBPS's official setup flow, Card payment manual, pages 6-17.

To hide payment methods based on conditions, use RuffRuff Order Limits

If, after you add payment methods, you want operations such as "do not allow convenience store payment for certain products" or "do not show some payment methods to guest customers," we recommend the Shopify app "RuffRuff Order Limits," developed and provided by Tsun, our company.

With Payment rules, you can hide the specified payment methods for orders that match the conditions. There is also a setting to show only the specified payment methods, so you can organize payment methods to match the store's selling conditions. In this show-only mode, if none of the specified payment methods exist at checkout, the rule is not applied and every payment method is shown.

You can check the main features of RuffRuff Order Limits in the official introduction video.

Fields you can use as conditions for hiding

Payment rules combine product, customer, language, and order information. The main conditions are as follows.

If you set more than one condition, the rule applies to orders that meet all of the conditions. For the order amount, choose Cart subtotal or Grand total, and set it carefully as to the extent to which shipping, tax, and discounts are included.

A pre-order product condition is also available, but that condition assumes you also use RuffRuff 予約販売. Product conditions in Payment rules also cannot specify a product tag directly. Choose from supported conditions such as Products, Variants, and Collections.

Source: Payment rules in RuffRuff Order Limits

Points to watch when you specify an SBPS payment method

If an SBPS payment method is not in the app’s selection list, specify it by entering the payment method name shown at checkout. You can choose "Exact match," "Starts with," "Ends with," or "Contains," but first confirm the exact name of the payment method you want to target.

For example, to avoid showing SBPS convenience store payment to guest customers, specify the actual convenience store payment name and set the customer condition to "Guests (not logged in)." After you save, enable the rule, and compare what is shown when logged in and when logged out.

Names entered directly are case-sensitive. If the display name differs between Japanese and English, also register the name for each language. So that a broad partial match does not unintentionally hide more than one payment method, also confirm that payment methods outside the target remain available.

Source: Steps to specify a payment method that is not in the list, Example of hiding convenience store payment for guests

Plans and where the rules apply

Payment rules are available on both the Light and Full plans. Light billed monthly is USD 9.9 per month on Shopify Basic, USD 13.9 on Grow, USD 19.9 on Advanced, and USD 29.9 on Plus. The app fee is charged separately from SBPS fees.

It cannot be applied to the Shop app, Shopify POS, or checkout used only with a Shop account. Check condition boundaries and each sales channel so that overlapping rules do not hide every payment method.

Source: Features and pricing of RuffRuff Order Limits, What to check when Payment rules are not applied. Fees checked: November 13, 2026.

If you want to use the payment methods added with SBPS differently based on conditions, see payment control features and pricing in RuffRuff Order Limits.

What to confirm with SBPS before you sign

SBPS is a suitable option for stores that want to add PayPay, convenience store payments, carrier billing, and similar methods, and for stores considering card installments. Decide whether to switch card payments with third-party transaction fees, refund limits, and the conditions for subscriptions and currency included.

As a case study, SANYO SHOKAI LTD. adopted SBPS along with its relaunch on Shopify Plus in September 2023, and introduced AI fraud detection, EMV 3-D Secure, and multiple payment methods. An SBPS interview article as of May 2024 reports a decrease in fraudulent use and chargeback losses. This is an individual case that also includes site consolidation and similar work, and it does not guarantee that every store will get the same result.

Source: SBPS's official case study of SANYO SHOKAI LTD.

Before you apply, organize the payment methods you want, the monthly payment amount and transaction count, the mix of card brands, the number of days until shipping, and the returns and refund flow. Then confirm the following items with SBPS.

• Whether your business type and products can be contracted for the payment methods you want.
• What the initial cost and the monthly cost will be, including Shopify-side fees.
• What the payment capture deadline is for each payment app and card company you use.
• On a return, how many times you can refund, and which fees come back. Where unpaid orders are voided.
• Whether you can make the desired sales start date, including screening and environment setup.

Including items still awaiting confirmation, such as Plus contract terms and the authorization period, confirm the quote and conditions through SBPS's official contact for Shopify.