Note: This article covers SB Payment Service, a payment service provider specific to Japan. This will not be relevant if you are not selling in the Japanese market.
If you're looking to bring together as many payment methods as possible under one integration, SB Payment Service might be a name you've come across.
SB Payment Service is a payment service provider that supports a wide range of payment methods. Beyond offering a rich lineup of payment methods, it's also well regarded for the quality of its support and the strength of its security.
This article explains SB Payment Service in detail. It also covers who it's best suited for, so be sure to use it as a reference.
What Is SB Payment Service (SoftBank Payment Service)?
Image source: SB Payment Service
SB Payment Service is a payment service provider operated by SB Payment Service Co., Ltd., a member of the SoftBank Group. Its main services are as follows.
| Service type | Overview |
|---|---|
| Online payment service | Offers payment methods for 40+ brands |
| In-store payment service | Offers credit card terminals, multi-payment terminals, and more |
| AI fraud detection | AI machine-learns from past fraud patterns to score the risk of fraudulent use at the moment of a customer's payment |
| Marketing support plan | A plan that includes 3 months free use of the news release distribution service "NEWSCAST" |
Beyond offering a rich lineup of payment methods, providing marketing support to help grow sales and airtight security is something distinct to SB Payment.
*This information is based on data as of August 2025.
Features of SB Payment Service
Here's a detailed look at the features of SB Payment Service.
Supports 40+ Payment Brands
Image source: SB Payment Service
SB Payment Service supports 40+ payment brands, including credit card payments, of course, as well as carrier billing, convenience-store payment, wallet payment, and buy-now-pay-later. This means that using SB Payment Service lets you bring together payment methods suited to a wide range of customer needs all at once.
*This information is based on data as of August 2025.
The Only Company in the Industry to Hold International Brand Licenses
Image source: SB Payment Service
SB Payment Service is the only payment service provider in the industry to hold international brand licenses from Visa, Mastercard, and UnionPay. When setting up credit card payments, it also takes on the role of the credit card company itself, handling everything from merchant screening to providing the payment service, all in one consistent process.
*This information is based on data as of August 2025.
Provides Fraud Prevention Measures Published by the Council for Credit Card Transaction Security Measures
SB Payment Service implements e-commerce fraud prevention measures published by the Council for Credit Card Transaction Security Measures.
Cardholder authentication service Applies additional authentication, such as a one-time password, only to high-risk transactions Security code Requires entry of the security code printed on the front or back of the card at the time of payment AI fraud detection A fraud-detection service using AI trained on payment big data Fraud-trend alerts Sends an email notification when a payment showing signs of a fraud trend is issued Attribute verification Checks the attribute information of customers suspected of fraud with the credit card companyBecause credit card fraud prevention is thoroughly implemented, SB Payment Service can offer customers an environment where they can use credit card payment with peace of mind.
*This information is based on data as of August 2025.
Also Offers Plans That Bundle in Marketing Support
Image source: SB Payment Service
SB Payment Service also offers plans that bundle its payment service together with marketing support. With the marketing support plan, you can use the news release distribution service "NEWSCAST" free for 3 months.
NEWSCAST lets you easily create SEO-friendly news releases, which you can distribute to media outlets in the genre of your choice. Distributed news releases are guaranteed to be published on 80+ web media outlets, helping expand brand awareness.
*This information is based on data as of August 2025.
Earned the Top Three-Star Rating for "Merchant Support"
Image source: SB Payment Service
SB Payment Service employs experienced support staff who carefully handle a wide range of customer inquiries by phone and email, covering service specifications, system research, applications, fraudulent use, and more.
In the "Quality Rating" from the HDI Rating Benchmark, which rates service quality, it has earned the top three-star rating for 2 consecutive years, and is highly regarded by many customers for the quality of its support.
*This information is based on data as of August 2025.
Benefits of SB Payment Service
Here's a detailed look at the benefits of SB Payment Service.
A Wide Range of Payment Methods Lets You Serve a Broad Customer Base
With SB Payment, you can introduce 40+ payment brands — from credit card payments to PayPay, convenience-store payment, carrier billing, and buy-now-pay-later. Since it can accommodate a wide range of customer needs, you won't need to worry about cart abandonment caused by not offering a customer's preferred payment method.
Smooth Setup of Payment Services
Normally, when setting up credit card payments, a payment service provider has to ask an intermediary company to handle merchant screening. However, since SB Payment Service holds international brand licenses from Visa, Mastercard, and UnionPay, it can handle everything from merchant screening to providing the payment service in one consistent process. This means even credit card payments, which normally take time to set up, can be introduced smoothly.
You Also Get Support for Growing Sales
Beyond just providing a payment service, SB Payment Service also offers plans that bundle in marketing support to help grow your e-commerce site's sales. Using the marketing support plan lets you distribute news to media outlets in your chosen genre, or reach customers via social media, enabling more effective promotion.
Since this makes it easier to build awareness among highly interested customers, you can expect not just a payment service, but growth in sales as well.
Airtight Security and Support Let You Use It with Peace of Mind
Another appeal of SB Payment is its airtight security measures. SB Payment Service holds certifications such as PCI DSS, ISMS, and the Privacy Mark, and has never had a single information leak incident.
It also has a support system staffed by experienced personnel, so if you run into trouble after signing a contract, you can reach out by phone or email. This means you can use it with peace of mind at any time.
Drawbacks of SB Payment Service
Here are the drawbacks of SB Payment Service.
Contract Procedures Differ Between Online and In-Store
SB Payment Service offers both an online payment service and an in-store payment service. However, if you want to introduce payment services to both your online shop and a physical store, you need to go through separate contract procedures for each.
Note that completing the contract procedure for the in-store payment service does not automatically make it available for your online shop.
SB Payment Service's Fee Structure Can Be Hard to Understand
Using SB Payment Service involves an initial cost, a monthly fee, payment processing fees, a payment service usage fee, and transaction fees. However, the specific rates vary depending on the payment methods used, the products or services sold, and the scale of your business, so they aren't published. If you're considering using it, contact SB Payment Service directly.
*This information is based on data as of August 2025.
Who SB Payment Service Is Recommended For
For those unsure whether SB Payment Service is the right fit, here are the characteristics of businesses it's best suited for.
Those Who Want to Support a Wide Range of Payment Methods, Domestic and International
SB Payment Service supports a wide range of payment methods across 40+ brands. Since it lets you introduce international payment methods as well as domestic ones, it's recommended for anyone who wants to build a payment environment that's easy for overseas customers to use too.
Those Who Prioritize a High Level of Security
SB Payment Service has a highly advanced security setup. Its credit card fraud prevention measures are also thorough, and it has never had an information leak. For that reason, it's also recommended for anyone who places a high priority on security.
SB Payment Service's Appeal Lies in Its Wide Range of Payment Methods and Advanced Security
SB Payment Service is a payment service provider whose appeal lies in its wide range of payment methods and advanced security measures. Since it lets you introduce 40+ payment brands, it helps reduce the risk of cart abandonment caused by not offering a desired payment method.
Its internationally standard security setup also makes it a great fit for those who prioritize security.
If you're considering adding a payment service to your e-commerce site, why not consider using SB Payment Service?
