法人の決済は、電子帳簿保存法の改正や2026年までに手形・小切手の廃止が予定されており、移行に伴う業務負担が予想されます。カードで決済すれば、移行にかかる手間がなくなることに加え、キャッシュフローの改善と資金管理の一本化も実現できることから、法人におけるカード決済は増加しています。このような環境下より、2023年7月から試行を始め、中小企業のカード決済ニーズが認められたため、今回、本格展開を決定しました。Commencement of handling of the new service “Invoice Card Payment Online” related to business-to-business card payments
October 17, 2024
Resona Holdings Co., Ltd.
Resona Bank, Ltd.
Saitama Resona Bank, Ltd.
Kansai Mirai Bank, Ltd.
Minato Bank, Ltd.
Resona Bank (President Iwanaga Shoichi), Saitama Resona Bank (President Fukuoka Satoshi), and Kansai Mirai Bank (President Nishiyama Kazuhiro), which are under the umbrella of Resona Holdings (President Masahiro Minami), will start handling a “bill card payment online” service that promotes credit card payments for business-to-business transactions, which has been tested at some branches since 2023/7, starting today. Minato Bank (President Juichi Takeichi) will start handling it after January 2025.
We reduce the burden of settlement operations for small and medium-sized enterprises and support customer productivity improvement
As for corporate payments, it is planned to revise the Electronic Book Preservation Law and abolish bills and checks by 2026, and the workload associated with the transition is expected. If you pay with a card, in addition to eliminating the hassle of migration, it is also possible to improve cash flow and unify fund management, so card payments in corporations are increasing. In such an environment, trials began in 2023/7, and since the card payment needs of small and medium-sized enterprises were recognized, full-scale development was decided this time.
By switching to credit card payments, you can improve your cash flow without borrowing
Conventional card payments cannot be used unless the business partner on the receiving side of the funds has prepared an environment that supports card payments. Since Resona Settlement Service transfers ※ on your behalf in this service, card payments can also be made to business partners that do not support card payments. Also, since you can use your card as it is, there is no need for additional screening or collateral. Additionally, the payment due date can be postponed for up to 60 days without changing the payment date to the business partner, and it is possible to stabilize cash flow without making new loans.
[Product Overview]
| Product name | bill card payment online |
|---|---|
| contents | A mechanism for making payments between corporate and sole proprietors' customers by credit card |
| Eligible customers | Corporate/sole proprietor customers with accounts at Resona Bank, Saitama Resona Bank, Kansai Mirai Bank, or Minato Bank |
| fees | 3.3% of card payment amount (no monthly fees) |
| Brands we handle | VISA/JCB |
[Scheme diagram]
- *The transfer is made to the business partner in the name of the customer. Resona Settlement Service outsourced transfers to Digital Garage Co., Ltd., which formed a capital and business alliance in 2022/11.
