{"id":13906,"date":"2024-04-26T19:48:26","date_gmt":"2024-04-26T10:48:26","guid":{"rendered":"https:\/\/www.decoboco.info\/en\/?p=13906"},"modified":"2026-09-24T13:46:29","modified_gmt":"2026-09-24T04:46:29","slug":"square-card-payment-introduction-benefits-beyond-fees","status":"publish","type":"post","link":"https:\/\/www.decoboco.info\/en\/20240426\/everyday-things\/square-card-payment-introduction-benefits-beyond-fees","title":{"rendered":"THE “Card Payment” SQUARE Introduction: What I Learned! Beyond Processing Fees\u2014The Real Gains and Time Savings"},"content":{"rendered":"\n
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When paying by card, “I feel bad about the processing fee, don’t I?<\/b>“<\/strong><\/span>
You’re right
When paying by card<\/strong>
“Without fail, 3.25% (SQUARE) processing fees are borne by the store<\/strong>“<\/span>must be covered.
In accounting terms“Processing fees” or “Card processing fees”<\/span><\/strong>becomebusiness expenses<\/strong><\/span>.
*To be more precise, there’s a bit more to it…

Finding the benefits of card handling<\/span><\/strong>might be important.
It’s worth thinking about once!<\/strong>
If you’re unsure, definitely try SQUARE (*\u00b4\u03c9\uff40*)<\/span><\/strong><\/a>


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\n\t\t\t\t\t\n\t\t\t\t\t\t\"\"\/\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t[Authorized Retailer Product] Square Terminal | Built-in Printer, Cashless Payment Terminal | Portable POS Terminal White \/ Credit Card, PayPay, Electronic Money, Contactless Payment Compatible A-SKU-0609\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t
Square<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\u00a537,980\t\t\t\t\t\t\uff082026\/09\/20 19:33\u6642\u70b9 | Amazon\u8abf\u3079\uff09<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\"\"\n\t\t\t\t\t\t\t\u53e3\u30b3\u30df\u3092\u898b\u308b<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\tAmazon\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\tRakuten\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\tYahoo!\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\"\"\n\t\t\t\t\t\u30dd\u30c1\u30c3\u30d7<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\n\n\n\n\n\n\n


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No cash handling = No need to prepare change\/No deposits required<\/h2>\n\n\n\n

Oh no! Running out of 1,000 and 500 yen coins!<\/span><\/strong>No more panicking.
*You just need to prepare them separately?

No need to go to the bank at month-end to deposit“is reduced”<\/span><\/strong>
This might be perfect for forgetful people.
Issuing receipts is easy\u2014just print them!<\/span><\/strong>*Treated as statement\/receipt
Since card usage is notedno revenue stamps are needed<\/span><\/strong>


Just for this3.25%? Hmm…<\/span><\/strong>I can’t blame you for thinking that.
Howeverthe work that definitely saves time becomes simpler<\/span><\/strong>I think.
Over 365 days a yearquite a bit of time is being saved<\/span><\/strong>surely.<\/p>\n\n\n\n

<\/div>\n\n\n\n

So, what’s the actual usage ratio?<\/h2>\n\n\n\n

Our store started handling cards from mid-February<\/span><\/strong>so the comparison isn’t entirely fair.
It’s interesting, so I calculated it.

Cash 48% Card 36% Bank transfer 15%<\/span><\/strong>*As of 2024-04-26, roughly
The card growth rate is extremely high.
My prediction is that bank transfers will disappear in the futureand it will become 6:4 or 7:3<\/span><\/strong>I think.<\/p>\n\n\n\n

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Customer feedback“Overwhelmingly convenient”<\/span><\/h2>\n\n\n\n


Our store typically handlespayments in the tens of thousands of yen<\/span><\/strong>.*Depending on what we’re doing<\/strong>
Having customers bring “tens of thousands of yen is risky“<\/strong>
People don’t want to carry that much = bank transfer<\/span><\/strong>might have been the reason.

Since people always carry cardsthere’s no accidental oversight<\/span><\/strong>either.
You also earn points with card paymentsso it’s a win-win<\/span><\/strong>maybe.<\/p>\n\n\n\n

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<\/p>\n\n\n\n

Benefits of paying by card<\/span><\/h2>\n\n\n\n

Credit card payments arewhere the credit card company temporarily advances the payment<\/strong>
“credit transactions”<\/span><\/strong>
The store doesn’t actually“receive payment from the person who made the transaction.”<\/span><\/strong>
Got it?<\/strong><\/span>

Even if you can’t pay now, you can pay later! Using credit = credit card transactions<\/strong>

For example
This month is tight, but I can manage the expense next month~<\/strong>*Getting help from your future self
The bill hit harder than expected~<\/strong>*Common project issues
You can even increase the payment installments later<\/strong>*Fees apply

You can adjust and reconsider your budget afterward.<\/span><\/strong>
*This won’t work for people living hand-to-mouth. Please use responsibly<\/strong>

You can request work without worrying about your budget<\/span><\/strong>.
This is huge.*With a card, your family won’t find out?<\/strong>That might be the case too… maybe.<\/p>\n\n\n\n

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<\/p>\n\n\n\n

Stores should maximize benefits beyond card processing fees<\/h2>\n\n\n\n

If you’re worried aboutthese card fees being so high~<\/span><\/strong>I’d saySTOP!<\/span><\/strong>.
Both stores and customers should benefit<\/strong>from“credit cards”<\/span><\/strong>
Just because you’ve implemented itdoesn’t mean there’s growth potential\u2014that’s risky.<\/strong>STOP! Hold on!
That said, it’s 3.25%… I don’t think it’ll ever be 100% card payments.
On 1 million yen, that’s 32,500 yen in fees…<\/strong>Whether that’s expensive depends on the person…
“Card processing fees\/fees”<\/strong>becomebusiness expenses<\/strong>so you’re not just losing money.

I think this depends on the industry
“Cards can be used = budget increases = sales grow = leads to more”<\/span><\/strong>
*Please use responsibly<\/strong>

Stores should be raising sales beyond what they pay in card fees… probably…
Orwe need to think about business going forward with card fees factored in<\/strong>.

I still haven’t fully masteredSQUARE<\/span><\/strong>yetbut it has amazing features.<\/span><\/strong>
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