What is different from "au WALLET"? The identity of the prepaid "Softbank card" - ITmedia Mobile

　Softbank Payment Service, Softbank Mobile, YJ Card, and T Point Japan announced on February 18th that the "Softbank Card" (2 designs) has more than 38 million Visas in Japan and overseas. You can also earn T points by paying with a prepaid card that can be used at participating stores.

You can also accumulate points.

　Softbank Payment Service is a Visa prepaid card issuance and settlement/remittance business, Softbank Mobile provides member acquisition and mobile phone linkage functions, T Point Japan is a point program, YJ Card is responsible for providing the auto-charge function.

　It will be provided to users of SoftBank mobile phones from March 6, but there are many points of concern, such as the details of the service and the differences from KDDI's electronic money "au WALLET". Let's check the questions one by one.

　The SoftBank Card can be used at more than 38 million Visa affiliated stores in Japan and overseas, and can also be used to pay for SoftBank mobile phone usage charges by concluding a credit contract as described below. Payment at the store is just like a credit card, handing the card to the store clerk, swiping it through the reader, and signing.

　Regular T card earns 1 point for 200 yen, but with Softbank card 2 points for 200 yen (1 point each for presenting T card and using payment), If you use the "Omakase Charge" function that deposits the amount of the payment exactly, you can earn 3 points for 200 yen (1 point for presenting the T card, 2 points for using the payment), so you can earn 3 times the points. For example, if the call charge for a mobile phone is 10,000 yen, you can earn 150 points instead of the usual 50 points.

　There are 5 ways to recharge, with different minimum/maximum deposit amount, unit of recharge amount, and how to accumulate T points. Details are below. In addition, we plan to sequentially offer a "cash advance charge" that charges from the cash advance limit set in the YJ Card credit account. The upper limit of the charge balance is 1 million yen. Charges from T points and Softbank Collective Payment can be operated from "My SoftBank", so you can deposit from your smartphone anytime, anywhere.

T Points

　The accumulated T points can be used at Visa affiliated stores. The charging unit is 100 points, and 85 yen is charged per 100 points.

Bank transfer

　A method of transferring money to a special account opened at Japan Net Bank when a SoftBank card is issued. Fees may be charged depending on the financial institution. The charge unit is 1 yen.

Account transfer

　How to transfer money between Japan Net Bank accounts. The charge unit is 1,000 yen and can be charged up to 10 times a month. There is no fee, but a bank account transfer contract is required for the first use.

Softbank Collective Payment

　The amount charged in advance will be paid together with the monthly mobile phone bill. The charge unit is 1,000 yen, and the charge amount at one time ranges from 4,000 yen to 10,000 yen.

Omakase charge

　This is a feature unique to SoftBank cards, and if the charge balance is insufficient when purchasing a product, only the insufficient amount will be automatically charged. The appropriated amount will be withdrawn from the bank account set at a later date. For users aged 18 and over, excluding high school students, application and screening are required. Even if you forget to charge the card and the balance is 0 yen, you can still shop like a credit card.

　The SoftBank Card is provided for SoftBank Mobile users, but even if you cancel the SoftBank mobile phone line, you can continue to use the SoftBank Card until the expiration date. The amount used will be deducted from the contracted bank account. With the provision of this service, MySoftBank, a page for members, will expand its functions so that users who have MNP to other carriers can continue to use it.

KDDI also offers a prepaid card and a credit card for electronic money "au WALLET", but the Softbank card can play both roles with one card by adding a charge function that can be used like credit. is a feature. Advantages over au WALLET include the ability to make transfers from bank accounts other than Jibun Bank, the ability to transfer money to other SoftBank cards and financial institution accounts, and the ability to withdraw cash from overseas ATMs. be done.

　The charge balance is divided into two types: "cash value" and "prepaid value". Each method and usage is different. Cash value is charged from bank transfers, account transfers, and cash advances scheduled to be provided at a later date, and can be used for shopping payments, remittances to financial institution accounts, withdrawals from overseas ATMs, etc.

　Prepaid Value can be used for shopping payments and remittances to other SoftBank card users by charging T Points, SoftBank Collective Payment, and Omakase Charge. In addition, when paying for shopping, the prepaid value is used preferentially, and when the balance reaches 0, the cash value balance is applied.

Mr. Kazuya Sakakibara, General Manager of SoftBank Payment Service Business Planning Department, is a non-regular employee. He points out that the credit card ownership rate is also on the decline due to the increase in the number of people and the decline in annual income. At the same time, since cash payments are still the mainstream, the aim is to promote the mobile payment market with Visa compatible prepaid cards that do not require screening. There are no annual membership fees, membership fees, fees, etc., and although there is a review, if you can use the Omakase charge function, you can shop without worrying about the balance.

　SoftBank cards can be used not only for remittances between individuals, but also for remittances from companies to individuals. You can also send your pocket money. Softbank may use it as a means of returning cash to users in the upcoming spring sales cashback war.

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