Companies that support all of the people that aims to First Penguin, Ltd. First Penguin (Head Office: Shibuya-ku, Tokyo, Representative Director, President and Chief Executive Officer CEO: Ichinokawa Tadashi, first penguin below), towards a tax increase of 2019, among the introduction of cashless settlement is expected to proceed more and more in the future, in the inter-company transactions of this time, "the main business model is small and medium-sized enterprises and the number of employees is less than 300 people BtoB of, survey on credit card settlement "the we performed. We will announce the survey results here.
※ main business model of BtoB and the number of employees is less than 300 people companies

■ survey results TOPICS
And medium-sized companies that have introduced the credit card settlement to claims between the companies
to one company and the low result in about 10 companies - Credit card transaction introduction of reason # 1 is "deterrence of uncollected risk"
- more than 40% led to business efficiency by introducing a credit card settlement between the company and answers
• In the credit card payment amount per transaction,
on the result of the use of for a small less than 100,000 yen more than 50% - about a quarter of the credit card payment is not a has introduced enterprise between the companies "did not know the credit card settlement services between the companies" and answers

[Survey Summary]
Survey period: October 2 to October 4, 2018
Survey agency: Rakuten Insight
Research targets: the main business model of BtoB and president of 500 people of small and medium-sized enterprises of less than Number of employees 300 people

Survey Results Summary
1.
to one company and the low result in small and medium-sized companies are about 10 companies that have introduced the credit card settlement to claims between the companies With respect to the main business model is president of small and medium-sized enterprises of BtoB and less than Number of employees 300 people across the country, "as the billing method between companies, do you have payment by credit card as well as the Ready." And I asked, "Yes" small and medium-sized companies that have already introduced a credit settlement of the respondents said was the result of 10.2%. In addition, "in transactions between companies, rather than by bank transfer, Have you ever performed to select the payment of the Corporate Card." And hear about the payment, indeed 82.0% have answered "no", 80% or more of the company is now clear that there is no that you have to pay with corporate card. In the BtoC, although in recent years is progressing movement to transition to cashless, you can see that you have not yet penetrated the introduction of electronic payments between companies.

2. Reason 1-position of the credit card settlement introduction of "deterrence of uncollected risk"
For the small and medium-sized companies that have introduced a billing credit card settlement between companies, and hear "Please answer that apply for the main reason for the introduction of credit card payment services in the business-to-business transactions.", 1 to 3 people 35.3% companies in the real more than the people became the results to answer the "deterrence of non-collection risk of accounts receivable". And later, "because from the recovery is fast bank transfer" (33.3%), followed by a reply such as "There is a small transaction number, because the billing management is complicated" (25.5%), for the purpose of suppressing the efficiency and cost of business in you ask the realities that have introduced. In addition, with respect to small and medium-sized enterprises there is that you have selected the corporate card to pay for business-to-business transactions, and hear "rather than a transfer, please answer that apply for the reasons for selecting the settlement in the corporate card.", Is 71.1% He responded that "for processing than the bank transfer is easy", even in the payment side, you can see that there is a use intended for the purpose of operational efficiency. In addition, 46.7% of the nearly half have answered "because the point is accumulated", including that it is scheduled to be system of point reduction in reduced tax rate due to the tax increase of 2019, & ldquo; point & rdquo; the user You can ask that that is a big advantage of.

responded that 3.4% or more led to business efficiency by introducing a credit card settlement of inter-company
For the small and medium-sized companies that have introduced a billing credit card settlement between companies, heard that "by introducing a credit card payment services in the business-to-business transactions & ldquo;; business efficiency & rdquo. Did you lead", 41.2 percent responded that led to operational efficiency, although still the introduction of the credit card payment less, after the introduction of the credit card settlement indeed more than 40% in transactions between companies, actually & ldquo; it is advanced; operational efficiency & rdquo we have come out the results that are now clear. The same, heard that "by introducing a credit card payment services in the business-to-business transactions & ldquo;; cost reduction & rdquo. Did you lead", responded that 31.4 percent led to cost savings, as well as operational efficiency, the actual it seems one company of about 3 minutes by the introduction of the credit card settlement is realize that led to cost savings.

4. In the credit card payment amount per transaction, the result of the use of for a small less than 100,000 yen more than 50%
In addition, as the actual use of credit card payment in the business-to-business transactions, the major amount of money band one per transaction, which is doing "actually a credit card payment for small and medium-sized companies that have introduced the credit card settlement to claims between the companies When the questions and please choose. ", of more than half, we found that indeed 51.0% are using a credit card payment in the amount band of mainly less than 100,000 yen. The companies that are using the credit card settlement to the inter-company transactions, can ask is that you use a lot of credit card payment in small transactions, especially less than 100,000 yen.

5. About a quarter of the credit card payment is not a has introduced enterprise between the companies responded that "did not know the credit card settlement services between the companies"
For the small and medium-sized companies that do not introduce a credit card settlement to claims between the companies, and hear "Please answer that apply for the main reason you have not introduced a credit card payment in the business-to-business transactions.", Is 23.4% result in the answer and "did not know the credit card settlement services between companies", the migration of cashless and electronic payment while the government is also to promote, the companies that do not have introduced a credit card settlement of inter-company about a quarter of 1, the first place itself & ldquo that there is a credit card payment services in the business-to-business transactions; do not know & rdquo; situation that is now clear.

2019 years of cashless of movement going toward the tax increase

The extraordinary cabinet meeting was held in10 May 15, the government's policy of consumption tax from 10 May 2019 raise to 10% became apparent. Among them, in the retail store, in the case where the cashless settlement in the QR code by credit card and smart phones, of which the reduction of 2% in the points, also a mechanism that the minute government aid is introduced It was announced. For B to C area, while you are also seen movement of migration in Japan you do not progressed cashless compared to other countries, the introduction of credit card payment in the business-to-business transactions (BtoB), it's not going quite It is status quo.
From the results of the survey on credit card settlement in between this time of corporate transactions, it has emerged, such as actual use and issues of credit card payment in the business-to-business transactions. The introduction of a credit card payment in the business-to-business transactions, while there are barriers such as fees, in the small of the transaction, we and efficiency of the complicated business, the answer from the adopters, such as leading to a reduction of costs obtained It was. In addition, for the payment side, that is requesting side not introduced, the first place it has become a cause of which use is not going as well that there is no credit card to the choices of payment, that go the future, it is being introduced , in business-to-business transactions & ldquo; cashless & rdquo; also seems to be going more spread.

First Penguin, Japan also supports the unique business practices, a wide variety of third-party payment services of global standards that are blessed with support system " AQUAGATES (AQUAGATES) "and was set to be introduced easily settlement in the URL settlement" SWIFTPASS offers". In particular, " SWIFTPASS", the commission rate has become a 5.0% + 40 yen, one maximum amount per transaction also and 300,000 yen, have a high level of convenience in transactions between companies. In the first penguin, focused on the settlement of the problems that exist in Japan, so as to be optimal clearing services for more operators and users, we will strive to expand and improve services in the future.

Inquiries about the service
AQUAGATES service site:https://en.aqua-gates.com/
SWIFTPASS service site: https://swiftpass.aqua-gates.com/
TEL: 03-6630-4973 (10: 00~18: 30)
Email (corporate sales): sales@aqua-gates.com
E-mail (user support): support@aqua-gates.com

■ About First Penguin Co., Ltd.

We are listed in philosophy "to support all the people who aim to First Penguin", is continue to pursue new things companies. Looking forward to the work, so that grow human resources that can contribute to society, providing environment a and Challenge system we are actively.
Company Name:First Penguin Co., Ltd.
Location: Shibuya-ku, Tokyo Yoyogi 1-35-4 Yoyogi Crystal Building 5th floor
Founded: August 8, 2006
Capital: 15 million yen
Representative: Ichinokawa Tadashi
Business: Web services business, advertising sales, content production and sales, various media management, payment service business, recruitment business, etc.
URL: http://first-penguin.co.jp/