Paypalは本社シンガポールの決済代行業者ですが、現在海外からの決済に利用しています。
現地通貨にすべてではないですが対応している点が主な理由ですが、決済手数料と海外通貨の日本円への為替手数料を天引きされた金額が入金されます。
初めての決済では、入金金額が表示されるのですが「資金保留」状態が長く続き「資金移動」に何十日も待つ必要があります。
これは消費者保護の対策だそうですが、購入者が「異議申請」をしたら「資金保留」状態の場合には決済無効となり全額返金されてしまう期間を長く設定してあるためと思います。
何度かスムーズな決済を繰り返し「異議申請」が出されない実績ができると、入金後にすぐに資金を自分の口座に移動できるようになります。
その他、関税申請書類として提出する「支払い証明書」（Paypalでは支払い受領書）のフォーマットも出力出来ます。
Stripeも決済に使えるか検討したのですが、対応通貨が日本でアカウントを取得すると日本円のみでの使用なので海外の購入者に日本円で請求しても混乱を招くので止めました。
PayPal is a payment processing company headquartered in Singapore, and I currently use it for receiving payments from overseas customers.
The main reason is that it supports multiple local currencies, though not all. However, PayPal deducts transaction fees and currency conversion fees (when converting foreign currencies to Japanese yen) before depositing the funds into my account.
For the first transaction, although the payment amount was displayed, the funds were held in a "Pending" status for a long time, and I had to wait many days before I could "Transfer" the funds.
This is reportedly part of PayPal’s consumer protection policy. If a buyer files a "Dispute" while the payment is still on hold, the transaction may be canceled and the full amount refunded to the buyer. This long holding period is likely intended to accommodate such situations.
After completing several transactions smoothly and without any disputes, the system begins to allow instant transfers of funds to your bank account once payments are received.
Additionally, PayPal allows you to generate a formatted Payment Receipt, which can be submitted as proof of payment for customs declarations and other documentation purposes.
I also considered using Stripe for payment processing. However, when registering an account in Japan, the supported currency is limited to Japanese yen. Charging international customers in yen could lead to confusion, so I decided not to use it.
