To our business partners,

To all of our business partners with whom we have online credit card usage agreements,
This is an important notice regarding the threat of Credit Master (*Cremas) and the need for countermeasures.

Cremas is a method of fraudulent transactions by criminals,
It is a method of identifying fraudulent credit card numbers by testing all credit card numbers in a brute force fashion.

For more information on Cremas and its effective countermeasures, please refer to the article on our website.
We hope you will take the time to read it.

What is the rapidly increasing number of Credit Master Attacks? Explanation of Damage to Businesses and Countermeasures
https://www.sbpayment.jp/support/ec/creditattack/


We have seen an increase in the number of cases of merchants in Japan being targeted by creditmasters over the past few years.
Your business partners may also be a target of this attack.

If a CREMAS outbreak occurs, your business partners may also be subject to the following damage and loss.
The following damage and losses may be incurred by our trading partners.

Normal settlement is interfered with due to a large number of transactions.
Chargebacks due to unauthorized transactions by CREMAS
Charges for expenses incurred by CREMAS
Penalty of suspension of payment from international brands

In order to avoid such damage, it is necessary for all of our business partners to take appropriate measures.

In addition, from October 2023, for the purpose of improving the security of credit card information,
At the request of the Ministry of Economy, Trade and Industry and the Japan Credit Association, an authorized installment sales association,
In addition, in order to improve the security of credit card information, the Ministry of Economy, Trade and Industry (METI) and the Japan Credit Association, an authorized installment sales association, have requested that merchants take measures to prevent credit card fraud when introducing credit card payments to their EC sites.
Therefore, merchants with existing credit card payment systems will also be required to take the same measures in the future.


We provide a service to help merchants to prevent credit card fraud.
We hope that you will consider using our anti-Kremas service to minimize the damage caused by Kremas.

For more information about the introduction of anti-claims services, please contact us,
If you are a business partner contracted through an EC cart or EC platform provider, please contact the provider.
For those customers who are directly handled by our sales staff, please contact our sales staff.


Anti-claims services we provide
1) Identity authentication service (EMV 3-D Secure)
https://www.sbpayment.jp/service/method/3d/

AI Fraud Detection
https://www.sbpayment.jp/solution/security/ai_fraud_detection/


Countermeasures against Cremas are extremely important to protect the trust of our business partners.
We would like to ask all of our business partners to take sufficient precautions and consider countermeasures against the threat of Cremas.

If you have any questions or concerns, please do not hesitate to contact us.

We appreciate your continued support and cooperation.

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SB Payment Services Corporation
SBPS merchant support
Contact form: https://support.sbpayment.jp/contact/
Support website: https://support.sbpayment.jp/
TEL: 03-5776-7019
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