APIドキュメントに書いていない決済についてエンジニアが知っておくべき10のこと

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"1*υΩϡϝϯτʹ͸ॻ͍ͯͳ͍  ܾࡁʹ͍ͭͯΤϯδχΞ͕஌Δ΂͖  ͷ͜ͱ Ryo Sato  Mitene Team, mixi, Inc. May 20th, 2019 10 things engineers should know about online payments

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ࣗݾ঺հ

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6OJYΤϯδχΞ ϕϯνϟʔ$50 ্৔اۀ໾һ εϚϗΞϓϦ$00 ΈͯͶ ͳ·͑ ͞ͱ͏Γΐ͏ ͠ΐͧ͘ ΈͯͶࣄۀ෦#J[%FWɾ$4άϧʔϓϚωʔδϟʔ ͠͝ͱ ٕज़ܥόοΫάϥ΢ϯυͷԿͰ΋԰ ύιίϯগ೥

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ܾࡁͷઐ໳ՈͰ͸ͳ͍͚Ͳ  ܾࡁʹ͍ͭͯܦݧͨ͜͠ͱΛ ࿩ͯ͠Έ·͢

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ΦϯϥΠϯܾࡁͷछྨͱൺֱ

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ΠϯλʔωοτͰߪೖ͢Δࡍͷܾࡁํ๏ʢ૯຿ল)௨৴ར༻ಈ޲ௐࠪʣ ࠃ಺ͷΦϯϥΠϯܾࡁར༻ಈ޲

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ओͳܾࡁखஈͱൺֱ

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ʮΈͯͶʯͰಋೖ͍ͯ͠Δܾࡁ

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ΫϨΧۀքͷߏ଄

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ΫϨδοτΧʔυۀքͷߏ଄ ϒϥϯυϗϧμ ΞΫϫΠΞϥ ΠγϡΞ ܾࡁ୅ߦձࣾ Χʔυϗϧμ ΞϥΠΞϯε  ܖ໿ ΞϥΠΞϯε  ܖ໿ แׅ୅ཧ  ܖ໿ Ճໍళ  ܖ໿ Χʔυར༻ن໿ ചങܖ໿ Ճໍళͷ  ֫ಘͱ؅ཧ Χʔυൃߦ  ར༻ऀ֫ಘ ʢՃໍళܖ໿ʣ Ϛʔνϟϯτ  ʢՃໍళʣ ఏܞઌ ࠃࡍ  ܾࡁαʔϏε ʢఏܞܖ໿ʣ ಠࣗͷར༻ऀ  αʔϏε 7*4" .BTUFS$BSE +$# "NFSJDBO  &YQSFTT %JOFST ࿆ۜ

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ܾࡁ୅ߦձࣾͱ͸Կऀ͔

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ܾࡁ୅ߦձࣾͷ໾ׂ ϒϥϯυϗϧμ ΞΫϫΠΞϥ ܾࡁ୅ߦձࣾ ΞϥΠΞϯε  ܖ໿ แׅ୅ཧ  ܖ໿ Ճໍళ  ܖ໿ ʢՃໍళܖ໿ʣ Ϛʔνϟϯτ  ʢՃໍళʣ ɾแׅՃໍܖ໿Λఏڙ ɹ!Χʔυϒϥϯυ΍ΞΫϫΠΞϥ͝ͱʹܖ໿ɾ৹ࠪΛड͚ͳͯ͘Α͍ ɹ!৚݅ަবɺ৹ࠪରԠͳͲΛҰݩԽ ɾγεςϜͷఏڙ ɹ!ಉҰΠϯλϑΣʔεͰෳ਺Χʔυʢ΍ଞͷܾࡁखஈʣʹରԠ ɹ!ӡ༻؅ཧͷҰݩԽ 7*4" .BTUFS$BSE +$# "NFSJDBO  &YQSFTT %JOFST ࿆ۜ

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ΫϨΧͷ͓ۚͷྲྀΕͱख਺ྉ

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͓ۚͷྲྀΕͱख਺ྉ ϒϥϯυϗϧμ ΞΫϫΠΞϥ ΠγϡΞ ܾࡁ୅ߦձࣾ Ϛʔνϟϯτ  ʢՃໍళʣ Χʔυϗϧμ ച্ ར༻ྉҾ͖མͱ͠ ߪೖ ఏڙ Ճໍళख਺ྉ  ʢܾࡁख਺ྉʣ Ճໍళख਺ྉ ख਺ྉ ʢϒϥϯυϑΟʔʣ ख਺ྉɹɹɹɹ ʢΠγϡΞϑΟʔʣ ച্ ച্ Χʔυ೥ձඅ  ෼ׂख਺ྉ ച্ ఏܞઌ ʢख਺ྉʣ 7*4" .BTUFS$BSE +$# "NFSJDBO  &YQSFTT %JOFST ࿆ۜ

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νϟʔδόοΫͷϦεΫ

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νϟʔδόοΫͷϦεΫ ɾෆਖ਼ར༻ͷϦεΫ͸Ճໍళ͕ෛ͍ͬͯΔ ɹ!Χʔυॴ༗ऀ͕ར༻ঝೝ͠ͳ͍৔߹ʢෆਖ਼ར༻ɾ঎඼ະ౸ணͳͲʣ  ɹɹΧʔυձ͔ࣾΒʮར༻রձʯ͕ಧ͘ ɾνϟʔδόοΫ ɹ!ར༻রձͷ݁Ռɺར༻ঝೝ͞Εͳ͍ʢΧʔυॴ༗ऀʹࢧ෷͍ҙࢥ͕ͳ͍ʣ৔߹ɺɹɹ ɹɹ౰֘ച্͸Ϛʔνϟϯτʹೖۚ͞Εͳ͍ ɹ!ෆਖ਼ར༻ͷ৔߹ɺ঎඼Λൃૹ্ͨ͠Ͱɺೖ͕ۚͳ͍ͱ͍͏Մೳੑ͕͋Δ

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νϟʔδόοΫΛ๷ࢭ͢Δʹ͸ ɾෆਖ਼ར༻ͷ๷ࢭํ๏ ɹ!$7$ʢηΩϡϦςΟίʔυʣʹΑΔνΣοΫ ɹ!༣ศ൪߸ͳͲʹΑΔνΣοΫ ɹ!%ηΩϡΞ ɹ!ܾࡁ୅ߦձ͕ࣾఏڙ͢Δ༷ʑͳ๷ࢭࡦʢ4USJQF3BEBSͳͲʣ ɹ!ݫ͘͢͠Δ΄ͲɺΧΰམͪͷϦεΫ͕ߴ·Δ ɾʮΈͯͶʯͰ͸ʜ ɹ!ΧΰམͪΛݒ೦ͯ͠ɺҎલ͸Χʔυ൪߸ͷΈ ɹ!ւ֎޲͚ൢചΛελʔτ͢Δ࣌఺Ͱɺ$7$Λ௥Ճ ɹ!ϓϦϯτ঎඼͸ΦʔμʔϝΠυͰసചϦεΫ͕௿͍

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σϏοτΧʔυͷམͱ݀͠

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σϏοτΧʔυܾࡁͷಛ௃ !ۜߦޱ࠲͕͋Ε͹৹ࠪෆཁͰ࡞ΕΔ ɹʢະ੒೥Ͱ΋ࡀҎ্Ͱޱ࠲։ઃՄೳʣ !ۜߦ͔Βͷଈ࣌Ҿ͖མͱ͠ͷͨΊɺ༩৴ෆཁɾۚརෆཁ !ݶ౓ֹ͕ͳ͍ʢ࢒ߴ͍ͩ͠ʣ

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σϏοτΧʔυͷछྨ ɾ+%FCJU ɹ!࣮ళฮͷઐ༻୺຤͔ΒۜߦΩϟογϡΧʔυͰࢧ෷͍ ɹ!Ճໍళख਺ྉ͕ඇৗʹ͍҆ ɹ!ΫϨΧະಋೖͰ΋ɺ+%FCJUΛಋೖέʔε͕͋Δʢ࠷ۙ͸23ܾࡁʹྲྀΕ͍ͯΔʣ ɹ!ΦϯϥΠϯͰܾࡁͰ͖ͳ͍ ɾϒϥϯυσϏοτ ɹ!ΫϨδοτΧʔυͷࠃࡍϒϥϯυͷܾࡁγεςϜΛ࢖༻ ɹ!7*4"+$#ͳͲͷՃໍళͰ࢖͑Δ ɹ!ΦϯϥΠϯͰ΋ܾࡁͰ͖Δ ɹ!ΠγϡΞ͸ۜߦͷΈ ɹ!Ճໍళ͔ΒݟΔͱΫϨδοτΧʔυͱ۠ผ͕͔ͭͳ͍ʢख਺ྉ΋ಉҰʣ

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σϏοτΧʔυͷམͱ݀͠ ɾΦʔιϦ࣌ʹҾ͖མͱ͠͞ΕΔ ɹ!ԁʢʣͷ৔߹ͱɺશֹͷ৔߹͕͋Δ ɹ!ΦʔιϦظݶ੾Ε΍ܾࡁΛΩϟϯηϧͯ͠΋ɺଈ࣌ฦۚ͞Εͳ͍ ɾೋॏ՝ۚͷϦεΫ͕͋Δ ɹ!ΦʔιϦ࣌՝ۚͷ͋ͱɺച্֬ఆ࣌ʹ࠶՝ۚ͞ΕΔ৔߹͕͋Δ ɾҾ͖མͱ͠΍ฦۚͷλΠϛϯά͕ΠγϡΞʹΑͬͯશવҟͳΔ ɹ!ΦʔιϦ࣌ͷҾམֹɺΩϟϯηϧ࣌ͷฦۚλΠϛϯά౳͕ΠγϡΞʹΑͬͯશવҧ͏ ɹ!ฦۚॲཧʹ೔͘Β͍͔͔Δ৔߹͕͋Δ ސ٬͔ΒͷΫϨʔϜ΋ଟ͍͕ɺϒϥϯυσϏοτ͚ͩΛআ֎͢Δ͜ͱ͸ෆՄೳ  ʢՃໍళ͔ΒݟΔͱΫϨδοτΧʔυͱಉ͡ʹݟ͑Δʣ

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ւ֎ΫϨδοτܾࡁͷ࢓૊Έ

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ւ֎Ͱ೔ຊԁͷΫϨΧΛ࢖͏ͱʜ χϡʔϤʔΫͰ γϣοϐϯά 64%+1: ҝସϨʔτ ࣮ࡍͷ Χʔυ੥ٻֹ ԁ Χʔυϒϥϯυ͝ͱʹ  ॴఆͷҝସϨʔτ͕͋Δ ͜͜Ͱ͸ԁ૝ఆ ҝସม׵ख਺ྉ 7. ԁ ళฮͷߪೖֹ

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ւ֎Ͱ೔ຊԁͷΫϨΧΛ࢖͏ͱʜ χϡʔϤʔΫͰ γϣοϐϯά 64%+1: ҝସϨʔτ ࣮ࡍͷ Χʔυ੥ٻֹ ԁ Χʔυϒϥϯυ͝ͱʹ  ॴఆͷҝସϨʔτ͕͋Δ ͜͜Ͱ͸ԁ૝ఆ ҝସม׵ख਺ྉ 7. ԁ ళฮͷߪೖֹ ҝସϦεΫͱҝସख਺ྉ͸ɺ Χʔυॴ༗ऀʢސ٬ʣෛ୲

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ଟ௨՟ରԠͷΫϨδοτܾࡁΛఏڙ͢Δ

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4USJQFͷଟ௨՟ܾࡁ !Ҏ্ͷ௨՟ʹରԠ !֤ࠃ௨՟ݐͰച্ܭ্ɺग़ۚՄೳ !೔ຊԁͷޱ࠲ʹৼΓࠐΉ৔߹ʹ͸ɺҝସख਺ྉ !ҝସϨʔτ͸'03&9ͷEBJMZNJENBSLFUSBUFద༻

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*"1*"#ͷଟ௨՟ܾࡁ

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αϒεΫϦϓγϣϯͷ֤ࠃՁ֨ جֹ͔࣠ۚΒ"QQMF(PPHMF͕ҝସϨʔτʹԠͯ͡ɺࣗಈ׵ࢉͯ͘͠ΕΔ 64% $), ,㶜 64% 58%/5 58%/5 ࠃผʹֹۚΛௐ੔͢Δ͜ͱ΋Մೳ ࣗಈ׵ࢉ खಈઃఆ

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ؾΛ͚ͭΔͱΑ͍͜ͱ !ࣗಈ׵ࢉ͸ศར͕ͩɺ"QQMF(PPHMFͰ݁Ռ͕ҟͳΔ৔߹͕͋Δ !ݱ஍ͷߪങྗʹԠͨ͡Ձ֨ௐ੔͕ඞཁ͔ߟྀ͢Δ !"QQMF͸௨՟ʹΑͬͯઃఆͰ͖ΔϓϥΠεϙΠϯτ͕ܾ·͍ͬͯΔ 4,900 5,000 5,500 5,900 6,000 KRW 400 450 480 500 550 JPY 319 349 369 389 399 INR

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֤ࠃʹΑͬͯҟͳΔܾࡁखஈ

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͓ࠃࣄ৘͍Ζ͍Ζ ੈքతʹݟΕ͹ɺΦϯϥΠϯܾࡁͷୈҰબ୒ࢶ͸ΫϨδοτΧʔυ͕ͩʜ !ΫϨΧେࠃΞϝϦΧͰ΋ɺ࠷ۙσϏοτ͕ܾࡁֹۚϕʔεͰ࠷ଟʹͳͬͨ !੢ϤʔϩούͰ͸ࠃࡍϒϥϯυͷΫϨΧܾࡁΑΓɺ1BZ1BMͳͲͷσδλϧ΢ΥϨοτ  ɹͷγΣΞ͕ߴ͍ !υΠπ͸ݱۚओٛͰɺετΞΧʔυʢϓϦϖΠυʣͷར༻ൺ཰͕ߴ͍ !Φϥϯμ͸ಠࣗͷΦϯϥΠϯܾࡁJ%FBM͕࠷΋࢖ΘΕ͍ͯΔʢܾࡁγΣΞ௒ʣ !தࠃͰ͸࿆ۜΧʔυҰ୒͕ͩɺ࣮͸࿆ۜ΋େ൒͕σϏοτ

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