モバイル決済

暑い日々が続いていますね。

実家はエアコンがないので、耐えられないときは図書館か、カフェか、‥諦めるか

という選択です。

産休に入りとてつもなく暇でして、

大人の中学数学復習ドリル

なんぞを本屋で買ってやってみましたが、職業柄電卓に頼りきりの生活の中、筆算にイラついてしまいます‥計算ミス多発。電卓様様です。

ルート√とか、図形の相似とか‥

将来使うことあるのかなぁと思いながらも漫然と過ごしてきましたが、やっぱり使いませんでしたよ。

単に結果論なので、今中学生の私に会ったなら、やっぱりとりあえずやっとけって言いますが。

そして公文式に行け。

高校数学で躓くから。

高校の数学の成績が良かったら、会計士にはなってなかったかもなぁとも思います。

さて、暇ついでに携帯決済サービスをいくつかDLして試してみました。

モバイルSuicaとLINE Payは以前から使っていたので、

PayPayとメルペイをDLしてみました。

個人的な使い易さの感想としては、

モバイルSuica>メルペイ>LINE Pay>PayPay

です。

Suicaはモバイルでなくとも使いやすい。交通機関含め大抵どこでも使えますもんね。

メルペイは、メルカリをやってる人はメルカリの売上金額をそのままお買い物に使えるということと、iDと連携しているのでiDが使える店舗ではメルペイが使えるというのがとてもよい。使い勝手がいいです。

iDが使える店舗はかなりあって、AEONやヨーカドーなんかでも使えます。

AEONでWAON以外のカード出すと漏れなく手書きのサインを求められることが多いですが、iD経由のメルペイならそれもなしです。

やっぱりどれだけ多くの店舗で使えるかの利便性が使い易さの基準だと感じます。

メルペイは後払い機能があって、これはクレジットカードとほぼ同じ決済方法です。

自分で事前に設定した金額までメルペイでお買い物をして、翌月に銀行から利用分が引き落とされる仕組みです。いちいちチャージする必要がないのはとても簡単。

LINE Payは現物のLINEカード(JCBデビッドカード。銀行やコンビニからチャージした分だけ使える)があるので、クレジットカードとしてのお買い物も可能です。

携帯のLINE Payに銀行口座から直接チャージしても、LINEカードにコンビニからチャージしても、両方ともLINE Payとして、合算された残高がカードでも携帯でも共通の使用可能残高です。

よってLINE Pay対象外の店舗であっても、JCBのクレジットカードが使える店舗であればLINEカードで支払えば、LINE Payで支払ったと同じです。

PayPayは一時期盛り上がっていたポイント還元キャンペーンを逃したので今のところあまり魅力を感じてないのと、普及はしてるんですが普段の生活で使えるところが限られているような気がして、DLだけして使ってません。

使える店舗のメインがコンビニと電器屋、あとは小規模の飲食店や美容院なんかが多いです。

大手ドラッグストアやスーパーでの普及が進めばもっといいのかなと思います。

PayPayはソフトバンクが出資しているので、ソフトバンク携帯ユーザーはPayPayでのお買い物はソフトバンクまとめて支払いとして携帯料金と合算で口座引き落としを選択できます。

ソフトバンクの人はチャージが簡単で使いやすいかもです。

実家の父は今もガラケーなのですが、電子決済には興味津々でそろそろ流石にスマホデビューしようかと目論んでいる一方、

スマホユーザーの母の方は

そういうのってセキュリティ怖くないの?

と聞いてきますが、

まぁ‥7payの事例もありますし完全に信じ切ってはないけど、とりあえず面白いし便利だからやってみてはいかがかなと。

銀行連携しないSuicaとLINEカード(コンビニチャージ方式)は一番安心して始められるかもしれません。

これからお盆休暇もありますし、娘息子から教えてもらうもよし、

この夏はクレジットカード以外の電子決済サービスデビューをしてみるのも刺激があっていいかもしれません。

これからは会社経費もモバイル決済という時代なんだと思いますが、今のところモバイル決済の内容を電子請求書形式で保管できるようなサービスは無いようなので、

モバイル決済で立替経費なんて場合には紙のレシートをどうか保管よろしくお願いします‥。

モバイル決済の上に電子請求書形式でレシート発行不要、ここまでできたら凄くいいと思います。どこかやってくれないでしょうかね。

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