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決済する

B1 verb #3,500 よく出る 10分で読める

決済する

kessai suru 上位3,500

練習する例文メモとヒント 決済する 30秒で

解説 決済する in your Level:

At the A1 level, you don't really need to use 'kessai suru' in your own speaking, but you will see it on signs. Think of it as a fancy way to say 'pay.' When you see a QR code at a shop, the word near it is likely '決済' (kessai). It simply means that the money part of the shopping is happening. If you are at a convenience store and the screen shows '決済完了' (kessai kanryou), it means 'Payment Done.' At this stage, just recognize that 'kessai' is related to money and paying at a store or on a website. You will mostly use 'harau' (pay) or 'kaimono' (shopping), but knowing 'kessai' helps you understand the buttons on Japanese websites like Amazon or Mercari. It's the 'Checkout' word. For example, if you see 'クレジットカードで決済' (kurejitto kaado de kessai), it means 'Pay with credit card.' It's a very useful 'reading' word for beginners who want to shop in Japan or use Japanese apps. Just remember: Kessai = Official Payment Process.

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At the A2 level, you should start to distinguish between 'harau' (to pay) and 'kessai suru' (to settle/process payment). You will hear this word more often as you use apps like PayPay or Suica. When you use a smartphone to pay, that is called 'sumaho kessai' (smartphone settlement). You might use it in a sentence like 'PayPayで決済します' (I will settle with PayPay). This sounds a bit more natural than just saying 'PayPayで払います' when you are talking about the technology itself. You'll also see it in travel contexts, like '現地決済' (genchi kessai), which means paying at the hotel instead of online. Understanding this word helps you navigate the many payment options in Japan. It’s also common in simple work tasks, like when a boss asks if a bill has been 'kessai' (settled). You don't need to use it in every sentence, but using it for digital or formal payments shows you are advancing in your vocabulary. It's specifically about the *transaction* being finished.

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At the B1 level, 'kessai suru' becomes a core part of your professional and functional vocabulary. You should be able to use it to describe various payment methods and processes. For instance, you might explain, 'このサイトでは、クレジットカードか銀行振込で決済できます' (On this site, you can settle via credit card or bank transfer). You are now moving beyond just 'buying things' to 'managing transactions.' This word is essential for discussing e-commerce, banking, and basic business operations. You should also understand the noun form '決済手段' (kessai shudan - payment methods) and be able to compare different ways of settling accounts. In a business meeting, if someone asks, '決済はどうしますか？' they are asking about the logistics of how the money will be moved and finalized. You should also be aware of the passive form '決済される' for automatic payments like subscriptions. This level requires you to understand the nuance of 'settlement finality'—that 'kessai' is the point where the deal is officially closed in the books.

At the B2 level, you should use 'kessai suru' with precision in business and financial contexts. You will encounter it in discussions about 'cashless' trends, financial technology (FinTech), and corporate accounting. You should be comfortable discussing '決済システム' (settlement systems) and the security of 'オンライン決済' (online settlement). At this level, you might use it to describe complex scenarios: '不正利用を防ぐために、二要素認証で決済する仕組みを導入した' (We introduced a mechanism to settle using two-factor authentication to prevent unauthorized use). You should also understand its usage in the stock market, where 'kessai' refers to closing out a position or realizing gains/losses. The distinction between 'kessai' (settlement) and 'seisan' (calculation/adjustment) should be clear in your mind. You will also see this word in legal terms and conditions, describing exactly when a contract is considered fulfilled through payment. Your ability to use 'kessai suru' correctly in a formal report or a business email is a key indicator of your professional Japanese proficiency.

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At the C1 level, you use 'kessai suru' in the context of high-level financial theory, legal frameworks, and macroeconomics. You will read about '決済の不履行' (settlement default) or '即時グロス決済' (Real-Time Gross Settlement - RTGS) in central banking reports. You should be able to discuss the implications of blockchain technology on '決済の透明性' (settlement transparency). In a corporate legal context, you might discuss the '決済完了の定義' (definition of settlement completion) within a complex cross-border merger. The word is no longer just about 'paying' but about the systemic movement of value and the legal discharge of obligations. You should also be familiar with the homophone '決裁' (kessai - executive approval) and ensure perfect accuracy in your writing, as confusing the two in a high-stakes business environment would be a significant error. You might use it in sentences like: '中央銀行のデジタル通貨が、既存の決済基盤をどのように変革するか議論されている' (It is being debated how central bank digital currencies will transform existing settlement infrastructures).

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At the C2 level, 'kessai suru' is a technical tool used in the most specialized environments. You are likely discussing the '決済システムのリスク管理' (risk management of settlement systems) or the '国際決済銀行' (Bank for International Settlements - BIS). You understand the deep nuances of 'settlement finality' and the systemic risks involved when large-scale transactions are not 'kessai'ed promptly. You can fluently navigate discussions on the '決済法' (Settlement Act) and how it applies to crypto-assets or decentralized finance (DeFi). In your speech and writing, 'kessai suru' is used with absolute precision to describe the clearing and settlement layers of the financial stack. You might analyze how '決済流動性' (settlement liquidity) affects market stability during a crisis. Your mastery includes the ability to use the word in academic papers or executive-level policy briefs, where the distinction between payment, clearing, and settlement is paramount. The word is a gateway to discussing the very plumbing of the global economy, and you use it with the authority of a native financial professional or legal expert.

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練習する例文メモとヒント

決済する 30秒で

決済する (kessai suru) is a formal verb meaning 'to settle' or 'to process a payment' in business and tech contexts.
It differs from the casual 'harau' (to pay) by focusing on the technical completion and finality of a transaction.
Commonly used for credit cards, QR codes, bank transfers, and online 'checkout' processes in modern Japanese society.
Essential for business Japanese, e-commerce navigation, and understanding digital payment systems in Japan's cashless economy.

The Japanese verb 決済する (kessai suru) is a sophisticated term primarily used in business, finance, and technology to describe the formal act of settling a debt or completing a financial transaction. While many beginners learn the word 払う (harau) for 'to pay,' 決済する refers specifically to the technical or administrative process of settlement. It encompasses the moment when the transfer of funds is finalized and the obligation is cleared. In the modern era, you will see this word everywhere in Japan—from the 'Checkout' button on Amazon Japan to the signs at convenience stores indicating which QR code payments are accepted.

Core Concept: The term consists of two kanji: 決 (ketsu) meaning 'to decide' or 'to fix,' and 済 (sai) meaning 'to finish' or 'to settle.' Together, they imply a definitive conclusion to a monetary exchange.

オンラインショップでクレジットカードを使って決済する。
(To settle the payment using a credit card at an online shop.)

In a professional context, 決済する is used when discussing accounting cycles, bank transfers, and corporate procurement. It is rarely used when paying a friend back for a coffee; in that case, you would use 払う (harau) or 返す (kaesu). However, if you are discussing the implementation of a new payment system in a store, 決済 (the noun form) is the standard terminology. The rise of 'Cashless' (キャッシュレス) society in Japan has made this word part of daily conversation, as people frequently talk about 決済手段 (kessai shudan) or 'means of settlement' like PayPay, Line Pay, or Suica.

Business Application: Used in B2B transactions to indicate that the clearing of accounts has occurred. It marks the transition from an accounts payable status to a completed transaction.

取引の最終段階として、銀行振込で決済する。
(To settle by bank transfer as the final stage of the transaction.)

Furthermore, the word is used in the stock market and financial trading. When a trader closes a position, they are 'settling' their trade, which is also referred to as 決済. This highlights the word's association with the 'finality' of a financial agreement. In the context of government or corporate hierarchy, a homophone 決裁 (also pronounced kessai) exists, which means 'approval by a superior.' Be careful not to confuse them in writing, though the verb 決済する always refers to the money side of things.

E-commerce Usage: Commonly found on checkout screens. '決済を完了する' (Complete the settlement) is the typical message after a successful purchase.

QRコードをスキャンして、瞬時に決済する。
(Scan the QR code and settle the payment instantly.)

外貨で決済する場合は、為替手数料がかかります。
(When settling in foreign currency, an exchange fee will be applied.)

Grammatically, 決済する is a 'Suru-verb' (Group 3). It follows standard conjugation patterns for suru-verbs: 決済します (polite), 決済した (past), 決済しない (negative). It is a transitive verb, meaning it often takes a direct object, usually the 'payment' or 'amount,' although it is frequently used with the 'method' of payment using the particle で (de).

Particle Usage: を (wo): Used when the object is the specific bill, amount, or transaction being settled. Example: '代金を決済する' (Settle the cost).

レジで代金を決済する。
(Settle the payment at the cash register.)

The particle で (de) is even more common because it specifies the 'instrument' or 'method' of the settlement. This is how you describe using technology or specific currencies to finalize a deal. Phrases like 'スマホで決済する' (settle via smartphone) or 'ビットコインで決済する' (settle with Bitcoin) are standard modern Japanese. This structure emphasizes the 'how' of the transaction process.

Particle Usage: で (de): Used to indicate the payment method. Example: '電子マネーで決済する' (Settle using electronic money).

給料日に家賃を決済する。
(Settle the rent on payday.)

In passive forms, 決済される (kessai sareru) is used to indicate that a payment has been processed automatically. For example, '毎月自動で決済されます' (It is settled automatically every month) is a common phrase in subscription service terms and conditions. This usage removes the focus from the person and puts it on the system's action. Conversely, the causative form 決済させる (kessai saseru) might be used in a business context where one party forces another to settle an account immediately.

Time Particles: までに (made ni): Used to indicate a deadline for settlement. Example: '明日までに決済してください' (Please settle by tomorrow).

注文後、3日以内に決済する必要があります。
(It is necessary to settle within 3 days after ordering.)

One nuance to remember is that 決済する is rarely used for very small, casual transactions between individuals. You wouldn't usually say '友達に100円を決済した' (I settled 100 yen to my friend). Instead, it implies a transaction involving a merchant, a financial institution, or a formal business entity. It carries a sense of 'clearing the books.' Using it in a casual context might make you sound like a robot or a very formal businessman, so stick to 払う (harau) for everyday errands.

このアプリを使えば、指紋認証で決済することができます。
(Using this app, you can settle the payment via fingerprint authentication.)

全ての未払い金を一括で決済する。
(To settle all outstanding payments in one lump sum.)

In modern Japan, 決済する is a word you will encounter daily, though often in its noun form (決済) or as part of a digital interface. If you are standing at a checkout counter in a Lawson or 7-Eleven, you might see a screen asking you to select your '決済方法' (kessai houhou - payment method). The clerk might say, 'こちらで決済してください' (Please settle/complete payment here) while gesturing to the card reader. It is the language of the 'transaction point.'

In the Office: Accountants and office workers use this when discussing monthly closings. You'll hear phrases like '今月分の決済は終わりましたか？' (Has this month's settlement been finished?).

経理部が請求書を決済する。
(The accounting department settles the invoice.)

On the internet, this word is the standard for 'checkout.' When you are buying a game on the Nintendo eShop or clothes on Uniqlo's website, the final button is often labeled '決済' or '決済を確定する' (Confirm settlement). If a transaction fails due to a credit card error, the error message will likely say '決済に失敗しました' (Settlement failed). Because of this, even Japanese children are becoming familiar with the word as they navigate digital spending.

News and Media: Financial news frequently uses 'kessai' when discussing national trends, such as 'キャッシュレス決済の普及' (The spread of cashless settlement).

最新のシステムでスピーディーに決済する。
(To settle speedily with the latest system.)

Stock market reports also use it. When an investor sells their shares to realize a profit or loss, they are 'kessai'ing their position. You'll hear analysts say '利益確定の決済が広がった' (Settlements to lock in profits have spread). This reinforces the idea that 決済する is about closing a financial loop. It’s also common in legal contexts, such as the settlement of estates or large-scale debt restructuring where 'harau' would be too simplistic for the legal gravity of the situation.

Travel and Booking: When booking a hotel in Japan, you'll see '現地決済' (genchi kessai - settle on-site) versus '事前決済' (jizen kessai - settle in advance).

ホテルのフロントでチェックアウト時に決済する。
(To settle at the hotel front desk during checkout.)

公共料金をコンビニで決済する。
(To settle utility bills at a convenience store.)

決済端末が故障しているため、現金で決済する。
(Settle with cash because the settlement terminal is broken.)

One of the most frequent mistakes learners make is overusing 決済する in casual situations. Because it sounds 'professional,' students often think it's a better version of 払う (harau). However, using it to say 'I'll pay for the ramen' (ラーメンを決済する) sounds incredibly odd—almost as if you are treating your friend like a merchant and the ramen like a corporate asset. Stick to 払う for everyday spending.

Mistake 1: Casual Overuse: Incorrect: 友達に借りたお金を決済した。
Correct: 友達に借りたお金を返した (kaeshita - returned) or 払った (haratta - paid).

Incorrect: コンビニでパンを決済する。
(While technically possible, 'コンビニでパンを買う/払う' is much more natural for a person.)

Another common pitfall is confusing 決済 (kessai - settlement) with 決裁 (kessai - executive approval). While they sound identical, they use different kanji. 決裁 (approval) is what a boss does when they sign a document. 決済 (settlement) is what the cashier or the bank does. If you are writing an email in a Japanese company, using the wrong kanji can lead to significant confusion. One is about money; the other is about permission.

Mistake 2: Confusing with 'Seisan': Learners often confuse 'kessai' with 'seisan' (精算). 'Seisan' is for calculating and adjusting the final amount, like splitting a bill or adjusting train fare. 'Kessai' is the final act of payment processing.

Incorrect: 飲み会の代金を決済する。
(Better: 飲み会の代金を精算する - Settle/split the drinking party bill.)

Lastly, some learners forget that 決済する is a transitive verb that typically requires a method or an object. You don't just 'kessai' into the void; you settle a specific debt or settle *via* a specific medium. Using it without context can make the sentence feel incomplete. Also, note that while 'pay' in English can be used for 'pay attention,' 決済する is strictly financial. You cannot 'kessai attention' in Japanese!

Mistake 3: Wrong Collocations: Don't use 'kessai' for non-monetary settlements. For example, settling a dispute or an argument is '解決する' (kaiketsu suru), not '決済する'.

Incorrect: 喧嘩を決済する。
(Correct: 喧嘩を解決する - Resolve a fight.)

Incorrect: 給料を決済する。
(Better: 給料を支払う - Pay salary. 'Kessai' is for the transaction, 'shiharau' is for the act of paying the employee.)

Japanese has many words for 'payment' and 'settlement,' and choosing the right one depends entirely on the context and the level of formality. Understanding these nuances will make your Japanese sound much more natural and precise. 決済する is the most technical among them, but let's look at the alternatives.

払う (Harau) vs. 決済する: 払う is the everyday, general word for 'to pay.' It is used for cash, physical acts, and casual settings. 決済する is the backend process, the digital completion, and the formal business term.

現金で払う (Pay with cash) vs. システムで決済する (Settle via system).

Another important word is 支払う (Shiharau). This is the formal version of 払う. You will see this on invoices and in contracts. While 決済する refers to the completion/settlement of the transaction, 支払う refers to the act of giving the money. In many business situations, they are interchangeable, but 決済 has a stronger nuance of 'clearing' or 'finalizing' the financial record.

精算する (Seisan suru): This means 'to calculate and settle.' It's used when you need to figure out the final amount first. Common for business trip expenses (経費精算) or splitting a dinner bill with friends.

交通費を精算してから、残金を決済する。
(After calculating/settling travel expenses, settle the remaining balance.)

Then there is 納入する (Nounyuu suru). This is specifically used for 'paying' taxes, insurance premiums, or delivering goods that have been paid for. It implies fulfilling a duty or a recurring obligation to a larger entity like the government. You wouldn't use 'kessai' for paying your taxes; 'nounyuu' or 'nouzei' is the correct term. Similarly, 振り込む (Furikomu) refers specifically to the act of 'transferring' money via a bank account, which is one way to 決済する.

会計 (Kaikei): Often used as 'Check, please!' in restaurants. 'お会計お願いします' (O-kaikei onegaishimasu). You don't say 'Kessai onegaishimasu' at a table.

レジでお会計を済ませ、電子マネーで決済する。
(Complete the check at the register and settle via e-money.)

月末の振込で、一括決済するのが通例です。
(It is customary to settle in a lump sum via bank transfer at the end of the month.)

How Formal Is It?

豆知識

While 'kessai' feels modern due to digital apps, the term has been used in accounting and law since the Meiji era as Japan modernized its banking system.

発音ガイド

UK kɛs-sa-i sɯ-ɾɯ

US kes-sa-i su-ru

KessAI (Pitch accent usually falls on 'sai' in Tokyo dialect, but often heard as flat in 'suru' compounds).

韻が合う語

Meisai (specification) Keisai (publishing) Teisai (appearance) Jaisai (this festival) Seisai (sanctions) Gensai (tax reduction) Tensai (genius) Shinsai (earthquake)

よくある間違い

Pronouncing 'kessai' as 'kesai' (forgetting the double 's').
Confusing the pitch accent with 'keisai' (to publish).
Over-rounding the 'u' in 'suru'.
Pronouncing 'ai' as two distinct vowels instead of a smooth diphthong.
Mixing it up with 'keisai' (listing/publishing) due to similar sounds.

難易度

読解 3/5

The kanji are N2 level, but the word is common in daily life.

ライティング 4/5

Easy to confuse with the homophone for 'approval'.

スピーキング 2/5

Simple suru-verb conjugation.

リスニング 3/5

Must distinguish from 'keisai' and other similar sounds.

次に学ぶべきこと

前提知識

払う (harau) お金 (okane) カード (kaado) 買い物 (kaimono) 銀行 (ginkou)

次に学ぶ

精算 (seisan) 振込 (furikomi) 領収書 (ryoushuusho) 請求書 (seikyuusho) 為替 (kawase)

上級

債務不履行 (default) 資金洗浄 (money laundering) 流動性 (liquidity) 仮想通貨 (cryptocurrency) 与信 (credit granting)

知っておくべき文法

Suru-verbs

決済する、決済します、決済した。

Particle 'de' for Method

カードで決済する。

Nominalization with 'no' or 'koto'

決済するのは簡単だ。

Passive 'sareru'

自動で決済される。

Potential 'dekiru'

スマホで決済できる。

無料登録して完全な解説を読む

レベル別の例文

レジで決済する。

Settle at the register.

Simple suru-verb usage.

カードで決済する。

Settle with a card.

Particle 'de' shows the method.

スマホで決済する。

Settle with a smartphone.

Modern daily usage.

ここで決済しますか？

Do you settle here?

Polite question form.

決済は終わりました。

The settlement is finished.

Noun form 'kessai' used as a subject.

アプリで決済する。

Settle with an app.

Common tech context.

ネットで決済する。

Settle on the internet.

Refers to online shopping.

すぐに決済する。

Settle immediately.

Adverb 'sugu ni' modifying the verb.

PayPayを使って決済する。

Settle using PayPay.

Using 'te-form' of tsukau (to use) to show method.

現金以外で決済する。

Settle with something other than cash.

Igai (other than) + de (method).

ホテルで現地決済する。

Settle on-site at the hotel.

Genchi kessai is a common compound noun.

自動で決済されます。

It will be settled automatically.

Passive form 'sareru' for automatic actions.

決済方法を選んでください。

Please choose a settlement method.

Kessai houhou (settlement method) + o (object) + erande (choose).

昨日、無事に決済した。

I settled successfully yesterday.

Past tense 'kessai shita'.

電子マネーで決済するのは便利だ。

Settling with electronic money is convenient.

Nominalizing the verb with 'no wa'.

決済ができない場合があります。

There are cases where settlement is not possible.

Potential negative 'deki nai' + baai (case).

注文を確定する前に、決済するボタンを押す。

Before confirming the order, press the settle button.

Using 'mae ni' (before) with the dictionary form.

毎月の公共料金を口座振替で決済する。

Settle monthly utility bills via automatic bank transfer.

Kouza furikae (account transfer) is the method.

外貨で決済すると、手数料がかかる。

If you settle in foreign currency, a fee will be charged.

Conditional 'to' (if/when).

決済が完了したら、メールが届きます。

Once the settlement is complete, an email will arrive.

Conditional 'tara' (once/after).

どの決済手段が一番お得ですか？

Which settlement method is the most beneficial/profitable?

Kessai shudan (means of settlement).

一括で決済するか、分割にするか選べる。

You can choose to settle in a lump sum or in installments.

Ikkatsu (lump sum) vs Bunkatsu (installments).

セキュリティのために、指紋で決済する。

Settle with a fingerprint for security.

Tame ni (for the purpose of).

決済に失敗したので、もう一度試す。

Since the settlement failed, I will try again.

Reason 'node' (since/because).

法人カードを使って、経費を決済する。

Settle expenses using a corporate card.

Houjin (corporate) and Keihi (expenses).

決済システムを導入することで、効率が上がった。

Efficiency increased by introducing a settlement system.

Koto de (by doing so) showing means/reason.

この取引は来月末までに決済する必要がある。

This transaction needs to be settled by the end of next month.

Hitsuyou ga aru (there is a necessity).

株のポジションを決済して、利益を確定させた。

I settled my stock position and locked in the profit.

Financial context of 'closing a position'.

決済の遅延は、信用の低下につながる。

A delay in settlement leads to a decline in creditworthiness.

Chien (delay) and Shinyou (credit/trust).

不正な決済を検知するAIを開発した。

We developed an AI that detects fraudulent settlements.

Fusei (fraudulent/unauthorized).

複数の通貨で決済できるプラットフォームだ。

It is a platform where you can settle in multiple currencies.

Potential form 'kessai dekiru'.

決済完了画面をスクリーンショットに撮っておく。

Take a screenshot of the settlement completion screen.

Te oku (do in advance/for future use).

ブロックチェーン技術により、即時決済が可能になった。

Blockchain technology has made instantaneous settlement possible.

Sokuji kessai (instant settlement).

決済の最終性を法的に担保することが重要だ。

It is important to legally guarantee the finality of settlement.

Kessai no saishusei (settlement finality).

中央銀行が提供する決済基盤の安定性が求められる。

The stability of the settlement infrastructure provided by the central bank is required.

Kessai kiban (settlement infrastructure).

越境ECにおける決済の複雑さを解消する。

Resolve the complexity of settlement in cross-border e-commerce.

Ekkyou EC (cross-border e-commerce).

決済代行会社を経由して、安全に取引を行う。

Conduct transactions safely via a payment processing company.

Kessai daikou gaisha (payment agency/gateway).

未決済の債務を整理し、経営の再建を図る。

Organize unsettled debts and aim for business restructuring.

Mi-kessai (unsettled).

キャッシュレス決済の普及が、消費行動に変化をもたらした。

The spread of cashless settlement has brought changes to consumer behavior.

Fukyuu (spread/diffusion).

決済ネットワークの脆弱性を修正するアップデートを行う。

Perform an update to fix vulnerabilities in the settlement network.

Zeijakusei (vulnerability).

国際決済銀行のガイドラインに基づき、自己資本比率を維持する。

Maintain the capital adequacy ratio based on the guidelines of the Bank for International Settlements.

Kokusai Kessai Ginkou (Bank for International Settlements).

決済システムのシステミック・リスクを最小限に抑える。

Minimize the systemic risk of the settlement system.

Systemic risk refers to the risk of collapse of an entire system.

決済完了の通知が、法的効力の発生要件となっている。

The notification of settlement completion is a requirement for the occurrence of legal effect.

Houteki kouryoku (legal effect).

分散型台帳による決済が、既存の信託制度を脅かしている。

Settlement via distributed ledgers is threatening the existing trust system.

Bunsangata daichou (distributed ledger).

決済不履行が発生した場合の、清算手続きを精査する。

Scrutinize the liquidation procedures in the event of a settlement default.

Kessai furikou (settlement default).

リアルタイム・グロス決済の導入が、流動性管理を高度化させた。

The introduction of Real-Time Gross Settlement has sophisticated liquidity management.

RTGS is a specialized financial term.

各国の決済慣行の差異が、国際送金の障壁となっている。

Differences in the settlement practices of various countries are barriers to international remittances.

Kessai kankou (settlement practices).

決済インフラの強靭化は、国家安全保障の観点からも不可欠だ。

Strengthening settlement infrastructure is essential from the perspective of national security.

Kyoujinka (strengthening/resilience).

よく使う組み合わせ

クレジットカードで決済する

キャッシュレスで決済する

一括で決済する

オンラインで決済する

決済を完了する

決済に失敗する

決済手段を選ぶ

即時決済する

自動決済する

現地で決済する

よく使うフレーズ

決済方法

— The method of payment. Used when selecting how to pay.

ご希望の決済方法を選択してください。

決済端末

— The physical payment terminal or card reader.

決済端末にカードをかざしてください。

決済完了

— Settlement complete. The screen shown after success.

決済完了の画面を確認する。

事前決済

— Advance payment/settlement. Paying before the service.

事前決済で割引が受けられる。

後払い決済

— Deferred payment/Buy Now Pay Later.

後払い決済は若者に人気がある。

決済システム

— The infrastructure or software that handles payments.

新しい決済システムを導入する。

決済手数料

— The processing fee for a transaction.

決済手数料は店舗側が負担する。

決済代行

— A service that processes payments for merchants.

決済代行会社と契約を結ぶ。

決済口座

— The bank account used for settlements.

給料の受取口座と決済口座を分ける。

電子決済

— Electronic settlement/payment.

電子決済の普及率を調査する。

よく混同される語

決済する vs 決裁 (Kessai)

Means 'executive approval.' Sounds the same but uses different kanji and refers to permission, not money.

決済する vs 掲載 (Keisai)

Means 'to publish' or 'to list' (like in a newspaper or on a website). Similar sound.

決済する vs 精算 (Seisan)

Means 'to adjust/calculate and settle.' Used for splitting bills or travel expenses.

慣用句と表現

"決済を下ろす"

— To grant formal approval (using the homophone 決裁). Often confused in speech.

上司が決済を下ろしてくれた。

Business

"決済を仰ぐ"

— To seek approval from a superior (again, using 決裁).

部長に決済を仰ぐ必要がある。

Business

"決済が通る"

— For a payment to go through successfully or for an approval to be granted.

カードの決済が無事に通った。

Neutral

"決済の目処が立つ"

— To have a clear prospect of being able to settle a debt.

ようやく決済の目処が立った。

Business

"決済の波に乗る"

— To follow the trend of new payment technologies.

キャッシュレス決済の波に乗る小売店。

Media

"決済を急ぐ"

— To rush the finalization of a transaction.

年度末なので決済を急いでいる。

Business

"決済を渋る"

— To be reluctant to finalize a payment.

彼はなぜか決済を渋っている。

Neutral

"決済を一本化する"

— To unify all payments into one method or account.

家計の決済をカードに一本化する。

Neutral

"決済に影を落とす"

— To cast a shadow over a transaction (suggesting problems).

システムの不具合が決済に影を落とした。

Media

"決済の要"

— The keystone or most important part of a settlement system.

このサーバーは我が社の決済の要だ。

Business

間違えやすい

決済する vs 支払う

Both mean 'to pay.'

Shiharau is the general formal act of giving money. Kessai is the technical process of settlement.

給料を支払う (Pay salary) vs. システムで決済する (Settle via system).

決済する vs 振り込む

Both involve moving money.

Furikomu is specifically about bank transfers. Kessai is the broader category of settling the transaction.

銀行で振り込む (Transfer at bank) vs. 振込で決済する (Settle via transfer).

決済する vs 会計する

Both used at the end of shopping/dining.

Kaikei is the act of 'the check' or 'the billing.' Kessai is the actual processing of the funds.

お会計お願いします (Check, please) vs. 決済方法を選ぶ (Choose settlement method).

決済する vs 納入する

Both involve paying money.

Nounyuu is for taxes, premiums, or delivering paid goods. Kessai is for commercial transactions.

税金を納入する (Pay taxes) vs. 注文を決済する (Settle order).

決済する vs 解決する

Both have 'Ketsu' and mean to 'settle' something.

Kaiketsu is for problems or disputes. Kessai is only for money.

問題を解決する (Solve problem) vs. 債務を決済する (Settle debt).

文型パターン

[Method] で決済する。

カードで決済する。

[Method] を使って決済する。

アプリを使って決済する。

[Time] までに決済する必要がある。

明日までに決済する必要がある。

[Object] を [Method] で決済する。

代金をスマホで決済する。

[Noun] 決済を導入する。

キャッシュレス決済を導入する。

[Noun] が決済される。

月額料金が決済される。

決済の [Noun] を確保する。

決済の安全性を確保する。

決済システムの [Noun] を強化する。

決済システムの強靭性を強化する。

語族

名詞

決済 (Settlement)

未決済 (Unsettled)

即時決済 (Instant settlement)

電子決済 (Electronic settlement)

動詞

決済する (To settle)

決済される (To be settled)

決済させる (To make someone settle)

使い方

frequency

Extremely high in commercial and digital contexts; moderate in personal daily speech.

よくある間違い

Using 'kessai suru' for small personal favors. → 友だちにお金を払う (Harau).
'Kessai' is too formal for friends. It sounds like you are treating your friend as a business entity.
Confusing 決済 (Money) with 決裁 (Approval). → 決済 (Money settlement) vs 決裁 (Manager's approval).
These are homophones. Using the wrong kanji in a business email can lead to serious misunderstandings about whether you're talking about a payment or a permission.
Saying 'kessai suru' for 'resolving a problem'. → 問題を解決する (Kaiketsu).
Both have 'Ketsu', but 'kessai' is strictly for financial transactions. 'Kaiketsu' is for problems, puzzles, or disputes.
Thinking 'kessai' only refers to credit cards. → 現金決済 (Cash settlement).
While mostly used for digital payments now, 'kessai' is the general term for any formal settlement, including cash or bank transfers.
Using 'kessai suru' without a particle like 'de' or 'wo'. → カードで決済する。
It's a transitive verb or requires a method. Saying just 'kessai suru' without context can be vague.

ヒント

Look for the Button

Whenever you are on a Japanese website, look for the '決済' button. It is usually the very last step of buying something. This helps you associate the word with the final act of payment.

Use with 'de'

The most common way to use this verb is '[Method] で決済する'. Practice saying 'kaado de kessai suru' or 'sumaho de kessai suru' to get used to the flow.

Learn the Noun First

In many cases, you'll see the noun '決済' alone on signs or screens. Understanding that '決済' = 'Settlement' makes the verb form '決済する' much easier to remember.

Cashless Context

If you are talking about the trend of not using cash in Japan, the word 'kyasshu-resu kessai' is the essential term to use in discussions or essays.

Kanji Distinction

Remember that '決済' has the 'water' radical on the left of '済'. Think of money 'flowing' to settle a debt. The other 'kessai' (approval) doesn't have this.

Polite Form

In a shop, always use '決済します' (kessai shimasu) or '決済できますか？' (kessai dekimasu ka?) to be polite to the staff.

Terminal Beeps

Listen for the terminal to say 'Kessai ga kanryou shimashita' (Settlement has been completed) when you use an IC card like Suica.

Invoices

When an invoice is paid, you can mark it as '決済済み' (kessai-zumi), which means 'Settled' or 'Paid'.

Error Messages

If your payment fails, look for '決済エラー' (kessai eraa). This tells you the transaction didn't go through.

Finish Line

The 'sai' in 'kessai' is the same as in 'sumi' (finished). Associate kessai with the 'finish line' of a shopping trip.

暗記しよう

記憶術

Think of 'Ketsu' (Decide) and 'Sai' (Sayonara to the debt). When you 'kessai,' you decide to say goodbye to the bill by paying it.

視覚的連想

Imagine a digital 'OK' button on a credit card machine glowing violet. That button is the 'Kessai' button.

Word Web

Money Credit Card Bank Digital Finish Accounting QR Code Checkout

チャレンジ

Go to a Japanese website (like Amazon.co.jp) and find the word '決済' in the checkout flow. Don't buy anything, just find it!

語源

Sino-Japanese (Kango). Derived from Middle Chinese roots. 'Ketsu' (to decide) + 'Sai' (to finish/cross over).

元の意味： To decide and finish a matter, specifically regarding accounts or debts.

Japonic (Sino-Japanese layer).

文化的な背景

Be aware that 'kessai' (settlement) and 'kessai' (approval) are homophones. In writing, always use the correct kanji to avoid looking unprofessional.

In English, we use 'pay' for everything. In Japanese, using 'kessai' makes you sound like you understand the tech/business behind the payment.

PayPay commercials (ubiquitous in Japan) Rakuten Pay promotions Suica (the original cashless kessai in Tokyo)

実生活で練習する

実際の使用場面

Online Shopping

決済を確定する
決済画面へ進む
決済に失敗しました
決済完了メール

Convenience Store / Retail

キャッシュレス決済
決済端末にかざす
別の決済方法
決済が終わる

Business / Accounting

月末に決済する
一括決済
決済システムの導入
未決済の案件

Banking / Finance

即時決済
外貨決済
決済口座
国際決済

Stock Trading

ポジションを決済する
反対売買で決済する
利益確定の決済
損切りの決済

会話のきっかけ

"日本で一番便利な決済方法は何だと思いますか？ (What do you think is the most convenient payment method in Japan?)"

"最近、現金を使わずに決済することが増えましたか？ (Have you been settling payments without using cash more often lately?)"

"海外でクレジットカード決済をするとき、気をつけていることはありますか？ (Is there anything you are careful about when settling with a credit card abroad?)"

"新しいスマホ決済アプリを使ってみたことがありますか？ (Have you ever tried using a new smartphone payment app?)"

"オンラインで決済するとき、セキュリティが心配ですか？ (Are you worried about security when settling online?)"

日記のテーマ

今日、どのような決済手段を使って買い物をしましたか？その理由も書いてください。 (What settlement methods did you use for shopping today? Write about the reasons too.)

将来、すべての支払いがデジタル決済になると思いますか？あなたの意見を述べてください。 (Do you think all payments will become digital settlements in the future? State your opinion.)

初めてスマホで決済したときの感想を書いてください。 (Write about your impressions the first time you settled with a smartphone.)

日本のキャッシュレス決済について、便利だと思う点と不便だと思う点を挙げてください。 (List the points you find convenient and inconvenient about cashless settlement in Japan.)

もし決済システムが世界中で止まってしまったら、どうなると思いますか？ (What do you think would happen if settlement systems stopped working worldwide?)

よくある質問

10 問

Not really. It sounds too formal and technical. Use 'kaesu' (return) or 'harau' (pay) instead. For example, '1000円返すね' is much better than '1000円決済するね'.

It means 'advance settlement.' You see this when booking hotels or tickets online where you pay before you actually go to the place.

Yes, it can be. '現金決済' (genkin kessai) means cash settlement. However, the word is much more common for digital methods nowadays.

It means 'Settlement Completed.' It's the message you want to see after you buy something online or tap your card.

They are using a different word, '決裁' (kessai), which means 'approval.' They sound exactly the same, which is a common source of confusion for learners.

Yes, especially if you pay via an app or automatic transfer. You could say '家賃を決済する'.

It's a payment gateway or agency service (like Stripe or Square) that handles the technical part of 'kessai' for a shop.

There isn't one direct verb, but '未決済' (unsettled) is the state of not being settled, and '返金する' (to refund) is the opposite action.

The kanji are usually considered N2 level, but because of the 'cashless' trend, the word is now part of essential B1 (N3) level daily life Japanese.

It specifically means the financial settlement part of the deal. To 'close a deal' in a general sense, you might use 'keiyaku suru' (to contract) or 'torihiki o oeru' (to finish a transaction).

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