[Sad news] LINE Pay is over and we have to reconsider what to do with bill payments

Does everyone use cashless payments?

I used it relatively early, but last year I studied intensively and optimized it.

I'm immersed in the V-point economic zone, so I have multiple Sumitomo Mitsui Gold cards and am doing NISA with SBI Securities.

If you spend 1 million yen on the Sumitomo Mitsui Card Gold, you can get 10,000 points, but since you are a sole proprietor, you can achieve 2 payments by sending social insurance premiums, residence tax, and individual business tax payments to a credit card.

That's because the National Health Insurance alone would be over one million.

I created a micro corporation last year and switched to association fighting, so I was able to keep it to around 300,000 per year, including my pension.

Along with that, it became impossible to pay social insurance premiums by credit card, but the amount dropped a lot in the first place, so this is good.

It is determined by income tax, residence tax, individual business tax, and income.

Note that national health insurance premiums are also determined by income, but since the upper limit is set, there's nothing you can do about it.

We are devising ways to suppress various taxes by distributing sales to micro corporations and covering decreases in social insurance premium deductions by doing small business mutual aid and iDeco.

So, after doing something about the amount of various taxes, they think about what to do to pay at a reasonable price.

Fees can now be reduced to zero by paying income tax with various payments from a smartphone.

I bought an Amazon gift card with an Amazon Prime Mastercard in consideration of the hassle and value, and decided to pay with Amazon Pay.

So, finally, let's talk about LINE Pay, which is the main subject.

Invoices can be paid for residence tax and individual business tax, but I adopted “link my Sumitomo Mitsui Card to LINE Pay and pay with Charge & Pay” as my own optimal solution.

Credit card points are attached, and in addition to not being charged fees, they are counted as the amount of 1 million yen spent per year, right?

The residence tax payment notice came just the other day, so I paid with LINE Pay.

The monthly upper limit is 500,000 yen, so I can't pay in one month, but that's a trivial matter.

One of the Sumitomo Mitsui Gold cards that have multiple cards is almost one million yen by paying resident tax and individual business tax with LINE Pay.

I won't be able to use this route next year... so sad...

Services are being terminated sequentially, and since Charge and Pay is scheduled to end in April next year, it is impossible to make it in time for payment of residence tax (after June).

The individual business tax payment notice comes in August, so I can't make it in time either.

Assuming this year is good, I wonder what I'm going to do next year ~ I have to think about it again~.

The compatibility status of bill payments, various payments, credit card connections, etc. is changing rapidly, so I have to study by watching comparative explanation videos that YouTubers will put out around this time next year.

I don't dislike studying this kind of thing, so it's fine, but not being able to pay at a reasonable price is boring.

Credit card payments are easy, but there are settlement fees.

I studied a lot last year, and I became familiar with savings, investments, and discount methods, but until then, I had only “sent payments to JCB Card W as much as possible.”

It was easy, but it was all a waste.

Right now, I think it's a good feeling to try to balance ease and effort.

Thank you LINE Pay for everything!