[Research Report] 39.9% Use Invoice Card Payments in "Emergencies"
Yuushi Daikou Pro Co., Ltd. conducted a survey on invoice card payment usage, revealing that 39.9% use it for 'emergencies'. While convenience is appreciated, about 43% feel the fees are high, and cash flow risks were pointed out.
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- 📰 Published: April 28, 2026 at 23:10
- 🔍 Collected: April 28, 2026 at 14:31
- 🤖 AI Analyzed: April 28, 2026 at 14:47 (15 min after Collected)
Yuushi Daikou Pro Co., Ltd. (Headquarters: Minato-ku, Tokyo; Representative Director: Kotaro Okajima), which provides fundraising support for small and medium-sized enterprises (SMEs) and venture companies, conducted a "Survey on the Actual Usage of Invoice Card Payments" targeting 303 business owners, executives, and self-employed individuals who have used invoice card payment services.
In recent years, invoice card payments have been gaining recognition as a new option for cash flow management. Against this backdrop, this survey was conducted to understand the actual usage situation.
The survey results revealed that the most common reason for introduction was "responding to sudden payments" (39.9%), indicating that it is primarily used as an emergency funding solution rather than a planned cash flow management tool.
Furthermore, approximately 40% of respondents felt that the fees were high, highlighting the issue of cost burden despite the convenience.
This press release presents the actual usage of invoice card payments, including the cash flow risks behind their convenience and how to address them.
1. Approximately 40% use it for "sudden payments," indicating its actual use as a spot funding solution.
The most common reason for introducing invoice card payments was "responding to sudden payments" (39.9%). The most frequent usage was "used only when almost necessary" (40.9%), indicating a tendency for it to be utilized as a spot funding solution in emergencies.
Moreover, the most frequently cited benefit was "can be used immediately" (32.7%), suggesting that this speed aspect is highly valued and encourages its use in emergencies.
2. Approximately 43% feel fees are high; issues with cost and usage restrictions.
While "think it's reasonable" (30.7%) was the most common response regarding fees, combining "a bit high" (30.4%) and "quite high" (12.9%) results in approximately 43%, indicating that overall, a greater proportion of users feel the fees are high.
Furthermore, there are restrictions such as "low credit limit" (19.8%), and in situations with large funding needs, it may not be sufficient.
Amidst these costs and restrictions, it is noteworthy that 13.9% of business owners responded that their purpose for introduction was "alternative to bank loans."
Supplementing funding needs that could originally be met with low-cost loans with relatively high-cost methods could potentially impact mid-to long-term cash flow.
3. Voices from the field: Evaluation of convenience and caution against over-reliance.
In free-form responses, many voices praised the convenience while also urging caution in its use.
[Voices evaluating convenience]
- "The biggest benefit was the increased cash flow flexibility. It helped a lot during periods of heavy expenses." (40-year-old male / self-employed)
- "It's not very suitable for large payments, but for small payments, it's very convenient and improves work efficiency." (57-year-old male / self-employed)
[Voices of caution and warning about usage]
- "Card payments are certainly convenient, but relying too much on them can lead to being chased by card bill payments, which creates difficulties." (67-year-old male / business owner/executive)
- "The fees are also a bit high, so I think it's better to use it as a supplement. (Omitted) I think it's important to choose a provider carefully." (52-year-old male / business owner/executive)
These results suggest that while invoice card payments are a valid option, their method of use can potentially affect business decisions.
4. Advantages and caveats of major funding methods.
This survey has highlighted the convenience of invoice card payments and the risks associated with them. For businesses to maintain healthy cash flow, it is crucial to understand the characteristics of each funding method and use them appropriately for different situations.
For reference, the characteristics of major methods for temporary funding needs are summarized.
[Representative Comment] Kotaro Okajima, Representative Director, Yuushi Daikou Pro Co., Ltd.
"On one hand, we hear voices from the field saying, 'Invoice card payments were not even an option I considered,' while on the other hand, many business owners realize their convenience and adopt them. This service is likely to expand further as a funding option in the future. It is a very convenient option that can be used immediately without screening, but its ease of use also carries the risk of pressuring future cash flow if used incorrectly. Precisely because new services are expanding, it is important to not only address immediate payment needs but also to formulate an overall financial strategy by incorporating an expert's perspective."
[Representative Profile]
Kotaro Okajima (Representative Director, Yuushi Daikou Pro Co., Ltd.)
Has consulted on over 6,200 cases of fundraising. A loan consultant who leverages a network of financial institutions and financial expertise to provide practical support from fundraising to condition design.
Detailed Profile: https://financing.web-matching.com/profile-of-okajima-kotaro/
■ Survey Outline
Survey Title:
Keywords:
In recent years, invoice card payments have been gaining recognition as a new option for cash flow management. Against this backdrop, this survey was conducted to understand the actual usage situation.
The survey results revealed that the most common reason for introduction was "responding to sudden payments" (39.9%), indicating that it is primarily used as an emergency funding solution rather than a planned cash flow management tool.
Furthermore, approximately 40% of respondents felt that the fees were high, highlighting the issue of cost burden despite the convenience.
This press release presents the actual usage of invoice card payments, including the cash flow risks behind their convenience and how to address them.
1. Approximately 40% use it for "sudden payments," indicating its actual use as a spot funding solution.
The most common reason for introducing invoice card payments was "responding to sudden payments" (39.9%). The most frequent usage was "used only when almost necessary" (40.9%), indicating a tendency for it to be utilized as a spot funding solution in emergencies.
Moreover, the most frequently cited benefit was "can be used immediately" (32.7%), suggesting that this speed aspect is highly valued and encourages its use in emergencies.
2. Approximately 43% feel fees are high; issues with cost and usage restrictions.
While "think it's reasonable" (30.7%) was the most common response regarding fees, combining "a bit high" (30.4%) and "quite high" (12.9%) results in approximately 43%, indicating that overall, a greater proportion of users feel the fees are high.
Furthermore, there are restrictions such as "low credit limit" (19.8%), and in situations with large funding needs, it may not be sufficient.
Amidst these costs and restrictions, it is noteworthy that 13.9% of business owners responded that their purpose for introduction was "alternative to bank loans."
Supplementing funding needs that could originally be met with low-cost loans with relatively high-cost methods could potentially impact mid-to long-term cash flow.
3. Voices from the field: Evaluation of convenience and caution against over-reliance.
In free-form responses, many voices praised the convenience while also urging caution in its use.
[Voices evaluating convenience]
- "The biggest benefit was the increased cash flow flexibility. It helped a lot during periods of heavy expenses." (40-year-old male / self-employed)
- "It's not very suitable for large payments, but for small payments, it's very convenient and improves work efficiency." (57-year-old male / self-employed)
[Voices of caution and warning about usage]
- "Card payments are certainly convenient, but relying too much on them can lead to being chased by card bill payments, which creates difficulties." (67-year-old male / business owner/executive)
- "The fees are also a bit high, so I think it's better to use it as a supplement. (Omitted) I think it's important to choose a provider carefully." (52-year-old male / business owner/executive)
These results suggest that while invoice card payments are a valid option, their method of use can potentially affect business decisions.
4. Advantages and caveats of major funding methods.
This survey has highlighted the convenience of invoice card payments and the risks associated with them. For businesses to maintain healthy cash flow, it is crucial to understand the characteristics of each funding method and use them appropriately for different situations.
For reference, the characteristics of major methods for temporary funding needs are summarized.
[Representative Comment] Kotaro Okajima, Representative Director, Yuushi Daikou Pro Co., Ltd.
"On one hand, we hear voices from the field saying, 'Invoice card payments were not even an option I considered,' while on the other hand, many business owners realize their convenience and adopt them. This service is likely to expand further as a funding option in the future. It is a very convenient option that can be used immediately without screening, but its ease of use also carries the risk of pressuring future cash flow if used incorrectly. Precisely because new services are expanding, it is important to not only address immediate payment needs but also to formulate an overall financial strategy by incorporating an expert's perspective."
[Representative Profile]
Kotaro Okajima (Representative Director, Yuushi Daikou Pro Co., Ltd.)
Has consulted on over 6,200 cases of fundraising. A loan consultant who leverages a network of financial institutions and financial expertise to provide practical support from fundraising to condition design.
Detailed Profile: https://financing.web-matching.com/profile-of-okajima-kotaro/
■ Survey Outline
Survey Title:
Keywords: