How to Pay for Vandle Card’s “Pochitto Charge” at Convenience Store ATMs: Procedures, Fees, Hours | Guide to Seven Bank, Lawson, and Family Mart Compatibility

Vandle Card’s post-payment service, “Pochitto Charge,” is a convenient feature that allows you to instantly top up your balance by simply applying through the app, which you can then use for payments at Visa member merchants. You pay for the topped-up amount later, and one of the available payment methods is using Seven Bank ATMs nationwide. This article provides a detailed explanation of the procedure for paying for Vandle Card’s “Pochitto Charge” at a Seven Bank ATM, covering everything from the preliminary app operations to the specific steps at the ATM, the differences between new and old ATM screens, fees, and important points. It also comprehensively covers useful knowledge, such as how change is handled.

Overview of Vandle Card’s “Pochitto Charge” Payment Methods

First, let’s review the basic mechanism of “Pochitto Charge” and which convenience store ATMs are compatible with its payment.

How “Pochitto Charge,” the Post-Payment Top-Up Service, Works

“Pochitto Charge” is a post-payment service where you apply for your desired amount within the Vandle Card app, and after a review, the amount is instantly credited to your card balance. The charged amount can be used immediately for payments at Visa member merchants, such as online shops in Japan and abroad, as well as physical stores. Payment is made later by a specified deadline.

Process from Application to Balance Reflection

Using “Pochitto Charge” is very simple. From the Vandle Card app, go to the charge screen, select “Pochitto Charge,” enter the desired amount, and apply. Once the prescribed review is complete, the applied amount is instantly reflected in your Vandle Card balance and becomes available for use.

Payment Deadline and Fees Based on the Application Amount

The payment deadline for the amount applied for via “Pochitto Charge” is, in principle, the last day of the month following the application month. At the time of payment, a prescribed fee, based on the application amount, is added. The fee varies depending on the application amount, so be sure to check it on the app screen when applying.

Source: Vandle Card – An app that lets you charge and pay with your smartphone, usable as a Visa card

Convenience Store ATMs That Accept “Pochitto Charge” Payments

Payments for “Pochitto Charge” are not accepted at all convenience store ATMs. Direct cash payment at an ATM is only possible at Seven Bank ATMs.

Full Compatibility with Seven Bank ATM Payments

At Seven Bank ATMs, located in 7-Eleven stores and other locations nationwide, you can make cash payments for “Pochitto Charge” using the QR code displayed in the Vandle Card app.

Compatibility Status at Lawson, Family Mart, and Other Convenience Store ATMs

You cannot make “Pochitto Charge” payments at Lawson Bank ATMs in Lawson or E-net ATMs in Family Mart. To pay at these convenience stores, you must do so at the register, not the ATM, by presenting the barcode displayed in the app.

Source: Pochitto Charge (Seven Bank) | Seven Bank

[By Convenience Store] “Pochitto Charge” ATM Payment Procedures and Important Points

Here, we will explain the specific operating procedures and important points for making payments at Seven Bank ATMs, which are compatible with “Pochitto Charge.”

How to Pay at 7-Eleven (Seven Bank ATM)

Required App Operations Before Payment (Selecting Payment Method)

Before heading to a Seven Bank ATM, you need to select the payment method in the Vandle Card app.

Open the Vandle Card app and select “Proceed to Payment” on the home screen.
On the payment screen, tap “Select Payment Method.”
From the list of payment methods, choose “Seven Bank ATM” and tap “Pay with selected method.”

After completing this step, proceed to your nearest Seven Bank ATM.

ATM Payment Procedure (Scanning the QR Code)

Start the transaction on the Seven Bank ATM screen (instructions in the next section).
A QR code will be displayed on the ATM screen.
Use the Vandle Card app to launch the QR code reader and scan the QR code on the ATM screen.
Confirm the Corporate Code and Customer Number displayed in the app, enter them on the ATM screen, and touch “Confirm.”
Confirm the payment details and insert cash (banknotes only) into the ATM.
Confirm the deposited amount and complete the transaction. Any change will be credited to your Vandle Card balance.

Differences in Operation Screens Between New and Old ATMs

The initial screen operation on a Seven Bank ATM differs depending on the model.

For new ATMs: Touch “Charge” on the screen, then “QR Charge” on the next screen to display the QR code.
For old ATMs: Touch “Smartphone Transaction” on the screen to display the QR code.

Payment Fees and Available Hours

There is no ATM usage fee when paying for “Pochitto Charge” at a Seven Bank ATM. However, the “Pochitto Charge” service fee, which depends on the application amount, is required separately. ATMs are generally available 24/7, 365 days a year, during Seven Bank ATM operating hours, but may be unavailable during system maintenance, often late at night.

Important Notes on Cash Deposits (Coins Not Accepted and Handling of Change)

Payments at Seven Bank ATMs are cash only, and coins cannot be inserted. Therefore, you must deposit banknotes in an amount greater than the total payment. For example, if the total payment is ¥5,510, you would deposit ¥6,000. In this case, the ¥490 difference is not returned as cash change but is automatically credited to your Vandle Card balance.

Source: How do I pay for Pochitto Charge at a Seven Bank ATM? – Vandle Card Support

Important Information for Paying Vandle Card Bills at a Seven Bank ATM

How to Check the Total Payment Amount

You can check the total amount due at a Seven Bank ATM on the payment screen of the Vandle Card app. This amount includes the “Pochitto Charge” service fee.

Breakdown of “Pochitto Charge” Service Fees

The “Pochitto Charge” service fee is set in tiers based on the application amount. For example, it is ¥510 for applications from ¥3,000 to ¥10,000, and ¥815 for applications from ¥11,000 to ¥20,000. Be sure to confirm the exact fee on the app screen when you apply.

Source: About Pochitto Charge Fees – Vandle Card Support

About Seven Bank ATM Usage Fees

When you pay for “Pochitto Charge” at a Seven Bank ATM, there is no ATM system usage fee charged to the user.

Detailed Explanation on How Change is Handled

Since Seven Bank ATMs do not accept coins, you must deposit more banknotes than the payment amount, and the way the difference is handled is unique.

What Happens to the Difference When You Deposit More Banknotes Than the Payment Amount

The difference between the total amount of banknotes deposited and the total payment amount (the amount equivalent to change) is not returned in cash. This difference is automatically credited to your Vandle Card balance.

How Change is Credited to Your Vandle Card Balance

This system allows for efficient deposits even for payments with odd amounts, and the difference can be used as your Vandle Card balance for future purchases. For example, if your total payment is ¥5,510 and you deposit ¥6,000, ¥5,510 will be used for the payment, and the remaining ¥490 will be added to your Vandle Card balance.

Payment Deadline and Risks of Late Payment

How to Check the Payment Deadline in the App

The payment deadline for “Pochitto Charge” is the last day of the month following the application month. You can check the exact date at any time on the payment screen in the app. It is recommended to check it periodically to avoid forgetting the deadline.

Payment Methods and Penalties for Missing the Deadline

If you miss the payment deadline, your Vandle Card may be temporarily suspended. It could also affect your future “Pochitto Charge” credit limit. For payment methods after the deadline has passed, please follow the instructions in the app. Be aware that QR code payment at Seven Bank ATMs may become unavailable.

Payment Methods Other Than Seven Bank ATM

Options: Convenience Stores (Counter Payment), Online Banking, and Bank ATMs (Pay-easy)

Even if payment at a Seven Bank ATM is difficult, other payment methods are available. Specifically, you can choose from options such as payment at the register at Family Mart, Lawson, Ministop, and Seicomart, as well as online bank transfers and Pay-easy payments from bank ATMs. Choose the payment method that suits your situation from the app.

Source: What are the payment methods for Pochitto Charge? – Vandle Card Support

Q&A on Paying for “Pochitto Charge” at Seven Bank ATMs

Q1. At a Seven Bank ATM, should I select “Charge” or “Smartphone Transaction”?

A1. It depends on the ATM model. On newer ATMs with large touch screens (new models), select “Charge” and then “QR Charge.” On slightly older models (old models), select “Smartphone Transaction.”

Q2. If the payment amount is ¥5,510, how much cash should I deposit?

A2. You need to deposit banknotes totaling ¥6,000 or more. Since Seven Bank ATMs do not accept coins, you must deposit banknotes in thousand-yen increments that exceed the payment amount. In this example, you would deposit ¥6,000, and the ¥490 difference would be credited to your Vandle Card balance.

Q3. I’m having trouble scanning the payment QR code at the ATM.

A3. There could be several reasons. Check if your smartphone screen is too dark or if the camera lens is dirty. Also, try moving your smartphone’s camera closer to and further from the QR code on the ATM screen to find the focal point.

Q4. Where can I confirm that my payment is complete?

A4. You can check it in the transaction history of the Vandle Card app. Once the payment is successfully completed, the status of the corresponding “Pochitto Charge” will be updated to “Paid.” Please check this along with the transaction receipt issued by the ATM.

Q5. Can I still pay at a Seven Bank ATM after the payment deadline has passed?

A5. You may not be able to. After the payment deadline, the available payment methods may be restricted. Please open the app and follow the instructions on the payment screen.

Q6. Is there ATM maintenance time? Can I pay 24/7?

A6. In principle, it is available 24 hours a day, 365 days a year, but it cannot be used during Seven Bank’s system maintenance hours. Maintenance is often performed from late at night to early morning. If you are concerned, it is recommended to check the official Seven Bank website for the schedule.

Q7. Can a family member pay my “Pochitto Charge” bill on my behalf?

A7. Yes, it is procedurally possible. Anyone with the smartphone needed to scan the QR code and the necessary cash can make the payment. However, since this involves entrusting your smartphone to someone else, please be extremely careful with its security.

Q8. Is it necessary to keep the transaction receipt issued by the ATM?

A8. Keeping it is strongly recommended. In the unlikely event of an issue, such as the payment not being correctly reflected in the app, the receipt serves as your proof of payment. Please keep it in a safe place until you have confirmed the payment completion within the app.

Last Updated: July 11, 2025