後払い転売で今すぐ現金を作る方法！【おすすめ商品やリスクも解説】
- 後払い転売ってなに？
- 後払い転売の方法は？
- 後払い転売のメリット・デメリットは？
こんなお悩みを解決できる記事を作りました。
後払い転売とは「仕入れの時にかかる費用を後払いにして、仕入れた商品を転売することで現金を作る方法」のことです。
「すぐに手元に現金がほしい人向けの方法」であるため、利益が出る可能性は低くなります。
オススメの後払い転売は「カウールを使ったZOZOTOWN後払い転売」です。
カウールとはiPhoneや家電製品を主に扱っている正規の買取店で、公式LINEを友達登録すれば担当スタッフの指示に従うだけなので、初心者でも後払い転売ができます。
また、カウール以外の方法や注意点なども理解しておくことで、あなたに合った後払い転売方法を見つけることができるようになるでしょう。
この記事の前半では「後払い転売とは・後払い転売で買った商品を現金化する方法」について、後半では「後払い転売のメリット・デメリット、ZOZOTOWNの後払い転売」について解説するのでぜひ参考にどうぞ。
目次
後払い転売とは？
後払い転売とは「仕入れの時にかかる費用を後払いにして、仕入れた商品を転売することで現金を作る方法」のことを指します。
「月末締めの翌月末払い」のようなクレジットカードを使った仕入れも「後払い転売」の一種です。
後払いを使わない転売であれば、最初に手持ちの現金で商品を仕入れる必要があります。
しかし、後払い転売をすることで、最初に手持ちの現金がなくても商品を仕入れることができるのが特徴です。
この記事で紹介する方法は、クレジットカードが作れない人でも使える決済ツールをご紹介します。
後払い転売で買った商品を現金化する方法
後払い転売は、今すぐ現金がほしい人にオススメの方法です。
ここで紹介する後払い方法を利用して転売することで、すぐに現金化することができます。
クレジットカードを作れない人でも利用できる後払い方法なので、あなたに合った後払い方法を探してみてください。
後払い転売に必要な決済ツールは以下の4つ。
- バンドルカード
- NP後払い
- キャリア決済
- メルペイスマート払い
それでは、1つずつ詳しく解説していきます。
バンドルカードを使用する
出典：バンドルカード公式サイト（https://vandle.jp/）
| 公式サイト | バンドルカード公式サイト（https://vandle.jp/） |
| 入会金・年会費 | 無料 |
| 支払日 | 月末締めの翌月末までにお好きなタイミング |
| チャージ金額 | 3,000円〜上限額 |
| 上限額 | 5,000円（初回）〜最大50,000円（利用に応じて増加） |
| 回数 | 当月内であれば、上限額まで何度でも |
バンドルカードとは、高校生でもつくれるクレジットカード（VISAプリペイドカード）です。
審査がなく、誰でも作ることができることがバンドルカードの特徴です。
バンドルカードで後払いができるのは「ポチッとチャージ」「ドコモ払い」の2つです。
しかし「ドコモ払い」はキャリア決済と内容が同じなので、以下の「キャリア決済」（内部リンク）で詳しく解説します。
主に利用できる場所は以下の4つ。
VISAカードとして利用できるので、多くの仕入れ先で後払いが可能となっています。
バンドルカードを使って、後払い転売する方法
- 「ポチッとチャージ」でチャージする
- バンドルカードで商品を購入する
- 商品が到着する
- 商品を転売する
- 商品が売れたら発送
- 購入者のもとへ商品が届けば現金化可能
バンドルカードで「ポチッとチャージ」をした場合、支払いは月末締めで翌月末までお好きなタイミングとなっています。
前月分の支払いが完了していないと、当月分のチャージができないので、注意しておきましょう。
初回のチャージ金額は5,000円ですが、期日内に支払いを忘れないなど実績が貯まることで最大50,000円まで上限があがる仕組みとなっています。
金額に応じて手数料が変わるので、以下の画像で確認しておきましょう。
出典：バンドルカード公式サイト「バンドルカードのチャージ方法 ポチッとチャージ編」
1回のチャージでかかる手数料なので、2回・3回とチャージすると手数料が多くなるため、あらかじめ使う金額を決めてチャージするといいでしょう。
出典：バンドルカード公式サイト
また、実店舗での仕入れを行う場合はリアルカードである「バンドルカードリアル」を申し込んでおくといいでしょう。
NP後払いを活用する
（出典：NP後払い公式サイト）
| 公式サイト | NP後払い公式サイト |
| 入会金・年会費 | 無料 |
| 支払日 | 請求書発行から14日以内 |
| 上限額 | 税込55,000円（NP後払いの未返済がない場合） |
| 回数 | 上限額まで何度でも |
NP後払いとは、ネットショップで商品を購入した時に使える決済方法の1つです。
69,000以上の店舗でNP後払いが利用できるので、幅広い商品の仕入れができます。
また、NP後払いは会員登録をしなくても利用できるのが特徴です。
しかし、利用することでポイントが貯まり（200円で1ポイント）、ポイントを使って商品と交換することができるので、会員登録しておくことをオススメします。
以下が、NP後払いの利用方法です。
（出典：NP後払い公式サイト）
NP後払いは、請求書発行後14日以内に返済する必要がありますが、以下3つの場所で支払うことで手数料は発生しません。
- コンビニ
- LINE Pay
- ドラッグストア
ドラッグストアは地域によって違うので、公式サイトの「どのドラッグストアで支払えますか？」をご確認ください。
銀行振込もできますが、振込手数料が発生することがあります。
NP後払いを使った後払い転売の方法
- ショッピングの決済でNP後払いを選択
- 商品が届く
- 商品を転売する
- 商品が売れたら発送
- 購入者のもとへ商品が到着すれば現金化可能
請求書発行後14日以内までにお支払いができない場合、一時的にNP後払いが利用できなることがあるので注意しておきましょう。
キャリア決済を使う
| 公式サイト | ドコモ払い |
| 支払日 | 毎月の携帯料金支払い時 |
| 手数料 | 無料 |
| 上限額 | 各キャリア最大10万円 |
| 回数 | 上限額まで何度でも |
キャリア決済とは、NTTドコモ、au、ソフトバンクの三大キャリアが提供しているキャッシュレス決済のことを言います。
キャリア決済は、本人確認（暗証番号の入力）ができれば、毎月支払う携帯料金と一緒に請求される仕組みです。
毎月の携帯料金と一緒に自動で決済できるので、コンビニなどに足を運ぶ必要がないのが特徴です。
キャリア決済の流れは三大キャリアすべて同じです。
（出典：ドコモ払い公式サイト）
以下がキャリア決済ごとの利用上限額になります。
| キャリア名 | NTTドコモ | au | ソフトバンク |
| キャリア決済名 | ドコモ払い | auスマート払い | ソフトバンクまとめて支払い |
| 上限額 | 未成年：1万円
成人：契約期間で変化 1〜3ヶ月：1万円 4〜24ヶ月：3万円 25ヶ月以上：10万円 |
12歳まで：1,500円
13〜17歳：1万円 18〜19歳：2万円 20歳以上：10万円 |
12歳未満：2,000円
20歳未満：2万円 20歳以上：10万円 |
キャリア決済が利用できる主なサイトは以下になります。
- Amazon
- 楽天市場
- Yahoo!ショッピング
- メルカリ
- ラクマ
- ヤフオク
キャリア決済は、キャリアごとに上限額を決める方法が違うので、上限額を理解した上で商品を仕入れるようにしましょう。
キャリア決済を使った後払い転売の方法
- ネットショッピングの決済でキャリア決済を選択
- 商品が届く
- 商品を転売する
- 商品が売れたら発送
- 購入者のもとへ商品が到着すれば現金化可能
メルペイスマート払いを使う
（出典：メルペイ公式サイト）
| 公式サイト | メルカリガイド |
| 支払日 | 月末締めの翌月末までのお好きなタイミング |
| 手数料 | 無料 |
| 上限額 | 1万円〜30万円（メルカリの利用状況によって異なる） |
| 回数 | 上限額まで何度でも |
メルペイスマート払いとは、メルカリが提供しているメルペイの後払い決済サービスです。
メルカリでの取引履歴や評価が信用となり、利用限度額が変わる仕組みとなっています。
支払い日は、月末締めの翌月末までのお好きなタイミングとなっています。
メルペイスマート払いを使った後払い転売の方法
- 商品購入時の決済でメルペイスマート払いを選択
- 商品が届く
- 商品を転売する
- 商品が売れたら発送
- 購入者のもとへ商品が到着すれば現金化可能
メルペイスマート払いは、翌月末までに全額支払うのが難しくなった場合、定額払い（分割払い）できるのが特徴です。
（出典：メルカリガイド）
定額払いは、メルカリの利用状況によって上限額・金利が異なります。
上限額や金利に関しては「メルペイスマート払いの定額支払いとは？」をご参照ください。
メルペイスマート払いは実店舗での利用もできますが、メルカリで仕入れて他の販売所で転売する方法がスムーズな後払い転売ができます。
実店舗で使えるお店が気になる方は「使えるお店｜メルペイ」を参考にどうぞ。
後払い転売におすすめの商品
前章で後払い転売のオススメ決済方法について解説しました。
この章では「後払い転売するときのオススメ商品」を解説していきます。
後払い転売する商品の選び方は「損失が少なく、早く売れる商品」です。
この章では「損失が少なく、早く売れる商品」を6つ紹介します。
以下が後払い転売でオススメの商品です。
- ゲーム機本体
- Amazonギフト券
- 高級ブランド品
- iTunesカード
- 有名ブランドスニーカー
- 美容（コスメ）商品
それでは、1つずつ解説していきます。
ゲーム機本体
後払い転売にオススメ商品の1つ目は「ゲーム機本体」です。
なぜなら「ゲーム機本体は需要に対して供給量が少ないのが現状だから」です。
そのため、供給量の少ない「ゲーム機本体」を販売することで、損失を少なく早く売ることができるのでおすすめです。
Amazonギフト券
後払い転売にオススメ商品の2つ目は「Amazonギフト券」です。
その理由は、Amazonギフト券は転売できる場所、さらに即日現金化できるところも多いからです。
たとえば、アマプライムは「最短5分、即日振込」に対応しています。
Amazonギフト券の還元率は販売先にもよりますが、初回85〜90%、2回目以降82〜84%と高いです。
しかし、ネットでAmazonギフトカードを買う場合、お支払いはVISAカードとして使えるバンドルカードのみとなります。
すぐにでも現金がほしい方にとっては、即日現金化できるAmazonギフト券はおすすめです。
高級ブランド品
後払い転売にオススメ商品の3つ目は「高級ブランド品」です。
なぜなら、還元率が90%ほどで高く、回転率の高い商品が多いからです。
たとえば、GUCCI×ディズニーなどの限定コラボ商品は需要が高く、狙い目です。
（出典：メルカリ）
しかし、高級ブランド品は商品によっては各種支払い方法の上限額を超える可能性があるので、前もって上限額の確認をしておきましょう。
iTunesカード
後払い転売にオススメ商品の4つ目は「iTunesカード」です。
その理由は、即日現金化ができる販売先があるからです。
Amazonギフト券同様に、アマプラを利用すれば、最短5分で現金化することができます。
Amazonギフト券に比べて還元率が初回74〜77%、2回目以降：70〜73%と低くなりますが、バンドルカードに加えてキャリア決済でのお支払いができます。
しかし、最短5分と即金性があるので、後払い転売にオススメです。
有名ブランドスニーカー
後払い転売にオススメ商品の5つ目は「有名ブランドスニーカー」です。
なぜなら、人気のブランドやモデルなどは、需要が高く回転率が高いからです。
以下の画像のように、有名ブランドスニーカーをメインに販売している人はすべて売り切っていました。
（出典：メルカリ）
特に人気ブランドは以下の2つ。
- ナイキ
- adidas
また、スニーカーは新品未使用であれば還元率が80〜90％と高いため、スニーカーの転売はオススメです。
美容（コスメ）商品
後払い転売にオススメ商品の6つ目は「美容（コスメ）商品」です。
その理由は、美容（コスメ）商品は回転率が高く、仕入先も充実しているからです。
たとえば、大人気の香水「SHIRO」は、利益率は90〜95%と高い商品で、回転率も非常に高いです。
（出典：メルカリ）
美容（コスメ）商品の主な仕入先
- Amazon
- 楽天市場
- Yahoo!ショッピング
- Qoo10
- 公式サイト
仕入先が豊富で、回転率の高い美容（コスメ）商品の転売は、売れやすく利益率も高いためオススメです。
後払い転売のデメリット
後払い転売は、現金化するための方法として有効です。
しかし、後払い転売におけるデメリットも理解しておきましょう。
なぜなら、訴訟やアカウント停止のリスクがあるからです。
この章で紹介する後払い転売のデメリットは4つ。
- 即日現金化はできない
- もしも支払いができなければ訴訟も？
- 一度に現金化できる上限がある
- アカウント停止のリスク
それでは、1つずつ解説していきます。
即日現金化はできない
後払い転売1つ目のデメリットは「即日現金化はできない」です。
その理由は、商品を後払いで仕入れた場合、仕入れた商品が手元に届くまで時間がかかるからです。
現金化できるまでの流れは以下の通りです。
- Amazonなどで商品を後払いで購入
- 商品が到着
- 商品をメルカリなどで出品
- 商品が購入されたら発送
- 購入者の元へ商品が到着
- 現金化
現金化するまでに早くても7日ほどかかります。
Qoo10など海外から商品が発送される場合は、さらに時間がかかるので、即日現金化はできないと理解しておきましょう。
もしも支払いができなければ訴訟も？
後払い転売2つ目のデメリットは「もしも支払いができなければ訴訟もありえる」ことです。
なぜなら、後払いは借金のようなものだからです。
ドコモ払い（キャリア決済）で例えると、自分が買った商品の費用を一旦ドコモが負担してくれるので、ドコモに借金している形になります。
そのため、費用を返済できなければ、ドコモから少額訴訟を起こされてしまう可能性があります。
必ず、決まった返済日までに返せる金額かを確認して、後払い転売をするようにしましょう。
一度に現金化できる上限がある
後払い転売3つ目のデメリットは「一度に現金化できる上限がある」です。
なぜなら、後払い方法のすべてに上限額が決められているからです。
各種後払いの上限は以下になります。
| バンドルカード | 50,000円/月 |
| NP後払い | 55,000円/月 |
| キャリア決済（au、ソフトバンク、ドコモ） | 20歳以上100,000円/月 |
後払い転売するためには、上限額の範囲内で仕入れを行う必要があります。
アカウント停止のリスク
後払い転売4つ目のデメリットは「アカウント停止のリスク」です。
後払い転売の回数が多くなるとECサイトのアカウント停止のリスクがあります。
なぜなら、後払い決済で現金化することは利用規約違反にあたるからです。
同じ商品を何度も仕入れると不審に思われ、後払い転売していることがバレやすくなります。
もし、後払い転売がバレてしまうとECサイトのアカウント停止処分となる可能性があるので注意しましょう。
後払い転売のメリット
前章で後払い転売のデメリットを解説しましたが、メリットもあるので解説します。
後払い転売のメリットは2つ。
- 金利が発生しない
- クレカブラックの人も実践可能
後払い決済を使うと「金利が発生したり、クレカブラックの人は利用できない」など勘違いされている人が多いです。
そのため、後払い転売のメリットもしっかり確認しておきましょう。
金利が発生しない
後払い転売1つ目のメリットは「金利が発生しない」です。
後払いでの決済は金利はかからないのが特徴です。
ただし、振込手数料などの手数料がかかる場合があります。
返済期限を過ぎても返済しなかった場合などは、追加料金がかかる場合があるので、期限内に返済するようにしましょう。
また、メルペイスマート払いで定額払いをする場合は年率15%の金利がかかってしまうので注意しておきましょう。
詳しくはメルカリガイドの「メルペイスマート払いの定額払いとは？（https://help.jp.mercari.com/guide/articles/949/）」を参考にどうぞ。
クレカブラックの人でも実践可能
後払い転売2つ目のメリットは「クレカブラックの人でも実践可能」なことです。
クレカブラックとは、ブラックリスト入りしてクレジットカードを作れない人のことを指します。
そんなクレカブラックの人でも後払い転売は実践できます。
クレカブラックの人が後払い決済を使える理由は、信用情報機関（CIC）からの開示がないからです。
信用情報機関とは、クレジットカードを作るときや住宅ローンで借りる際などに信用情報を開示する場所です。
後払い決済では、信用情報機関からの開示がないので利用できるので、クレカブラックの人でも利用することができます。
zozotownを利用した後払い転売
この章では「ZOZOTOWNを利用した後払い転売」を解説します。
具体的に以下の3つを解説します。
- ZOZOTOWN後払いの特徴
- ZOZOTOWN後払い転売を利用した現金化のやり方
- ZOZOTOWN後払いの注意点
ここで紹介するZOZOTOWNを利用した後払い転売のやり方を実践することで、転売初心者の方でも迷わず現金化することができます。
また、クレカブラックの人でも利用できて、アカウント停止などのリスクもない方法なので、ぜひ参考にしてください。
ZOZOTOWN後払いの特徴
ZOZOTOWN後払い方法である「ツケ払い」の特徴について解説します。
ZOZOTOWNツケ払いの特徴は2つ。
- 最大10万円まで使える
- 商品購入後、2ヶ月以内の支払い
ZOZOTOWNツケ払いは最大10万円利用できるので、他の後払い決済サービスに比べて多い金額が使えるのが特徴です。
また、返済期限が商品購入から2ヶ月以内と余裕をもって設定されています。
返済方法は、商品に同梱されている請求書を使って、コンビニ払い、口座振替、LINE Payで返済することができます。
LINE Payで支払う場合のみ、税込5万円までの利用となるので、注意しておきましょう。
zozotown後払いを利用した転売現金化のやり方
ZOZOTOWNツケ払いを利用した転売現金化のやり方とは「カウール」を利用することです。
カウールとは、iPhoneや電化製品を主に扱っている正規の買取店なので、アカウント停止のリスクもなく、どなたでも安心して現金化できる店舗です。
商品が届き次第、最短翌日の現金化ができます。
また、店舗への来店や電話確認はなく、すべてWeb上で完結できるのが特徴です。
カウールを使った後払い転売の流れは以下の通りです。
- 公式HPからカウールの公式LINEを友達登録
- 担当スタッフの指示に従い、購入する商品を検討する
- 購入金額、買取価格に問題なければ、指定の商品を購入
- カウールに商品が到着すれば、指定の銀行口座に振り込まれる
カウール公式LINEを友達登録すれば、その後はスタッフの指示に従うだけなので、転売に関する知識がなくてもかんたんに現金化することができますよ。
カウール公式HP
https://kau-ru.com/
zozotown後払いの注意点
ZOZOTOWNの後払Iである「ツケ払い」の注意点を解説します。
ツケ払いの注意点は2つ。
- 即日現金化はできない
- 購入ごとに手数料（330円）かかる
ZOZOTOWNツケ払いでは、カウール利用の有無に問わず、即日現金化はできません。
以下が現金化までの流れです。
- ZOZOTOWN(https://zozo.jp/)で商品を後払いで購入
- 商品が到着
- 商品をメルカリなどで出品
- 商品が購入されたら発送
- 購入者の元へ商品が到着
- 現金化
商品の発送時間などがあるため、早くても7日かかると思っておくといいでしょう。
また、ZOZOTOWNツケ払いで商品を購入する場合、購入ごとに330円の手数料がかかってしまいます。
そのため、まとめて商品を購入することで、手数料を抑えることができます。
まとめ:後払い転売による現金化は可能だがリスクも考えて実行しよう
いかがでしたか？
後払い転売はやり方を覚えれば誰でもでき、すぐに現金化することができます。
後払い転売をするときは、以下4つの決済方法を利用しましょう。
- バンドルカード
- NP後払い
- キャリア決済
- メルペイスマート払い
また、おすすめの商品を利用することで、現金化までの時間を短縮することができますよ。
ただし、メリットがある反面、デメリット（リスク）もあるのでやるならリスクを十分把握した上でやりましょう。
【デメリット】
- 即日現金化はできない
- もしも支払いができなければ訴訟も？
- 一度に現金化できる上限がある
- アカウント停止のリスク
【メリット】
- 金利が発生しない
- クレカブラックの人も実践可能
カウールを使ったZOZOTOWN後払い転売もあるので、あなたに合った後払い転売を実践してみてくださいね。
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