When shopping online, I'm not eligible for a Japanese credit card (they don't give them out like candy here), so I have to use the "pay at a convenience store" option. In Amazon's case, that means after you order, they send you a number by e-mail after about thirty minutes. You walk down the street and show the people at the convenience store the number, then pay them, then Amazon ships the product to you.
This is pretty simple and about as good as it gets.
But for Apple, if you choose the convenience store option, they physically mail you the number, causing you to wait two or three days, which you then take to the convenience store and pay. Why a US computer company feels the need to physically mail payment numbers for online purchases is beyond me.