To provide technology to make it difficult for other people to see credit card availability information regarding personal privacy.SOLUTION: A settlement apparatus 10 includes a card information acquisition unit 110 that acquires availability information indicating availability status of a credit card, an input accepting unit 120 for accepting an input of specific information indicating the presence of a store clerk when the availability of the credit card indicated by the availability information is not available, and an output unit 130 that outputs a portable medium including cause information that can identify the cause of the inability to use the credit card when accepting the input of the specific information.SELECTED DRAWING: Figure 1
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