A settlement system provides a means that is highly convenient by avoiding a foreign exchange spread as much as possible at a time of settlements between different currency types in offshore EC. According to a representative embodiment, provided is a settlement gateway that: detects a deposit using a first currency type from a consumer to a predetermined deposit/withdrawal bank account; issues a first virtual currency of the first currency type equivalent to an amount of money relating to the deposit; changes the first virtual currency into a second virtual currency of a second currency type; and instructs a withdrawal equivalent to an amount of money in the second virtual currency from the deposit/withdrawal bank account to a bank account of a merchant.
