An information processing system including one or more information processing apparatus, includes a first credit inquiry unit performing a credit inquiry on a credit card to be used for a transaction related to a desired commercial transaction when a request, which requests an approval of paying for the desired commercial transaction, is transmitted to a terminal apparatus and a response to the request is received from the terminal apparatus; and a payment instruction unit, in a case where the response to the request includes separate checks information, which indicates the payment is to be made by a plurality of users, and content of the desired commercial transaction has been changed within a desired time period since performing the credit inquiry, instructing payment of the changed commercial transaction.