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Will China Merchants Bank and Bank of China jcb cards be paid through Lotte Shopping Website? There are other points.
According to experience, the problem you encounter is this.

(1) Lotte receives money directly from the credit card company. If there are many joints in the middle, plus the date of your shopping (such as after the unified payment date), there may be a delay of 1 or 2 months. In particular, most domestic banks do not actually have the ability to handle international business directly, and they need to transfer money through foreign banks. So, it takes time. If the other party doesn't receive the money, you are not responsible.

(2) The second password entered by Lotte Payment is a payment password that can be set at will, not a credit card password. Lotte does not need to enter a credit card password when paying. For security reasons, you can't directly pay the password to enter Lotte. You need to enter your own second password when you pay. Lotte doesn't need to know your credit card password. Lotte's store is signed with JCB or other credit card companies. As long as you agree to use a credit card, they can deduct money from your card without your password.