A settlement apparatus of an embodiment includes a determination module, a subtraction module, and a processing module. In response to a single operation on an instruction object, the determination module determines an amount of money to be deducted from the settlement amount for one transaction based on a rule previously associated with the instruction object. The deduction module deducts the amount of money determined by the determination module from the settlement amount. The processing module performs processing for subtracting number of points corresponding to the amount of money to be deducted from accumulated points indicating number of points available by a shopper