The future of
payment is here.

The first and only Buy Now Pay Later service that
offers real-time bank direct payment.

Your real-time
payment solution

Secure payment directly from your bank account.

That’s right. Welcome to the first and only Buy Now, Pay Later service that allows you to pay from your credit card, or straight from your bank account. In partnership with SMBC, and with 67 national banks, pay in real time knowing your data is secure.

Take control of your spending.

Tracking your spending has never been easier. Whether you’re paying by credit card or directly from your bank account, manage everything all in one place.

Make your payments work for you.

Get what you want now, and pay later. With 3 separate installments, spread out your payments and pay it forward when you want. No fees, no catch.

First in Japan!

Take control of your spending and
shop the way you want.

Smartpay Bank Direct

Now, you can make payments with 67 national banks through our app. Quicker, easier, and more secure payments without the catch.

More people are going cashless. Smartpay makes it even easier.

Download Our App

Manage your purchases.
Check out our retail partners.
Pay your own way.

Get it on Google PlayDownload on the App Store

Take control of your spending and
shop the way you want.