The future of
payment is here.

The first and only digital credit 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 digital financing solution that allows you to pay from your credit card, or straight from your bank account. In partnership with SMBC, and with 200 financial institutions, 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.

Now, you can make payments with 200 national financial institutions through our app. Quicker, easier, and more secure payments without the catch.

*As a “Digital financing service that can be connected to Bank Pay for immediate debit from bank accounts” in Japan (as of December 2022)

About Smartpay Bank Direct

Hiroyuki × Smartpay Naoya Otsubo

Hiroyuki interviews Naoya Otsubo, Managing Director and Chief Revenue Officer of Smartpay Japan about Smartpay, a commission-free (Japan's first) postpaid payment service from overseas.

See full version on Youtube

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.