Digital credit,
direct from your

The secure solution that puts you in control is right in front of you.

Your better way to pay

Cashless payment
without the fuss.

Ready, set, go.

Your most secure payment is through our app. Download and get started today.

Select Smartpay at checkout

Spread out your payments without the fees. And, pay it forward when you want.

Paid, just like that

Check out in no time with our 1-click payment. Done.

Stay on top of your spending

Whether from your credit card or bank, you can manage your Smartpay payments all in one place.


Why choose Smartpay?

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)

How Smartpay Bank Direct Works

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.

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