The first and only bank
direct BNPL solution.

Increase your basket size, grow your audience and improve conversion rates with our fast, flexible and highly secure payment option.

Stay ahead of the curve
with the better payment
option for you and your
customers.

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.

Special Interview with Hiroyuki

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

Increase sales with Smartpay

Since launch, we've seen the average purchase
price per unit continue to rise.

+45%Contemporary
art dealers
+10%Bakeries and
confectionaries
+30%Bags and
Accessories
+10%Bedding and
furniture
Increase BASKET SIZE+40%Businesses choosing us have seen their average basket size continue to grow.
+45%Contemporary
art dealers
Grow your audience+3,028%Increase of consumer registrations in the last 6months. We are growing continuously (as of end of 2022)
+10%Bakeries and
confectionaries
Be ahead of the curve+25%3.67 times more merchants signed last month compared to 6 months ago (as of November 30, 2022)
+30%Bags and
Accessories
Improve conversation rates+10%By upping the ease at checkout, we've reduced cart abandonment and increased conversions.
+10%Bedding and
furniture

Smartpay.
Future-proof your business.

About Buy Now Pay Later

With e-commerce and fintech advancements diversifying the way we pay globally, BNPL services are also expected to see a 75% growth domestically in the next 5 years.

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.