The first and only bank
direct digital credit
solution.

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

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Global Financial Market Review, Fatest Growing Fintech Asia 2023

Finext Awards, Execellence in Finance Companies, Payment Gateways Awards

Build your customer experience with the digital credit service that offers credit and bank direct payment.

Whichever way your customers prefer to pay, with Smartpay, they can. And, in partnership with SMBC, and 200 financial institutions, your customers can pay in real time knowing their data is secure.

Increase trust with flexible payment.

With 3 separate installments, your customers can spread out their payments and pay it forward when it works for them.

Grow your audience with Smartpay.

The amount of shoppers who are choosing Smartpay continues to increase by +10%. Why? While our app ensures payment is easier and more secure for them, it also enables them to check their payment history and stay in control of their payments - all in one place.

Safeguard your customer’s information.

With two-factor-authentication, in partnership with SMBC, and the collaboration of 200 trusted financial institutions, your customers can pay with the knowledge their information is secure. Always.

Case studies

Our Merchants

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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)

Learn more

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 6 months. 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 one click consumer finance

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

Get to know Japan’s EC market.See how Smartpay compares.Reduce merchant risks with Smartpay.