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.





First in Japan!
Take control of your spending andshop the way you want.
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 YoutubeIncrease sales with Smartpay
Since launch, we've seen the average purchase
price per unit continue to rise.
+45%Contemporary
art dealers
art dealers
+10%Bakeries and
confectionaries
confectionaries
+30%Bags and
Accessories
Accessories
+10%Bedding and
furniture
furniture
Increase BASKET SIZE+40%Businesses choosing us have seen their average basket size continue to grow.
+45%Contemporary
art dealers
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
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
Accessories
Improve conversation rates+10%By upping the ease at checkout, we've reduced cart abandonment and increased conversions.
+10%Bedding and
furniture
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.

