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Service Flow

We manage all the settlement operations related to BNPL between merchants and their customers.
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※Transactions that have passed our prescribed screening are eligible. If disputes arise between the merchant and the customer regarding the transactions, and Net Protections, Inc.
 deems that the disputes cannot be promptly resolved or are not likely to be resolved, or if there are other reasons specified in the "NP Atobarai Merchant Agreement" , the transactions are not eligible.

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Merit

Merits for customers

  • Online shopping is somewhat worrying
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    You can pay after receiving goods
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    It prevents various online shopping problems

  • Security concerns such as information leakage
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    I want to order online without using a credit card No risk of card information leakage or unauthorized use
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    You have to pay yourself, so you can prevent any unauthorized use

  • It’s such a hassle to enter information or sign up
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    No credit card required No sign-up required
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    You can use it immediately without credit card and sign-up

Merits for merchants

  • I want to prevent lost sales
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    Sales increase

    If you only have credit card, cash on delivery, and prepayment as your payment method, customers who prefer to pay with BNPL would drop out at the checkout. BNPL prevents shopping cart abandonment and contributes to sales increase.

  • In-house credit screening and billing operations are difficult
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    Reduce workload of billing operations

    Merchants can focus on their main business because we take on all of the billing operations from credit screening, invoicing, to payment collection.

  • I want to avoid bad debts
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    Risk-free guaranteed

    We pay merchants even if customers do not pay.

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Track Record

Net Protections is the first company in Japan to provide BNPL services that guarantee full payment with zero risk since 2002.
In the early days of online shopping, our BNPL service was used mainly by women in their 30s and 40s for the "peace of mind" of being able to pay after receiving goods.These days, our BNPL service is evolving into a “simple & easy” payment service with a smartphone without credit card information.
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Utilizing the know-how accumulated through providing NP Atobarai, we have expanded our service into a wide variety of areas, including BtoB, in-store purchases, and overseas payments, and the total number of transactions has reached more than 530 million.
We will keep providing valuable services for both customers and merchants.




*1 Total transactions since service launch until March 31, 2025.
*2 Gross merchandise value and number of transactions for all services from April 1, 2024 to March 31, 2025.
*3 Total number of merchants as of March 31, 2025 for all services.
*4 Number of customers with matching name and phone number from April 1, 2024 to March 31, 2025.
*5 Calculated as the ratio of 15 million annual unique users from April 1, 2024 to March 31, 2025 to the population of 109.8 million people aged 15 and over (estimated by the StatisticsBureau, Ministry of Internal Affairs and Communications as of April 1, 2025).
*6 The number of BtoB customers whose names match their phone numbers as of March 31, 2025.
*7 Calculated as the ratio of 740,000 unique BtoB customers in the fiscal year 2024-2025 to the 3.67 million companies in Japan (from the 2021 Economic Census - Activity Survey by theMinistry of Internal Affairs and Communications and the Ministry of Economy, Trade and Industry).

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Business Activities

We provide postpaid payment services optimized for usage scenarios such as individual, corporate, e-commerce (EC), face-to-face sales, and overseas.

  • For e-commerce

    A BNPL service for online shopping intended for BtoC transactions. Pay for the product after delivery, and there is no need to register as a member or enter credit card information.

    （refer to the Website ）

  • BtoC BNPL service for on-site services

    A BNPL service for on-site services which can be used for water and gas repair, house cleaning, etc. Payment can be made after the service is rendered. No membership registration, credit card, or cash preparation on the day of the service is required.

    （refer to the Website ）

  • For  e-commerce and in-store purchases.

    A smartphone-based BNPL service that lets you pay later for both online and in-store purchases. You don’t need to register or link your bank account or credit card information and no prepayment fees are required.

    （refer to the Website ）

  • For BtoB transactions.

    A BNPL service for BtoB transactions. We are an intermediary between the merchant and the customer, handling all the settlement operations from credit, invoicing, and payment collection. We also cover the risk of unpaid invoices.

    （refer to the Website ）

  • For overseas use

    A localized BNPL service for Taiwan and Vietnam. Member registration is not required and one may use it for both online and offline purchases.

    （refer to the Website ）

  • Point program for BtoC

    atone shops is a portal site where BNPL users can find exclusive deals. Users can find their new favorite shops, and enjoy shopping with special offers.

    （refer to the Website ）