Service Flow

※General Definition of BNPL
※About Credit Screening:Credit screening is the process to screen retail customers and purchasing companies and provide credit that allows them to use BNPL seivices.
Net Protections is obligated to pay for the products to the merchant even if the customer or the purchasing company fail to pay.

Proven Track Record as Japan’s No. 1 BNPL Player

※1) Cumulative number of transactions at the end of each fiscal year, from the launch of all services to the end of March 31, 2023.
※2) Annual GMV of BtoC and BtoB transactions in FY3/2022 (April 1, 2022 to March 31, 2023).
※3) Total merchants of BtoC and BtoB transactions in FY3/2022 (April 1, 2022 to March 31, 2023).
※4) Annual transactions are the aggregate figures of BtoC and BtoB transactions in FY3/2023 (April 1, 2022 to March 31, 2023).
※5) Approximately 1 in 7 people: population of 110.6 million people aged 15 and above (MIC, population statistics, March 1, 2022 estimate) ÷ FY3/2022 Annual Unique Users 15 million.
※6) The number of individual unique users of NP Atobarai (BtoC service) based on the matching of duplicative names and phone numbers during FY2021 (April 1, 2021 to March 31, 2023).
※7) The number of Japanese companies 3.67 million (METI 2022 White Paper on Small and Medium Enterprises) ÷ FY2022 BtoB merchant clients of 570 thousands.
※8) The number of BtoB merchant clients, to whom NP Kakebarai has issued one or more invoices during April 1, 2022 to March 31, 2023. Merchant clients are identified via registered corporate name.

Business Activities