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) Aggregate number of transactions for NP Atobarai, NP Atobarai air, atone, NP Kakebarai, and AFTEE on a cumulative basis (from the service start to March 31, 2021).
※2) Annual GMV, Total merchants, and Annual Transactions: the total of services for BtoC transactions and services for BtoB transactions during FY2020.
※3) AFTEE's financial figures are converted to JPY on a monthly basis using the rate at the end of the previous month.
※4) Approximately 1 in 7 people: population of 110.48 million people aged 15 and above (MIC, population statistics, 2021/4/1 estimate) ÷ FY2020 Annual Unique Users 15.8 million.
※5) The number of individual unique users of NP Atobarai (BtoC service) based on the matching of duplicative names and phone numbers during FY2020 (April 1, 2020 to March 31, 2021).
※6) Approximately 1 in 8 merchant clients: # of Japanese companies 3.59 million (METI 2019 White Paper on Small and Medium Enterprises) ÷ FY2020 BtoB merchant clients of 410 thousands
※7) The number of BtoB merchant clients, to whom NP Kakebarai has issued one or more invoices during April 1, 2020 to March 31, 2021. Merchant clients are identified via registered corporate name.

Business Activities