BNPL service is a type of payment that allows customers to make payment after receiving goods.
Our BNPL services guarantee risk-free transactions and streamline the complicated billing/payment process between merchants and customers. We support merchants' business growth and expansion through our services.
We provide BNPL services optimized for individuals, businesses, e-commerce, physical stores, etc.
*1 Calculated as the ratio of Approx. 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 Statistics Bureau, Ministry of Internal Affairs and Communications as of April 1, 2025).
*2 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 the Ministry of Internal Affairs and Communications and the Ministry of Economy, Trade and Industry).
*3 Based on our annual GMV for FY2023 from Deloitte Tohmatsu MIC Research Institute “MIC IT Report November 2024 – Survey on BtoB Payment Service Provider Market (https://mic-r.co.jp/micit/2024/).”
We are developing our business speedily by utilizing the assets accumulated through NP Atobarai.
BtoC E-Commerce BNPL Service, NP Atobarai
Introduction
Customers can use the service without sign-up and will receive an invoice for each purchase. Payment is due within 14 days.
Market: grocery, health & wellness products, cosmetics, fashion, etc.
Value Proposition
Customers can easily use NP Atobarai without credit card. It is safe and convenient because payment is made after the arrival of goods. If a customer chooses NP Atobarai as a payment method, merchant can outsource all the billing-related operations of the transaction, ranging from credit grant, issuance of bills, cash receipt control through demand notice, as part of NP Atobarai service. Furthermore, the service can contribute to new customer acquisition and sales growth by addressing the BNPL needs of customers.
Revenue Model
We receive from merchant a monthly fixed fee and a service fee based on the purchase price (=GMV) of a product/service received from a customer.
BtoC BNPL Service for E-Commerce / Physical Stores, atone
Introduction
Customers can use the service without sign-up and will receive an invoice for each purchase. Payment is due within 10 days. Next month payment and other benefits are available for members.
Market: cosmetics, digital contents, hobby
Value Proposition
Customer can use the BNPL payment service with registration to consolidate their purchases into a single invoice in the month and pay in the following month. The payment records via atone can be managed in atone's mobile app. NP points are also redeemable on the next shopping.
Offering the reward point encourages repeat purchases, and merchants can expect a further increase in sales with this payment method.
atone also has a high market potential because it is a membership service and handles a wider range of products than NP Atobarai. It is also applicable at offline retailers by using a QR code.
※Market size of E-commerce/service/digitial contents: Ministry of Economy, Trade and Industry (METI) “Digital transaction market report“(July 30, 2021)
※Volume of retail market JPY146tn (Ministry of Economy, Trade and Industry (METI) “Japan retail sales report 2020”) × Cashless ratio 26.8% (Payments Japan Association “Cashless Roadmap 2021“)
AFTEE: BtoC BNPL service in Taiwan
AFTEE offers a localization service based on the know-how of NP Atobarai and atone for Taiwan market. Customers can pay in full, or make a one-time payment while using AFTEE. AFTEE also provides monthly payment option for AFTEE members. AFTEE's mobile app is both a payment tool and a financial management tool.
Value Proposition
It is possible to complete member registration and pay on AFTEE app. Non-member customers can also easily complete the payment through SMS billing to pay at convenience stores or ATM/ Internet Banking.
BtoB BNPL Service, NP Kakebarai
A BtoB, BNPL payment service for low-value receivables.
Value Proposition
If company selects to pay with NP Kakebarai, billing-related operations, ranging from credit screening, issuing invoices, cash receipt control through demand notice can be outsourced to NP Kakebarai.
Advance registration is not required which makes it possible for the merchant to acquire new clients without losing sales opportunities.
Examples of companies choosing NP Kakebarai：
・E-commerce merchants with higher non-payment risk for BtoB purchases via unspecified numbers of clients
・Start-ups faced with increasing burden of payment driven by rapid business growth
・Wholesalers with heavy payment collection burden
Value Proposition
Merchant's client can easily use this BNPL paymnent service without advance registration. Applicable to paperless transaction drives digital transformation.
NP Kakebarai is an ideal payment method for merchants expecing to reduce cost by outsourcing the billing burden of collecting small amounts but in large volumes of receivables. Non-payment risk is completely hedged by Net Protections Group guaranteeing full payment to the merchant even if the merchant's client does not pay.
※Transactions that have passed our prescribed screening are eligible. If disputes arise between the merchant and the purchasing company regarding the transactions, or if there are any reasons specified in our terms and conditions regarding the transactions, the transactions are not eligible.
Revenue Model
We receive from merchant a monthly fixed fee and a service fee based on the purchase price (=GMV) of a product/service received from merchant's client.
※1 There is a possibility to set up the usage limit over JPY 30 million by overall evaluation.
※2 It is possible to be customized to each merchant clients.
OFFICIAL ACCOUNT
