SB Payment Service Corp. (Minato-ku, Tokyo; President and CISO: Tomonori Hotta; “SBPS”) and Net Protections, Inc. (Chiyoda-ku, Tokyo; President and CEO: Shin Shibata; “Net Protections”) have entered into a comprehensive agreement to integrate SBPS’s online payment service with Net Protections’ Buy Now Pay Later (BNPL) service, atone.Through this partnership, SBPS merchants can seamlessly implement atone to reach the non-credit card user segment and reduce cart abandonment through a frictionless checkout experience. This integration is designed to drive new customer acquisition and increase Gross Merchandise Value (GMV) for merchants. SBPS is scheduled to begin accepting applications for “atone” starting late June 2026.

Background and Objectives

As the e-commerce market expands, demand for BNPL services has surged among consumers who either do not own credit cards or prefer not to enter card information online.
By partnering with SBPS; one of Japan’s leading Payment Service Providers, merchants can now add atone to the portfolio of over 40 payment brands. For users, atone offers the flexibility to pay after receiving the purchased goods. For merchants, it provides an instant, registration-free checkout process that significantly lowers drop-off rates and expands the potential customer base.

Strategic Value of the Partnership

  1. For Merchants: Simplified Implementation and Operations
    Merchants can deploy atone via SBPS without separate contracts or complex system development. Sales and settlements are centralized, allowing for unified management alongside other SBPS-supported payment methods.​​​​​​​​
  2. For Merchants: Reduced Cart Abandonment and Higher Conversions ​​​​
    With atone, users can complete transactions using only a mobile number and email. This convenience maximizes conversion rates by removing barriers at checkout. Additionally, Net Protections provides a 100% payment guarantee, eliminating credit risk for the merchant. *¹​​​​​​​​​​​​
  3. For Users: Secure, Cardless Payments with Rewards
    Consumers without credit cards can easily access digital content and streaming services. Payments are consolidated into a single monthly bill payable at convenience stores. Furthermore, users earn NP Points (1 point per 200 yen), which can be used as a "1 point = 1 yen" discount on future purchases.​​​​​

About SB Payment Service Corp.​​

SBPS is a payment service provider that offers a diverse range of payment methods, including credit card payments, carrier billing, and QR code payments for e-commerce businesses and physical stores. Leveraging its strengths as a SoftBank Corp. group company, SBPS builds a safe and secure payment environment by providing advanced payment systems and value-added services such as AI-driven fraud detection. ​​​​
For more information about SB Payment Service: https://www.sbpayment.jp/en/top-gl/

About atone

atone, provided by Net Protections, is a Buy Now Pay Later (BNPL) service available for both online and in-store purchases. Users can complete their purchases immediately and pay later without registering a bank account, credit card, or adding funds. For merchants, atone helps reduce cart abandonment by making checkout easier for customers who might otherwise leave without completing their purchase. In physical stores, atone supports cashless payments even for customers who have credit cards but prefer not to use them. Additionally, atone’s reward points program makes it easier for merchants to attract new customers and encourage repeat purchases.​​​
 For more information about atone: https://atone.be/(Japanese only)

* QR Code is a registered trademark of DENSO WAVE INCORPORATED. ​​
* Other company, product, and service names are trademarks or registered trademarks of their respective owners.
​

About SB Payment Service Corp.​

Company Name 　　: SB Payment Service Corp.
Representative.  　 : Tomonori Hotta, President and CISO​ ​ ​​​ ​
Website           : https://www.sbpayment.jp/en/top-gl/
Business Description : Payment services, collection agency services, and related   businesses
Founded   : October 2004
Capital : JPY 6,075 Million ​​​
Head Office  　 : Tokyo Portcity Takeshiba Office Tower, 1-7-1 Kaigan, Minato-ku,    Tokyo

About Net Protections, Inc.

Company Name : Net Protections, Inc. (Net Protections Holdings, Inc.
([Code: 7383, the Prime Market of the Tokyo Stock Exchange] Group)
Representative : Shin Shibata, CEO
Website 　　 ：https://corp.netprotections.com/en/
Business Description : Provision of Buy Now Pay Later (BNPL) services
Founded 　　：January 2000
Capital  　: JPY 100 million
Head Office  　: Sumitomo Fudosan Kojimachi First Building 5th Floor, 4-2-6 　Kojimachi, Chiyoda-ku, Tokyo 102-0083, Japan

Direct any inquiries regarding this release to:

Net Protections PR ​
Email: pr@netprotections.co.jp ​

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