• GMO PAYMENT GATEWAY

Added BNPL (buy now pay later payment) service "atokara" to Online Payment Service
~As with other payment method, it is possible to introduce it with a unified API and centrally manage it on the common management screen~

June 24, 2025

GMO Payment Gateway, Inc.

GMO Internet Group, which develops comprehensive payment-related services and finance-related services, GMO Payment Gateway, Inc. (TSE Prime Market: Securities Code: 3769, President & Chief Executive Officer: Issei Ainoura hereinafter referred to as "GMO-PG") will be released from June 24, 2025 (Tuesday) Online Payment Service PG Multi-Payment Service BNPL (*1) service "atokara" will be added as a new payment method.
" atokara" is a BNPL service that combines ease of use and flexibility jointly provided by three companies, Sumitomo Mitsui Card Company, Limited, GMO-PG, and its consolidated company GMO Payment Service, Inc..
" PG Multi-Payment Service" has been offering buy now pay later-type payment method in the past, but the addition of "atokara" that supports installment payments will further enhance that option.

Features of "atokara "
・ Purchasers who do not hold a credit card can also use it, and it supports installment payments up to 36 times up to 500,000 yen (*2).
・ WEB complete type that can be completed from use to billing via an app or dedicated website without using paper invoice
・ It is linked to V Point, and V Point can be used as 1 point = 1 yen at payment time

"PG Multi-Payment Service" provides an "OpenAPI type" connection method based on a unified API design, and payment method additional cost is reduced to one-tenth (*3) of the conventional system. It can be flexibly deployed with. Once implemented, all payment method can be centrally managed on a common management screen, and payouts can be processed at once. The atokara also supports this mechanism, and is operated efficiently and uniformly like other payment method, and is also available as a redirect connection method called Link Type Plus. With the addition of atokara, businesses will be able to respond to a wide range of consumer payment needs, and will contribute to expanding sales and improving the unit purchase price.

「atokara」 Detail page URL: https://www.gmo-pg.com/service/mulpay-atokara/

  • (*1) An abbreviation for "Buy Now Pay Later," which is the payment method of buy now pay later, which means "buy now, pay later."
  • The amount that can be used varies depending on the purchaser and is set within the range of 5~500,000 yen.
  • *3 According to GMO-PG research
Added BNPL (buy now pay later payment) service "atokara" to Online Payment Service

【Background and Summary】

In recent years, consumers' purchasing styles have diversified, and in addition to Credit card payment, QR code payment, CVS Payment, etc., there is also a growing need for buy now pay later-type payment services. Against this backdrop, there is a growing trend among business operators to diversify their payment methods.
GMO-PG has been working to provide a variety of payment method and support for their introduction and operation through "PG Multi-Payment Service", and the addition of "atokara" is expected to further improve convenience by expanding buyers' choices regarding the timing and method of payment. In particular, it is expected that the ability to respond to those who do not use Credit card payment and those who want flexibility in payment timing will increase, and new purchasing opportunities will be created.
GMO-PG will continue to work to develop an payment environment that meets diverse needs by expanding the functions of "PG Multi-Payment Service" and improving its convenience.

About atokara

"atokara" is a completely web-based deferred payment service that allows buyers to pay at convenience stores, Bank transfer, and Account transfer after purchasing and receiving products payment You can:
In addition, by becoming a atokara member (*4), you can make long-term installments of up to 36 installments, and up to 6 installments are free (*5)​ ​(*6).

What is Buy Now, Pay Later Service atokara?

【PG Multi-Payment Service】

(URL:https://www.gmo-pg.com/service/mulpay/

It is an online comprehensive payment system for mail order and e-commerce sites that allows you to choose various payment methods such as Credit card payment and QR code payment. We are confident in our functionality, quality, and peace of mind. We can make a wide range of proposals, from the construction of online shops, mail order sites, and EC sites to solving problems, by interviewing people in all situations, such as "we are considering a new introduction," "you are already using the service," or "you need to add functions during operation." In terms of security, we provide a safe and secure payment environment from before payment to payment and after payment. We also comply with credit card security guidelines.

【GMO Payment Gateway】

We provide services based on payment that support online, cashless, DX, etc. The annual Transaction value exceeds 20 trillion yen, and Online Payment Service has been introduced to more than 150,000 merchants, including e-commerce businesses and public entity such as NHK and National Tax Agency.
As a leading company in the payment industry, we provide payment services in the Online Payment Service and face-to-face areas, buy now pay later BNPL (Buy Now Pay Later), financial institution BaaS Support to operating companies, strategic investment and financing to overseas advanced FinTech companies, etc., payment & finance We will drive social innovation through technology and contribute to the realization of a sustainable society and the progress and development of society. (As of the end of March 2025, consolidated figures)

【GMO Payment Gateway, Inc.】

GMO Payment Gateway, Inc. provides payment-related services that support the customer's online and cashless migration and digital transformation (DX). Annual transaction value exceeds 20 trillion yen and our online comprehensive payment services have been adopted by over 150,000 merchants such as EC operators and public institutions of NHK and National Tax Agency, etc.
As the leading company in the payment industry, we contribute to the advancement and realization of a sustainable society by driving social innovations using payment and financial technology through our services, such as online comprehensive payment service, payment services in the offline market, Buy Now Pay Later (BNPL), BaaS Support services to financial institutions and enterprises and strategic investment and lending to overseas leading-edge FinTech companies. (As of end-March 2025, consolidated figures)

[Press Inquiries]
GMO Payment Gateway, Inc.
Corporate Value Creation Strategy Headquarters, Public Relations Department
TEL
+81-3-3464-0182
Inquiry form
https://contact.gmo-pg.com/m?f=767
GMO Internet Group, Inc.
Group Public Relations Department PR Team Niino
TEL
+81-3-5456-2695
Contact us
https://www.group.gmo/contact/press-inquiries/
[Contact for inquiries regarding services]
GMO Payment Gateway, Inc.
Innovation Partners Division
TEL
+81-3-3464-2323
E-mail
info@gmo-pg.com

[GMO Payment Gateway, Inc.] (URL: https://www.gmo-pg.com/)

Corporate Name GMO Payment Gateway, Inc. (TSE Prime Market Securities Code: 3769)
Location 1-2-3 Dogenzaka, Shibuya-ku, Tokyo Shibuya Fukurasu
Representative President & Chief Executive Officer Issei Ainoura
Business Description ■ Comprehensive payment related services and finance related services
Capital 13,323 million yen

[GMO Internet Group, Inc.] (URL: https://www.group.gmo/

Corporate Name GMO Internet Group Co., Ltd. (TSE Prime Market Securities Code: 9449)
Location Cerulean Tower 26-1, Sakuragaoka-cho, Shibuya-ku, Tokyo
Representative Representative Director and Group Representative Masatoshi Kumagai
Business Description Holding Company (Group Management Functions)

■ Group Business Overview
Internet Infrastructure Business
Internet Security Business
Internet Advertising Business
Internet finance Business
Crypto assets Business
Capital 5 billion yen