Installment buy now pay later service

atokara

atokara is a Payment After Delivery service that can be paid in installments, with GMO Payment Service and Sumitomo Mitsui Card managing the brand.
It supports installment payments of up to 36 times, contributing to the expansion of sales for merchants. Since everything from use to billing can be completed on the web, it also contributes to reducing the burden of work.
End users can easily use it with only a mobile phone number and an email address. V Point is expected to expand its use as a Payment After Delivery service that can be used.

Challenges like this can be overcome.
It can be solved

I want to know the most commonly used payment method
I want to introduce payment to my service

atokara 3 points

Significant reduction in billing operations and zero risk of non-collection

Since everything from the elimination of payment forms and use to payment is completed on the web, it is possible to minimize the operational burden on merchants.
GMO Payment Service will take care of the collection of payments to end users, and realize zero risk of non-collection for merchants.
Improvement of sales and purchase costs

It supports installment payments of up to 500,000 yen and up to 36 installments, making it suitable for products in the middle and high price ranges.
By adopting a flexible payment method, such as no installment fee for up to 6 installments, we will contribute to improving sales, unit purchase price, and user convenience.
V Point can be used

atokara is a Payment After Delivery service that works with "V Point", which is used by 86 million people ^*, and contributes to the acquisition of new customers.

* Number of annual users as of April 2024

Two types of usage to meet user needs

atokara offers two types of usage: the membership registration type, which allows you to pay in installments ^*1 by registering as a member in advance, and the credit type, which allows you to use the service immediately without registering as a member.
In both cases, after purchasing and receiving the product, the end user simply pays the usage fee for the month of purchase at a convenience store or payment from Bank transfer / Account transfer. This ease of use and flexible payment plan can be expected to improve the cost per purchase and convenience for end users.

	Membership registration type	Credit type ^*2
Age range	18 years of age or older
Membership Registration	necessity * When registering as a member, obtain information equivalent to or lower than credit card.	Not required
Spending Limit	Up to 500,000 yen * Established by screening	55,000 yen
Number of ^payments*3	1, 3, 4, 5, 6 ^, 10, 12, 15, 18, 20, 24, 30, 36 times No user split fee for up to 6 times	1 time
payment option	Convenience store payment, Bank transfer, Account transfer

*1 For installment payment fees, please check the" atokara" website.
*2 We will consult separately about whether or not to introduce a credit type each time.
*3 When paying at convenience stores and Bank transfer payment, the end user will also be charged a prescribed payment fee.