atone
With atone, you can pay after you receive your item,
so it's worry-free. Plus, you can earn points.
What is atone?
atone is an easy and convenient BNPL（Buy now pay later）service that can be used immediately with just a smartphone for online shopping. No credit card information registration is required for payment. Customers can choose between "pay-as-you-go" (pay-as-you-go) which can be used immediately without membership registration, and "pay-next-month" (pay-next-month) which allows for monthly payments after membership registration. Because payment is made after the goods arrive, it can be used with peace of mind by those without credit cards or those hesitant to enter card information online, making it attractive to a wide range of users. With over 8.57 million members (as of March 2026), atone features a unique point program and member-only promotional measures that strongly support everything from acquiring new customers to encouraging repeat purchases. atone Plus members, who require a separate screening process, can also use installment payments * at participating stores. Because payments can be made systematically, users are more likely to purchase high-priced items, contributing to increased sales for merchants.
- Click here for details on installment payments (this will take you to the atone official website).
atone payment process
With the atone system provided by our company, when a customer purchases goods from merchants 's online shop, the payment information is sent to atone (Net Protections) via our company, and the payment is processed. The customer confirms the necessary payment information via email/SMS, app, postcard, etc.*1 and pays the amount at a later date at a convenience store, bank transfer, or direct debit*2. Our company then deposits the amount minus a prescribed fee to merchants.
- 1 Click here for details on your payment method (this will take you to the atone official website).
- 2 Bank transfer is only available for payment in the following month.
Three benefits of atone
1. A simple payment experience that prevents "cart abandonment."
No credit card number is required; payment is completed using only your membership information. The smooth and stress-free payment flow, even when purchasing from a smartphone, contributes to improved purchase completion rates (reducing cart abandonment).
2. Customer acquisition and sales promotion support leveraging a membership base of 8.57 million people
We will create new customer touchpoints through promotional measures such as campaigns and merchant referrals targeting 8.57 million atone members (as of March 2026). This will not only help acquire new customers but also encourage repeat use through our points program.
3. 100% guarantee against non-recovery risk for peace of mind.
For transactions that pass the credit check, Net Protections, the operating company, guarantees 100% of the payment even if the customer defaults on payment. Businesses can implement the service with peace of mind, without bearing any risk.
Please feel free to contact us to find the best pricing plan for your company, free of charge.
atone service overview
atone offers two payment methods to choose from, depending on your needs.
| item | Pay later each time | Payment due next month |
|---|---|---|
| Payment process | Charged for each purchase | Billing is done monthly. (Lump sum / Installments) |
| Member Registration | Unnecessary | need |
| Payment method | Convenience store payment / Bank transfer | Convenience store payment, bank transfer, direct debit |
| Payment deadline | Within 10 days of request | Until the end of the following month |
| Point rewards | 0.5% * (* Obtained after member registration) |
0.5% With atone Plus, you get 1.5% |
| Pay later each time | Payment process: Charged for each purchase |
Membership registration: Unnecessary |
Payment methods: Convenience store payment / Bank transfer |
Payment deadline: Within 10 days of request |
Point rewards: 0.5% * (* Earned after member registration) |
|---|---|---|---|---|---|
| Payment due next month | Payment process: Billing is done monthly (lump sum or installments). |
Membership registration: need |
Payment methods: Convenience store payment, bank transfer, direct debit |
Payment deadline: Until the end of the following month |
Point rewards: 0.5% With atone Plus, you get 1.5% |
Why SB Payment Service is chosen
1. A variety of payment methods can be introduced all at once
In addition to atone, we also handle a wide range of other payment methods, including Credit Card Payment and Mobile Carrier Billing. Furthermore, we act as an intermediary between you and each payment institution, handling everything from application and system connection to settlement operations. This reduces the workload merchants, allowing them to focus on their core business.
2. Stable payment processing even during periods of heavy traffic
Our company provides a top-class payment system in Japan, boasting an annual transaction volume exceeding 11.4 trillion yen. Backed by extensive experience, our high reliability allows us to withstand sudden spikes in traffic and prevent lost sales opportunities.
3. Comprehensive security measures
SB Payment Service's information security management system has been certified under international standards and is recognized as being advanced and meets global standards. With a track record of running the SoftBank Group's payment systems, we provide peace of mind to merchants.
Atone's fees and implementation process
Atone charges
Implementing atone involves initial fees, monthly fees, and transaction fees. These fees vary depending on your industry and transaction volume, so please feel free to contact us for more information.
Initial fee
Costs required for the first month of implementation when introducing payment
Monthly cost
Monthly fixed costs related to the use and operation of the payment system
commission
Settlement fee
Fees paid to the payment company (based on the payment amount)
Payment service usage fee
Fee paid to us (incurred based on the payment amount)
Transaction costs
Payment processing fee between the merchant server and the payment company server for each payment
The process of implementing atone
The process for implementing atone, from application to service commencement, typically takes 3 weeks to 2 months. The timeframe may vary depending on the service details of merchants and the approval status of the chosen payment methods.
-
merchants inquiries
-
SBPS interviews and estimates
-
merchants Application
-
Our (SBPS) review
-
Our company (SBPS) system construction
-
merchants connect to the system/start using it
In addition, we will provide you with a quote for usage fees (commissions, etc.) after hearing your details, so please feel free to contact us.
Please feel free to contact us to find the best pricing plan for your company, free of charge.
atone provided features
| Connection methods | |
|---|---|
| Link type | API type |
| ○ | - |
| Billing methods | ||
|---|---|---|
| Pay-as-you-go | Recurring (simple) | Recurring (fixed / metered) |
| ○ | - | - |
| Settlement methods | |
|---|---|
| Automatic | Specified |
| ○ | ○ |
| Available websites | ||
|---|---|---|
| PC | Smartphone | Mobile phone |
| ○ | ○ | - |
| Connection methods | Link type | ○ | API type | - | |
|---|---|---|---|---|---|
| Billing methods | Pay-as-you-go | ○ | Recurring (simple) | - | Recurring (fixed / metered) | - | ||
|---|---|---|---|---|---|---|---|---|
| Settlement methods | Automatic | ○ | Specified | ○ | |
|---|---|---|---|---|---|
| Available websites | PC | ○ | Smartphone | ○ | Mobile phone | - | ||
|---|---|---|---|---|---|---|---|---|
Other recommended payment services besides atone
In addition to atone, we'll introduce some other recommended payment services.
-
It is a payment service that utilizes PayPay accounts and applications. It reduces the trouble of entering information and prevents customers from dropping their baskets.
PayPay (Online Payment)
-
This is a payment service for customers who have a Rakuten ID. You can collect and use Rakuten Super Points.
RakutenPay (Online)
-
An online payment service that allows you to easily make payments from pre-charged au PAY balances.
au Pay (Online Payment)
-
Amazon Pay is a simple and convenient payment service that uses your Amazon account.
Amazon Pay
-
A payment service that allows you to register a credit card on your iPhone and make payments. One-touch payment is possible with biometric authentication or passcode authentication.
Apple Pay
-
It is a payment service that allows you to pay for products etc. using the credit card information registered in your Google account.
Google Pay
FAQ
- Q.
- Is there a spending limit for customers using atone?
- A.
- Your spending limit will vary depending on your usage. Regardless of your spending limit, atone conducts a review for each order, and the review results will vary depending on your usage and the type of product you purchase.
- Q.
- If we implement atone through SB Payment Service, will customers still receive NP points?
- A.
- Yes, NP points will be awarded to customers when they pay using atone, which is provided by our company.
If you have any other questions, please check our FAQs.
If you are considering introducing payment
Please feel free to contact us
Please contact us to download detailed information about our services and to discuss costs and implementation.