{ "schema_version": "1.0", "slug": "payments/japan-bnpl-pay-later-operator-registry-matrix", "source_path": "payments/japan-bnpl-pay-later-operator-registry-matrix.md", "url": "https://finwiki.zksc.io/ja/payments/japan-bnpl-pay-later-operator-registry-matrix/", "html_url": "https://finwiki.zksc.io/ja/payments/japan-bnpl-pay-later-operator-registry-matrix/", "alternate_html_urls": { "ja": "https://finwiki.zksc.io/ja/payments/japan-bnpl-pay-later-operator-registry-matrix/", "en": "https://finwiki.zksc.io/en/payments/japan-bnpl-pay-later-operator-registry-matrix/" }, "github_url": "https://github.com/jasonhnd/finwiki/blob/main/payments/japan-bnpl-pay-later-operator-registry-matrix.md", "raw_markdown_url": "https://finwiki.zksc.io/payments/japan-bnpl-pay-later-operator-registry-matrix.md", "domain": "payments", "title": "Japan BNPL / pay-later operator registry matrix", "entry_type": "wiki_entry", "frontmatter": { "title": "Japan BNPL / pay-later operator registry matrix", "aliases": [ "payments/japan-bnpl-pay-later-operator-registry-matrix", "japan-bnpl-pay-later-operator-registry-matrix", "Japan BNPL operator comparison registry", "個別信用購入あっせん業者 BNPL registry Japan", "Japan 後払い operator comparison matrix", "Japan BNPL pay-later top operators landscape", "Japan atobarai operator scorecard", "日本 BNPL 後払い事業者登録マトリクス" ], "domain": "payments", "type": null, "created": "2026-05-25", "last_updated": "2026-07-30", "last_tended": "2026-07-30", "review_by": "2026-10-27", "confidence": "certain", "tags": [ "payments", "matrix", "BNPL", "atobarai", "後払い", "installment-sales-act", "METI", "individual-credit-purchase", "registry", "Japan" ], "status": "active", "canonical_anchor": null, "related": [], "note": null, "sources": [ "https://www.meti.go.jp/policy/economy/consumer/credit/115tourokujigyousyaitiran.html", "https://www.meti.go.jp/policy/economy/consumer/credit/tourokukobetsuichiran.pdf", "https://www.meti.go.jp/policy/economy/consumer/credit/tourokuhoukatsuichiran.pdf", "https://www.meti.go.jp/policy/economy/consumer/credit/teiketsuichiran.pdf", "https://www.meti.go.jp/policy/economy/consumer/credit/kappuhanbaihoatobaraibunyanogaiyofaq.html", "https://www.meti.go.jp/policy/economy/consumer/credit/11kappuhanbaihou.html", "https://corp.netprotections.com/ir/", "https://www.atone.be/", "https://www.kuronekoyamato.co.jp/ytc/business/option/payment/", "https://www.gmo-pp.co.jp/", "https://paidy.com/", "https://komoju.com/ja/payments/atobarai/", "https://about.mercari.com/press/", "https://www.caa.go.jp/policies/policy/consumer_policy/caution/internet/trouble/payment.html", "https://www.fsa.go.jp/menkyo/menkyo.html" ] }, "summary": "Japan's BNPL / 後払い checkout label does not map to one license. METI explains that a credit-purchase intermediary generally pays the merchant and receives the consumer's payment over a period exceeding two months; the applicable Installment Sales Act regime therefore depends on the product's payment", "headings": [ "Japan BNPL / pay-later operator registry matrix", "TL;DR", "Wiki route", "Why this matrix matters", "Net Protections HD (NP 後払い, TSE PRIME 7383)", "atone (Net Protections subsidiary)", "Kuroneko Atobarai (Yamato Financial Holdings)", "GMO Postpay (GMO Payment Gateway group)", "Paidy (PayPal-owned)", "Komoju Atobarai (Degica)" ], "body_links": { "wikilinks_count": 56, "wikilinks": [ "INDEX", "business/gmo-internet-group", "business/gmo-internet-group\\", "card-issuers/aplus", "card-issuers/aplus\\", "card-issuers/credit-saison", "card-issuers/credit-saison\\", "card-issuers/jaccs", "card-issuers/jaccs\\", "card-issuers/mufg-nicos", "card-issuers/orico", "card-issuers/orico\\", "card-issuers/paypay-card", "card-issuers/paypay-card\\", "card-issuers/rakuten-card", "card-issuers/smbc-card", "megabanks/mizuho-fg", "megabanks/mizuho-fg\\", "megabanks/mufg", "megabanks/mufg\\", "payment-firms/atone", "payment-firms/atone\\", "payment-firms/gmo-payment-gateway", "payment-firms/gmo-payment-gateway\\", "payment-firms/gmo-postpay", "payment-firms/gmo-postpay\\", "payment-firms/kuroneko-atobarai", "payment-firms/kuroneko-atobarai\\", "payment-firms/mercari-hd", "payment-firms/mercari-hd\\", "payment-firms/merpay", "payment-firms/merpay\\", "payment-firms/net-protections-hd", "payment-firms/net-protections-hd\\", "payment-firms/paidy", "payment-firms/paidy\\", "payment-firms/paypal-pte-ltd-japan", "payment-firms/paypal-pte-ltd-japan\\", "payment-firms/paypay", "payment-firms/paypay\\", "payments/INDEX", "payments/cashless-jp-landscape", "payments/credit-purchase-card-operators-japan-index", "payments/funds-transfer-vs-prepaid-boundary", "payments/japan-bnpl-credit-purchase-boundary", "payments/japan-card-issuer-acquirer-processor-split", "payments/japan-card-security-authentication-controls", "payments/japan-card-security-authentication-controls\\", "payments/japan-consumer-credit-operator-comparison-matrix", "payments/japan-interchange-and-merchant-fee-stack", "payments/japan-jcb-issuer-ecosystem-positioning-matrix", "payments/japan-merchant-psp-competitive-scorecard", "payments/japan-payment-scheme-economics-matrix", "payments/psp-merchant-settlement-risk", "regional-banks/sbi-shinsei-bank", "regional-banks/sbi-shinsei-bank\\" ], "resolved_wikilinks": [ "https://finwiki.zksc.io/INDEX.md", "https://finwiki.zksc.io/ja/business/gmo-internet-group/", "https://finwiki.zksc.io/ja/card-issuers/aplus/", "https://finwiki.zksc.io/ja/card-issuers/credit-saison/", "https://finwiki.zksc.io/ja/card-issuers/jaccs/", "https://finwiki.zksc.io/ja/card-issuers/mufg-nicos/", "https://finwiki.zksc.io/ja/card-issuers/orico/", "https://finwiki.zksc.io/ja/card-issuers/paypay-card/", "https://finwiki.zksc.io/ja/card-issuers/rakuten-card/", "https://finwiki.zksc.io/ja/card-issuers/smbc-card/", "https://finwiki.zksc.io/ja/megabanks/mizuho-fg/", "https://finwiki.zksc.io/ja/megabanks/mufg/", "https://finwiki.zksc.io/ja/payment-firms/atone/", "https://finwiki.zksc.io/ja/payment-firms/gmo-payment-gateway/", "https://finwiki.zksc.io/ja/payment-firms/gmo-postpay/", "https://finwiki.zksc.io/ja/payment-firms/kuroneko-atobarai/", "https://finwiki.zksc.io/ja/payment-firms/mercari-hd/", "https://finwiki.zksc.io/ja/payment-firms/merpay/", "https://finwiki.zksc.io/ja/payment-firms/net-protections-hd/", "https://finwiki.zksc.io/ja/payment-firms/paidy/", "https://finwiki.zksc.io/ja/payment-firms/paypal-pte-ltd-japan/", "https://finwiki.zksc.io/ja/payment-firms/paypay/", "https://finwiki.zksc.io/ja/domains/payments/", "https://finwiki.zksc.io/ja/payments/cashless-jp-landscape/", "https://finwiki.zksc.io/ja/payments/credit-purchase-card-operators-japan-index/", "https://finwiki.zksc.io/ja/payments/funds-transfer-vs-prepaid-boundary/", "https://finwiki.zksc.io/ja/payments/japan-bnpl-credit-purchase-boundary/", "https://finwiki.zksc.io/ja/payments/japan-card-issuer-acquirer-processor-split/", "https://finwiki.zksc.io/ja/payments/japan-card-security-authentication-controls/", "https://finwiki.zksc.io/ja/payments/japan-consumer-credit-operator-comparison-matrix/", "https://finwiki.zksc.io/ja/payments/japan-interchange-and-merchant-fee-stack/", "https://finwiki.zksc.io/ja/payments/japan-jcb-issuer-ecosystem-positioning-matrix/", "https://finwiki.zksc.io/ja/payments/japan-merchant-psp-competitive-scorecard/", "https://finwiki.zksc.io/ja/payments/japan-payment-scheme-economics-matrix/", "https://finwiki.zksc.io/ja/payments/psp-merchant-settlement-risk/", "https://finwiki.zksc.io/ja/regional-banks/sbi-shinsei-bank/" ], "external_links_count": 0, "external_links": [] }, "metrics": { "nonspace_chars": 36020, "word_like_tokens": 5828, "inbound_wikilinks_count": 3, "last_modified": "2026-07-30" } }