Users
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atone is a Japanese deferred-payment service that lets shoppers buy from merchants and settle later. Phone-based checkout, eligible recurring purchases and an app-issued online card extend the service beyond a single store, with repayment channels and billing fees varying by option.
Use cases:
Channels:
Initiation:
Markets
1TPV
$37MTransactions
2.3MEstimated Monthly Usage, Aurato Research, October 2026
Capabilities
Initiation & Authentication
Funding & Requirements
Processing & Settlement
Transaction Management
Refunds & Disputes
Additional native capabilities
Markets
Estimated Monthly Usage, Aurato Research, October 2026
PSPs
No PSP implementations have been mapped for this method yet.
Schemes
Compliance
Regulator
Bank of Japan



