atone

pmt_atone
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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:
Initiation:
Users
1.0M
Markets
1
TPV
$37M
Transactions
2.3M

Estimated Monthly Usage, Aurato Research, October 2026

Historical trends

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

Standards