# Atone (Net Protections) — Payment Provider

Japanese deferred payment (BNPL) service operated by Net Protections, Inc. Allows consumers to buy now and pay later at convenience stores or via bank transfer. Processes over 640 million transactions annually.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Japanese Deferred Payments
- **Fees:** 209 JPY for convenience store payments, 99 JPY for bank transfers
- **Fee model:** custom
- **Headquarters:** Tokyo, Japan
- **Founded:** 2018
- **Sandbox:** yes
- **Webhooks:** yes
- **Categories:** regional
- **Regions:** asia
- **Countries served:** 1 (JP)
- **Payment methods:** bank_transfer
- **Features:** startup-friendly
- **Platforms:** online
- **API docs:** https://doc.apaylater.com/v2/

## Legal & compliance

1 legal entity on file. Licenses, regulators, registry records and legal-entity detail require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/atone#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=atone&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/atone

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)