Back to all payment links
atoneJapan

Get paid with
atone.

Customers pay with their phones at convenience stores without a credit card, bank account, or advance payment.

Create your linkFree generator
Free to start Setup in 2 minutes Via Stripe · Mollie · PayPal
pay.payrequest.io/design-package
N
North Studio
Custom design package
Total
€650.00
at
Pay with atone
Selected
Pay €650.00
Definition

What is atone?

atone is a buy-now-pay-later service that lets customers split payments into instalments — while you get paid in full upfront.

atone is a buy-now-pay-later (BNPL) provider available in Japan. Your customer chooses atone at checkout, gets approved in seconds, and selects an instalment plan. Customers pay with their phones at convenience stores without a credit card, bank account, or advance payment.

With PayRequest, you can offer atone on every payment link. Send the link via WhatsApp, email, social or a QR code; when the customer opens it atone appears as a payment option alongside cards, iDEAL and digital wallets. atone pays you the full amount immediately and collects from the customer over their chosen instalment plan.

Offering atone typically lifts average order value 30–60% and reduces cart abandonment for higher-ticket purchases. PayRequest charges 0% — only the standard atone processing fee applies.

Why atone

Everything you need. Nothing extra.

Bigger basket sizes
BNPL lifts average order value 30–60% — splitting feels affordable.
You're paid upfront
The BNPL provider pays you immediately and collects from the customer.
Provider takes the risk
If the customer doesn't pay, the BNPL provider eats the loss — not you.
Mobile-first checkout
Optimised for the way people buy — minimal friction at decision time.
Reach new customers
BNPL appeals to younger and credit-shy customers who don't want to use a card.
No subscription needed
Pay-per-transaction — no monthly fee for offering BNPL on your link.
atone payment link

One link. atone ready.

  • Same payment link automatically offers atone alongside iDEAL, card, Apple Pay
  • Best for higher-ticket items — design work, photography, training, products over €100
  • Reduce abandoned carts — customers don't bail when they see a big total
  • atone handles all customer comms about instalments — you're not the bad guy if they're late
  • No separate atone contract required — connect via Stripe, Mollie, or your provider
Start free
3 steps
01
Create your link
Set the amount, add a description, choose atone as a payment method.
02
Share anywhere
WhatsApp, email, SMS, QR — copy the link, paste anywhere.
03
Get paid
Customer taps the link, pays with atone, money lands in your account.
FAQ

atone payment links

How does a atone payment link work?
Create a link in PayRequest. Your customer chooses atone at checkout, gets approved in seconds, and selects an instalment plan. atone pays you the full amount immediately and collects from the customer.
Do I get paid upfront?
Yes. atone pays you the full amount minus their fee, regardless of whether the customer pays the instalments on time. You're never on the hook for collections.
What does atone cost?
atone fees vary by country — typically 3-5% per transaction. Higher than card, but offset by 30%+ conversion lift and bigger basket sizes. PayRequest charges 0%.
What's the minimum and maximum amount?
Minimums start around €1; maximums depend on customer creditworthiness. atone decides each transaction in real-time — most B2C purchases between €30 and €5,000 are approved instantly.
Can I refund a atone payment?
Yes — refunds work like any other payment. Refund inside PayRequest, atone handles the customer-side adjustment of their instalment plan automatically.

Send a atone link in 60 seconds

Free to start. No card required. Connect your provider, share a link, get paid.

Get started freeSee all payment links