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Japan Buy Now Pay Later Business and Investment Opportunities Databook - 90+ KPIs on BNPL Market Size, End-Use Sectors, Market Share, Product Analysis, Business Model, Demographics - Q1 2026 Update- Product Image
Japan Buy Now Pay Later Business and Investment Opportunities Databook - 90+ KPIs on BNPL Market Size, End-Use Sectors, Market Share, Product Analysis, Business Model, Demographics - Q1 2026 Update- Product Image
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Japan Buy Now Pay Later Business and Investment Opportunities Databook - 90+ KPIs on BNPL Market Size, End-Use Sectors, Market Share, Product Analysis, Business Model, Demographics - Q1 2026 Update

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    Report

  • 101 Pages
  • January 2026
  • Region: Japan
  • PayNXT360
  • ID: 5304993
Description Jump to:
The BNPL payment market in Japan is expected to grow by 25.8% on annual basis to reach US$20.13 billion in 2026.

The buy now pay later market in the country has experienced robust growth during 2022-2025, achieving a CAGR of 28.5%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 21.3% from 2026-2031. By the end of 2031, the BNPL sector is projected to expand from its 2025 value of USD 16.00 billion to approximately USD 52.85 billion.

This report provides a detailed data-centric analysis of the Buy Now Pay Later (BNPL) industry in Japan, covering market opportunities and risks across a range of retail categories. With over 90+ KPIs at the country level, this report provides a comprehensive understanding of BNPL market dynamics, market size and forecast, and market share statistics.

It breaks down market opportunities by type of business model, sales channels (offline and online), and distribution models. In addition, it provides a snapshot of consumer behaviour and retail spending dynamics. KPIs in both value and volume terms help in getting an in-depth understanding of end market dynamics.

The research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to offer a detailed view of emerging business and investment market opportunities.

Report Scope

This report provides in-depth, data-centric analysis of Buy Now Pay Later industry in Japan through 58 tables and 82 charts. Below is a summary of key market segments.

Japan Retail Industry & Ecommerce Market Size and Forecast

  • Retail Industry - Spend Value Trend Analysis
  • Buy Now Pay Later Share of Retail Industry
  • Ecommerce - Spend Value Trend Analysis
  • Buy Now Pay Later Share of Ecommerce

Japan Buy Now Pay Later Market Size and Industry Attractiveness

  • Gross Merchandise Value Trend Analysis
  • Average Value Per Transaction Trend Analysis
  • Transaction Volume Trend Analysis
  • Market Share Analysis by Key Players

Japan Buy Now Pay Later Revenue Analysis

  • Buy Now Pay Later Revenues
  • Buy Now Pay Later Share by Revenue Segments
  • Buy Now Pay Later Revenue by Merchant Commission
  • Buy Now Pay Later Revenue by Missed Payment Fee Revenue
  • Buy Now Pay Later Revenue by Pay Now & Other Income

Japan Buy Now Pay Later Operational KPIs

  • Buy Now Pay Later Active Consumer Base
  • Buy Now Pay Later Bad Debt

Japan Buy Now Pay Later Spend Analysis by Business Model

  • Two-Party Business Model
  • Third-Party Business Model

Japan Buy Now Pay Later Spend Analysis by Purpose

  • Convenience
  • Credit

Japan Buy Now Pay Later Spend Analysis by Merchant Ecosystem

  • Open Loop System
  • Closed Loop System

Japan Buy Now Pay Later Spend Analysis by Distribution Model

  • Standalone
  • Banks & Payment Service Providers
  • Marketplaces

Japan Buy Now Pay Later Spend Analysis by Channel

  • Online Channel
  • POS Channel

Japan Buy Now Pay Later By End-Use Sector: Market Size and Forecast

  • Retail Shopping
  • Home Improvement
  • Travel
  • Media and Entertainment
  • Services
  • Automotive
  • Health Care and Wellness
  • Others

Japan Buy Now Pay Later By Retail Product Category: Market Size and Forecast

  • Apparel, Footwear & Accessories
  • Consumer Electronics
  • Toys, Kids, and Babies
  • Jewelry
  • Sporting Goods
  • Entertainment & Gaming
  • Other

Japan Buy Now Pay Later Analysis by Consumer Attitude and Behaviour

  • Spend Share by Age Group
  • Spend Share by Default Rate by Age Group
  • Spend Share by Income
  • Gross Merchandise Value Share by Gender
  • Adoption Rationale
  • Spend by Monthly Expense Segments
  • Average Number of Transactions per User Annually
  • BNPL Users as a Percentage of Total Adult Population

Reasons to Buy

  • Strategic and Innovation Insights: Gain clarity on the future direction of Japan's Buy Now Pay Later market by analysing strategic initiatives, business model evolution, and innovation-led approaches adopted by key BNPL providers to strengthen market positioning.
  • Comprehensive Understanding of BNPL Market Dynamics in Japan: Assess market size, growth outlook, and structural shifts across retail and e-commerce, supported by detailed segmentation by channel, business model, distribution model, merchant ecosystem, end-use sector, and consumer demographics, underpinned by 90+ KPIs.
  • Value and Volume-Based KPIs for Market Accuracy: Leverage a robust set of value and volume KPIs, including GMV, average transaction value, transaction volume, active users, revenue, and bad debt, to develop a precise understanding of BNPL adoption, usage intensity, and market maturity.
  • Competitive Landscape Assessment: Obtain a clear snapshot of the BNPL competitive landscape in Japan, including market share analysis of leading providers, enabling informed benchmarking and evaluation of market concentration and competitive intensity.
  • Actionable Inputs for Market Entry and Expansion Strategies: Identify high-growth categories, priority end-use sectors, and distribution channels to fine-tune go-to-market and partnership strategies, while assessing key trends, regulatory considerations, and risk factors shaping the BNPL ecosystem.
  • In-Depth Consumer Behaviour Analysis: Enhance ROI by understanding evolving consumer attitudes and spending behaviour, with insights into BNPL adoption drivers, usage frequency, income and age-based usage patterns, gender splits, and monthly expense segmentation.

Table of Contents

1. About this Report
1.1 Summary
1.2 Methodology
1.3 Definition
1.4 Disclaimer
2. Japan Retail Industry & Ecommerce Market Size and Forecast, 2022-2031
2.1 Japan Retail Industry - Spend Value Trend Analysis, 2022-2031
2.2 Japan Buy Now Pay Later Share of Retail Industry, 2022-2031
2.3 Japan Ecommerce - Spend Value Trend Analysis, 2022-2031
2.4 Japan Buy Now Pay Later Share of Ecommerce, 2022-2031
3. Japan Buy Now Pay Later Industry Attractiveness, 2022-2031
3.1 Japan Buy Now Pay Later - Gross Merchandise Value Trend Analysis, 2022-2031
3.2 Japan Buy Now Pay Later - Average Value Per Transaction Trend Analysis, 2022-2031
3.3 Japan Buy Now Pay Later - Transaction Volume Trend Analysis, 2022-2031
3.4 Japan Buy Now Pay Later Market Share Analysis by Key Players, 2025
4. Japan Buy Now Pay Later Operational KPIs, 2022-2031
4.1 Buy Now Pay Later Revenues, 2022-2031
4.2 Buy Now Pay Later Share by Revenue Segments
4.2.1 Buy Now Pay Later Revenue by Merchant Commission, 2022-2031
4.2.2 Buy Now Pay Later Revenue by Missed Payment Fee Revenue, 2022-2031
4.2.3 Buy Now Pay Later Revenue by Pay Now & Other Income, 2022-2031
4.3 Buy Now Pay Later Active Consumer Base, 2022-2031
4.4 Buy Now Pay Later Bad Debt, 2022-2025-2031
5. Buy Now Pay Later Spend Analysis by Business Model, 2022-2031
5.1 Buy Now Pay Later Two-Party Business Model, 2022-2031
5.2 Buy Now Pay Later Third-Party Business Model, 2022-2031
6. Buy Now Pay Later Spend Analysis by Purpose, 2022-2031
6.1 Buy Now Pay Later Convenience, 2022-2031
6.2 Buy Now Pay Later Credit, 2022-2031
7. Buy Now Pay Later Spend Analysis by Merchant Ecosystem, 2022-2031
7.1 Buy Now Pay Later by Open Loop System, 2022-2031
7.2 Buy Now Pay Later by Closed Loop System, 2022-2031
8. Buy Now Pay Later Spend Analysis by Distribution Model, 2022-2031
8.1 Buy Now Pay Later by Standalone, 2022-2031
8.2 Buy Now Pay Later by Banks & Payment Service Providers, 2022-2031
8.3 Buy Now Pay Later by Marketplaces, 2022-2031
9. Japan Buy Now Pay Later Spend Analysis by Channel, 2022-2031
9.1 Buy Now Pay Later Market Share by Channel, 2022-2031
9.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2022-2031
9.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2022-2031
10. Japan Buy Now Pay Later Snapshot by End-Use Sector, 2022-2031
10.1 Buy Now Pay Later Market Share by End-Use Sector, 2025
10.2 Buy Now Pay Later Sales Uplift by End-Use Segment, 2025
11. Japan Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2022-2031
11.1 Japan Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis, 2022-2031
11.2 Japan Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis, 2022-2031
11.3 Japan Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis, 2022-2031
12. Japan Buy Now Pay Later Market Size and Forecast by Retail Product Categories, 2022-2031
12.1 Buy Now Pay Later Share by Retail Product Category, 2025
12.2 Japan Buy Now Pay Later by Retail Product Categories - Average Order Value Trend Analysis, 2025
12.3 Japan Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis, 2022-2031
12.4 Japan Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis, 2022-2031
12.5 Japan Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis, 2022-2031
12.6 Japan Buy Now Pay Later Retail Shopping - Jewellery - Gross Merchandise Value Trend Analysis, 2022-2031
12.7 Japan Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis, 2022-2031
12.8 Japan Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis, 2022-2031
12.9 Japan Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis, 2022-2031
13. Japan Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2022-2031
13.1 Japan Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis, 2022-2031
13.2 Japan Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis, 2022-2031
13.3 Japan Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis, 2022-2031
14. Japan Buy Now Pay Later in Travel: Market Size and Forecast, 2022-2031
14.1 Japan Buy Now Pay Later Travel - Gross Merchandise Value Trend Analysis, 2022-2031
14.2 Japan Buy Now Pay Later Travel - Average Value Per Transaction Trend Analysis, 2022-2031
14.3 Japan Buy Now Pay Later Travel - Transaction Volume Trend Analysis, 2022-2031
15. Japan Buy Now Pay Later in Media & Entertainment: Market Size and Forecast, 2022-2031
15.1 Japan Buy Now Pay Later Media & Entertainment - Gross Merchandise Value Trend Analysis, 2022-2031
15.2 Japan Buy Now Pay Later Media & Entertainment - Average Value Per Transaction Trend Analysis, 2022-2031
15.3 Japan Buy Now Pay Later Media & Entertainment - Transaction Volume Trend Analysis, 2022-2031
16. Japan Buy Now Pay Later in Service: Market Size and Forecast, 2022-2031
16.1 Japan Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis, 2022-2031
16.2 Japan Buy Now Pay Later Service - Average Value Per Transaction Trend Analysis, 2022-2031
16.3 Japan Buy Now Pay Later Service - Transaction Volume Trend Analysis, 2022-2031
17. Japan Buy Now Pay Later in Automotive: Market Size and Forecast, 2022-2031
17.1 Japan Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis, 2022-2031
17.2 Japan Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis, 2022-2031
17.3 Japan Buy Now Pay Later Automotive - Transaction Volume Trend Analysis, 2022-2031
18. Japan Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2022-2031
18.1 Japan Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis, 2022-2031
18.2 Japan Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis, 2022-2031
18.3 Japan Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis, 2022-2031
19. Japan Buy Now Pay Later in Others: Market Size and Forecast, 2022-2031
19.1 Japan Buy Now Pay Later Others - Gross Merchandise Value Trend Analysis, 2022-2031
19.2 Japan Buy Now Pay Later Others - Average Value Per Transaction Trend Analysis, 2022-2031
19.3 Japan Buy Now Pay Later Others - Transaction Volume Trend Analysis, 2022-2031
20. Japan Buy Now Pay Later Analysis by Consumer Attitude and Behaviour, 2022-2031
20.1 Buy Now Pay Later Spend Share by Age Group, 2025
20.1.1 Japan Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis, 2022-2031
20.1.2 Japan Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis, 2022-2031
20.1.3 Japan Buy Now Pay Later by Age Group - Gen X (45-60) - Gross Merchandise Value Trend Analysis, 2022-2031
20.1.4 Japan Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis, 2022-2031
20.2 Buy Now Pay Later Spend Share by Default Rate by Age Group, 2025
20.3 Buy Now Pay Later Share by Income, 2025
20.3.1 Japan Buy Now Pay Later by Income Level - Tier 1 - Gross Merchandise Value Trend Analysis, 2022-2031
20.3.2 Japan Buy Now Pay Later by Income Level - Tier 2 - Gross Merchandise Value Trend Analysis, 2022-2031
20.3.3 Japan Buy Now Pay Later by Income Level - Tier 3 - Gross Merchandise Value Trend Analysis, 2022-2031
20.4 Buy Now Pay Later Gross Merchandise Value Share by Gender, 2025
20.5 Buy Now Pay Later Adoption Rationale, 2025
20.6 Japan Buy Now Pay Later Market - Spend by Monthly Expense Segments, 2025
20.7 Japan Buy Now Pay Later - Average Number of Transactions per User Annually, 2025
20.8 Japan Buy Now Pay Later Users as a Percentage of Total Adult Population, 2025
21. Further Reading
21.1 About the Publisher
21.2 Related Research
List of Tables
Table 1: Japan Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 2: Japan Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2022-2031
Table 3: Japan Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2022-2031
Table 4: Japan Buy Now Pay Later - Revenues (US$ Million), 2022-2031
Table 5: Japan Buy Now Pay Later - Merchant Commission (US$ Million), 2022-2031
Table 6: Japan Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2022-2031
Table 7: Japan Buy Now Pay Later Pay Now & Other Income (US$ Million), 2022-2031
Table 8: Japan Buy Now Pay Later - Bad Debt (US$ Million), 2022-2025-2031
Table 12: Japan Buy Now Pay Later - Convenience (US$ Million), 2022-2031
Table 13: Japan Buy Now Pay Later - Credit (US$ Million), 2022-2031
Table 14: Japan Buy Now Pay Later - Open loop system (US$ Million), 2022-2031
Table 15: Japan Buy Now Pay Later - Closed loop system (US$ Million), 2022-2031
Table 16: Japan Buy Now Pay Later - Standalone (US$ Million), 2022-2031
Table 17: Japan Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2022-2031
Table 18: Japan Buy Now Pay Later - Marketplaces (US$ Million), 2022-2031
Table 19: Japan Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2022-2031
Table 20: Japan Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2022-2031
Table 21: Japan Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 22: Japan Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2022-2031
Table 23: Japan Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2022-2031
Table 24: Japan Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 25: Japan Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 26: Japan Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 27: Japan Buy Now Pay Later Retail Shopping - Jewelry - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 28: Japan Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 29: Japan Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 30: Japan Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 31: Japan Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 32: Japan Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2022-2031
Table 33: Japan Buy Now Pay Later Retail Shopping Home Improvement - Transaction Volume Trend Analysis (Thousand), 2022-2031
Table 34: Japan Buy Now Pay Later Travel - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 35: Japan Buy Now Pay Later Travel - Average Value Per Transaction Trend Analysis (US$), 2022-2031
Table 36: Japan Buy Now Pay Later Travel - Transaction Volume Trend Analysis (Thousand), 2022-2031
Table 37: Japan Buy Now Pay Later Media & Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 38: Japan Buy Now Pay Later Media & Entertainment- Average Value Per Transaction Trend Analysis (US$), 2022-2031
Table 39: Japan Buy Now Pay Later Media & Entertainment - Transaction Volume Trend Analysis (Thousand), 2022-2031
Table 40: Japan Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 41: Japan Buy Now Pay Later Service- Average Value Per Transaction Trend Analysis (US$), 2022-2031
Table 42: Japan Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2022-2031
Table 43: Japan Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 44: Japan Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2022-2031
Table 45: Japan Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2022-2031
Table 46: Japan Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 47: Japan Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2022-2031
Table 48: Japan Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2022-2031
Table 49: Japan Buy Now Pay Later Others - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 50: Japan Buy Now Pay Later Others - Average Value Per Transaction Trend Analysis (US$), 2022-2031
Table 51: Japan Buy Now Pay Later Others - Transaction Volume Trend Analysis (Thousand), 2022-2031
Table 52: Japan Total Gift Spend Analysis (US$ Million), 2022-2031
Table 53: Japan Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 54: Japan Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 55: Japan Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 56: Japan Buy Now Pay Later by Income Level - Tier 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 57: Japan Buy Now Pay Later by Income Level - Tier 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Table 58: Japan Buy Now Pay Later by Income Level - Tier 3 - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
List of Figures
Figure 1: Methodology Framework
Figure 2: Japan Retail Industry - Spend Value (US$), 2022-2031
Figure 3: Japan Buy Now Pay Later Share of Retail Industry (%), 2022-2031
Figure 4: Japan Ecommerce - Spend Value (US$), 2022-2031
Figure 5: Japan Buy Now Pay Later Share of Ecommerce, 2022-2031
Figure 6: Japan Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 7: Country> Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2022-2031
Figure 8: Japan Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2022-2031
Figure 9: Japan Buy Now Pay Later - Market Share Analysis by Key Players (%), 2025
Figure 10: Japan Buy Now Pay Later - Revenues (US$ Million), 2022-2031
Figure 11: Buy Now Pay Later Share - Revenue Segments (%), 2022-2031
Figure 12: Japan Buy Now Pay Later - Merchant Commission (US$ Million), 2022-2031
Figure 13: Japan Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2022-2031
Figure 14: Japan Buy Now Pay Later Pay Now & Other Income (US$ Million), 2022-2031
Figure 15: Japan Buy Now Pay Later - Active Consumer Base (Thousand), 2022-2031
Figure 16: Japan Buy Now Pay Later - Bad Debt (US$ Million), 2022-2025-2031
Figure 17: Japan Buy Now Pay Later Spend Analysis by Business Model (%), 2022-2031
Figure 18: Japan Buy Now Pay Later - Two-party Business Model (US$ Million), 2022-2031
Figure 19: Japan Buy Now Pay Later - Third-Party Business Model (US$ Million), 2022-2031
Figure 20: Japan Buy Now Pay Later Spend Analysis by Purpose (%), 2022-2031
Figure 21: Japan Buy Now Pay Later - Convenience (US$ Million), 2022-2031
Figure 22: Japan Buy Now Pay Later - Credit (US$ Million), 2022-2031
Figure 23: Japan Buy Now Pay Later Spend Analysis by Merchant Ecosystem (%), 2022-2031
Figure 24: Japan Buy Now Pay Later - Open loop system (US$ Million), 2022-2031
Figure 25: Japan Buy Now Pay Later - Closed loop system (US$ Million), 2022-2031
Figure 26: Japan Buy Now Pay Later Spend Analysis by Distribution Model (%), 2022-2031
Figure 27: Japan Buy Now Pay Later - Standalone (US$ Million), 2022-2031
Figure 28: Japan Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2022-2031
Figure 29: Japan Buy Now Pay Later - Marketplaces (US$ Million), 2022-2031
Figure 30: Japan Buy Now Pay Later - Gross Merchandise Value Market Share by Channel (%), 2022-2031
Figure 31: Japan Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2022-2031
Figure 32: Japan Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2022-2031
Figure 33: Japan Buy Now Pay Later - Market Share by End-Use Sector (%), 2025
Figure 34: Japan Buy Now Pay Later - Market Share by End-Use Segment (%), 2025
Figure 35: Japan Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 36: Japan Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2022-2031
Figure 37: Japan Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2022-2031
Figure 38: Japan Buy Now Pay Later - Market Share by Retail Product Category (%), 2025
Figure 39: Japan Buy Now Pay Later by Retail Product Categories - Average Order Value Trend Analysis (US$), 2025
Figure 40: Japan Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 41: Japan Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 42: Japan Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 43: Japan Buy Now Pay Later Retail Shopping - Jewelry- Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 44: Japan Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 45: Japan Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 46: Japan Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 47: Japan Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 48: Japan Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2022-2031
Figure 49: Japan Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis (Thousand), 2022-2031
Figure 50: Japan Buy Now Pay Later Travel - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 51: Japan Buy Now Pay Later Travel - Average Value Per Transaction Trend Analysis (US$), 2022-2031
Figure 52: Japan Buy Now Pay Later Travel - Transaction Volume Trend Analysis (Thousand), 2022-2031
Figure 53: Japan Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 54: Japan Buy Now Pay Later Media & Entertainment - Average Value Per Transaction Trend Analysis (US$), 2022-2031
Figure 55: Japan Buy Now Pay Later Media & Entertainment - Transaction Volume Trend Analysis (Thousand), 2022-2031
Figure 56: Japan Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 57: Japan Buy Now Pay Later Service - Average Value Per Transaction Trend Analysis (US$), 2022-2031
Figure 58: Japan Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2022-2031
Figure 59: Japan Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 60: Japan Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2022-2031
Figure 61: Japan Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2022-2031
Figure 62: Japan Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 63: Japan Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2022-2031
Figure 64: Japan Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2022-2031
Figure 65: Japan Buy Now Pay Later Others - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 66: Japan Buy Now Pay Later Others - Average Value Per Transaction Trend Analysis (US$), 2022-2031
Figure 67: Japan Buy Now Pay Later Others - Transaction Volume Trend Analysis (Thousand), 2022-2031
Figure 68: Japan Buy Now Pay Later - Share by Age Group in Value Terms (%), 2025
Figure 69: Japan Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 70: Japan Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 71: Japan Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 72: Japan Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 73: Japan Buy Now Pay Later - Share by Default Rate by Age Group in Value Terms (%), 2025
Figure 74: Japan Buy Now Pay Later - Share by Income Group in Value Terms (%), 2025
Figure 75: Japan Buy Now Pay Later by Income Level - Tier 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 76: Japan Buy Now Pay Later by Income Level - Tier 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 77: Japan Buy Now Pay Later by Income Level - Tier 3 - Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 78: Japan Buy Now Pay Later - Share by Gender in Value Terms (%), 2025
Figure 79: Buy Now Pay Later - Adoption Rationale by Value, 2025
Figure 80: Japan Buy Now Pay Later - Average Monthly Expense Segments, 2025
Figure 81: Japan Buy Now Pay Later - Average Number of Transactions per User Annually (No. of Transactions), 2025
Figure 82: Japan Buy Now Pay Later Users as a Percentage of Total Adult Population (%), 2025

Companies Mentioned

  • Paidy (PayPal)
  • TsukePay (ZOZO)
  • Merpay (Mercari Smart Payment)

Table Information

Report AttributeDetails
No. of Pages101
PublishedJanuary 2026
Forecast Period2026 - 2031
Estimated Market Value ( USD ) in 2026 $ 20.13 Billion
Forecasted Market Value ( USD ) by 2031 $ 52.85 Billion
Compound Annual Growth Rate21.3%
Regions CoveredJapan
No. of Companies Mentioned3

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