Postpaid apps are really convenient, right? You can shop with just your smartphone even without cash, and you can bundle your payments for the next month, which is helpful. It's also great that people who don't have a credit card can use them. But you're probably wondering how much the fees are, and whether you can use them without a real credit check. So, we've compared the top 10 popular postpaid apps based on ease of starting to use, fees, installment options, and management convenience. This should help you find the best postpaid app that suits your needs.

The easiest to use is Paidy. You can shop on the same day you register, and choosing bank transfer means zero fees. It’s versatile because you can use it on Amazon and in physical stores. Installments are free up to 12 payments, so you can pay for high-priced items without stress. The fact that Apple product installments are also free up to 36 payments is a strong selling point.

Next is atcara. You can start using it in as little as an hour, and bank transfer also has no fees. The initial credit limit is quite high at 55,000 yen, making it suitable for those wanting to make larger purchases. Once you become a member, you can split payments up to 36 times, with no fees for up to 6 installments.

For BASE users, Pay ID is perfect. You can start using it immediately, and bank transfer has zero fees. It supports up to 3 installments for free, allowing you to plan your payments. Payment deadline notifications are sent via email, reducing the risk of forgetting to pay.

If you frequently shop at FamilyMart, FamiPay’s next-month payment is recommended. It can be used not only at FamilyMart but also at restaurants and e-commerce sites, with a 1.00% point cashback. Payments up to 2 installments are fee-free, making it easy to split payments.

NP Postpay is a postpaid app usable at about 200,000 online stores. The biggest advantage is that there are no fees. However, it doesn’t support installment payments, so high-priced items must be paid in full—something to keep in mind. You also earn 0.50% points back, which can be quite beneficial over time.

SCORE Postpay also has no fees and can be used on the same day. It supports multiple payment methods like Rakuten Pay and d Payment, so you can choose what’s most convenient for you. However, it also doesn’t support installment payments.

Kuroneko Payment Postpay is provided by Yamato. If you pay at convenience stores or post offices, there are no fees. The initial credit limit is also high at 55,000 yen, suitable for moderate shopping. But note that installment payments are not available.

atone (Atone) charges only 99 yen in fees for bank transfer. It can be used on Qoo10 and Muji, and if you register as a member, you can also use it at physical stores. Up to 3 installments are free, making repayment plans manageable. You also earn NP points, adding to the value.

Yahoo! Slow Payment is for users of Yahoo! Shopping and PayPay Mall. The fee is 254 yen, which is standard, but it might feel high for small purchases. It’s easier to handle for larger transactions, making it suitable for big shopping trips.

and ST Next Month Payment is exclusive to the and ST online shop. Its appeal is the quick approval process, which can be completed in as little as an hour. For high-value purchases, the fee burden is lighter, but for small amounts, the 297 yen fee might seem expensive.

Ultimately, choosing the best postpaid app depends on your frequently used services and preferred payment methods. If you prioritize low fees, opt for services that support bank transfers. If you want to use installment payments, choose apps with more installment options. Matching the app to your shopping habits is key to finding the best postpaid app recommendation.