後払い en 30 secondes
- Atobarai means 'Pay Later' or deferred payment.
- Commonly used in Japanese online shopping with convenience store bills.
- Allows customers to inspect items before committing funds.
- Usually involves a small fee and a 14-day payment window.
The term 後払い (Atobarai) is a compound noun formed from the kanji 後 (after/later) and 払い (payment, from the verb 払う harau). In the Japanese commercial landscape, it refers to a specific system of deferred payment where the consumer receives the goods or services first and settles the bill later. Unlike credit cards, which are a form of credit line, atobarai in Japan often refers to a specific fintech service or a method where a paper invoice is mailed to the customer after delivery, which can then be paid at a convenience store (konbini), via bank transfer, or through a mobile app.
- Core Concept
- Payment made after the receipt of goods or services.
- Typical Usage
- Common in e-commerce (Rakuten, Mercari, Amazon Japan) and service industries.
- Grammatical Function
- Functions as a noun or a suru-verb (後払いする) in casual contexts.
"この商品は後払いが可能です。" (This product is available for deferred payment.)
Historically, this concept aligns with the Japanese business tradition of kake-uri (credit sales), but the modern atobarai is a highly digitized version. It is particularly popular among younger demographics who may not own credit cards or those who are wary of entering credit card details online. By choosing atobarai, the buyer ensures the product arrives in good condition before any money leaves their pocket. This builds a layer of trust between the merchant and the consumer.
"コンビニで後払いの請求書を支払いました。" (I paid the deferred payment invoice at the convenience store.)
The system usually works like this: You order an item, the item arrives with a slip (請求書 - seikyūsho), and you have 14 days to take that slip to a 7-Eleven, Lawson, or FamilyMart to pay in cash. Alternatively, modern versions allow you to pay via a monthly consolidated bill sent to your smartphone. This 'Buy Now, Pay Later' (BNPL) model is a cornerstone of the Japanese 'Cash is King' culture transitioning into a digital era.
- Synonym Note
- Often contrasted with Maebarai (Pre-payment) and Chakubarai (Cash on delivery).
"手数料がかかるので、後払いはあまり使いません。" (I don't use deferred payment much because it incurs a fee.)
In a broader sense, atobarai can also refer to the 'tab' system in traditional bars or izakayas where regular customers pay at the end of the night or even at the end of the month. However, in modern daily life, its primary association is with the 'Konbini Atobarai' button on checkout screens. Understanding this word is essential for anyone living in Japan or using Japanese e-commerce sites, as it is one of the three main payment options alongside credit cards and bank transfers.
Using 後払い (Atobarai) correctly requires understanding its role as a noun that describes a payment method. It is most frequently used in the context of choosing a payment option during a transaction. You will see it on websites, hear it from clerks, and read it on invoices.
1. As a Direct Object
When you want to select this method, you use the particle を (wo) or で (de). For example, 'Atobarai wo sentaku suru' (To select deferred payment) or 'Atobarai de harau' (To pay by deferred payment).
- Grammar Pattern
- [Noun] + を/で + [Verb]
"支払いは後払いでお願いします。" (I'd like to pay via deferred payment, please.)
2. As a Compound Noun
It often combines with other nouns to create specific terms. Atobarai-seikyūsho (deferred payment invoice) or Atobarai-kessai (deferred payment settlement) are very common in formal or business settings.
3. Social and Business Etiquette
In business-to-business (B2B) transactions, atobarai is the standard. It is often referred to as 'Kake-barai' (payment on account). Using the word atobarai in a B2B context is acceptable, but 'Seikyūsho-barai' (payment by invoice) is more professional. In casual social settings, like a group dinner, if someone says 'Atobarai de ii yo', they might mean 'You can pay me back later,' though 'Ato de ii yo' is more common for personal debts.
"ネット通販で後払いを利用すると、商品を確認してから支払えます。" (Using deferred payment for online shopping allows you to pay after checking the product.)
When using atobarai, be mindful of the deadline (支払い期限 - shiharai kigen). Unlike a credit card that deducts automatically, atobarai requires an active action from the user (going to the store or opening an app). Failing to pay on time can lead to late fees (延滞事務手数料 - entai jimu tesūryō) and a negative impact on your internal credit score with that specific provider.
You will encounter 後払い (Atobarai) in several distinct environments in Japan. Recognizing these contexts will help you understand the nuances of the word.
1. E-commerce Checkout Screens
This is the most common place. When you reach the 'Payment Method' (お支払い方法) section on sites like Rakuten, Yahoo! Shopping, or specialized clothing sites like ZOZOTOWN, you will see 'Atobarai' listed alongside 'Credit Card' (クレジットカード) and 'Bank Transfer' (銀行振込).
- Screen Label
- コンビニ後払い (Convenience Store Deferred Payment)
2. Convenience Stores (Konbini)
When you take a bill to the counter, the clerk might say, 'Atobarai no o-shiharai desu ne?' (This is a deferred payment, correct?). They are confirming the type of transaction they are processing in their system.
"こちらの後払い伝票は、期限が切れています。" (This deferred payment slip has expired.)
3. TV Commercials and Advertisements
Fintech companies like Paidy or NP Atobarai run frequent ad campaigns. They use the word atobarai to emphasize convenience, freedom, and security. You might hear catchy slogans like 'Atobarai nara Paidy' (If it's deferred payment, choose Paidy).
4. Business Meetings
In a professional setting, when discussing contract terms, a manager might say, 'Kishiki wa atobarai de onegaishimasu' (Please make the payment method deferred/by invoice). This is standard for corporate services where work is performed before billing.
"弊社は原則として後払い制を採用しております。" (As a rule, our company adopts a deferred payment system.)
While 後払い (Atobarai) is a straightforward concept, learners often confuse it with other payment-related terms or misuse it in specific social contexts.
1. Confusing with 'Chakubarai' (Cash on Delivery)
This is the most frequent error. 後払い (Atobarai) means you pay after the package is delivered, usually via a separate bill. 着払い (Chakubarai) means you must pay the delivery driver at the moment they hand you the package. If you choose chakubarai but aren't home with cash, you won't get your package. If you choose atobarai, the package is left (or delivered normally), and you pay later at your convenience.
- Atobarai
- Pay later (Konbini/App).
- Chakubarai
- Pay at the door (to the driver).
2. Misunderstanding the 'Fee' (Tesuuryo)
Many learners assume atobarai is free like a credit card. However, because the provider is taking a risk and processing a manual payment, there is almost always a 手数料 (tesūryō) of 200-400 yen. Forgetting this can lead to surprise when the total is higher than expected.
3. Using it for Personal Debts
If you borrow 1000 yen from a friend, saying 'Atobarai de ii?' sounds very robotic and transactional, like you are a business. Instead, use 'Ato de kaesu ne' (I'll return it later) or 'Kondo harau ne' (I'll pay next time). Atobarai is strictly for commercial systems.
"友達との貸し借りに後払いという言葉は使いません。" (We don't use the word 'atobarai' for lending/borrowing between friends.)
4. Confusion with 'Kake-barai'
While they mean the same thing (deferred payment), Kake-barai is the B2B term used in accounting. Using atobarai in a formal accounting report might seem slightly less professional than kake-barai or seikyūsho-barai.
To master 後払い (Atobarai), it is helpful to compare it with its antonyms and related financial terms.
1. 前払い (Maebarai) - Pre-payment
The direct opposite. You pay before the goods are shipped. This includes bank transfers (before shipping) or paying at a convenience store before the order is processed. It is safer for the seller but riskier for the buyer.
2. 着払い (Chakubarai) - Cash on Delivery (COD)
As mentioned, this is payment at the doorstep. It is becoming less common as atobarai services grow, because atobarai doesn't require the customer to be home with exact change.
- Comparison
- Atobarai = Pay after delivery via bill. Chakubarai = Pay during delivery to driver.
3. 即時払い (Sokuji-barai) - Immediate Payment
This refers to payments that happen instantly, such as debit cards or electronic money (Suica, PayPay) where the balance is deducted the moment you tap or click.
4. 分割払い (Bunkatsu-barai) - Installment Payment
While atobarai is usually a lump sum paid later, bunkatsu-barai splits the total into multiple monthly payments (e.g., 3-pay, 12-pay). Some atobarai services like Paidy now offer '3-kai atobarai' (3-installment deferred payment) which blurs these lines.
"後払いと分割払いの違いを理解しましょう。" (Let's understand the difference between deferred payment and installment payment.)
How Formal Is It?
Niveau de difficulté
Grammaire à connaître
~にする (to decide on/choose)
~で (indicating method/means)
~てから (after doing ~)
~ことができる (can do ~)
~傾向にある (tendency to ~)
Exemples par niveau
支払いは後払いにします。
I will choose deferred payment for the payment.
Uses 'ni shimasu' to indicate a choice.
後払いは便利です。
Deferred payment is convenient.
Simple A is B structure.
コンビニで後払いをします。
I will do the deferred payment at a convenience store.
Uses the particle 'de' for location.
後払いの紙はどこですか？
Where is the deferred payment paper (invoice)?
Casual way to refer to the invoice.
これは後払いですか？
Is this deferred payment?
Question form.
後払いで本を買いました。
I bought a book using deferred payment.
Uses 'de' to indicate the method.
後払いはあとで払います。
As for deferred payment, you pay later.
Explaining the word using 'ato de'.
カードがないから、後払いにします。
Since I don't have a card, I'll use deferred payment.
Uses 'kara' to show reason.
後払い手数料はいくらですか？
How much is the deferred payment fee?
Compound noun: 後払い + 手数料.
後払いの請求書が届きました。
The deferred payment invoice has arrived.
Standard term for invoice.
この店は後払いが使えます。
You can use deferred payment at this shop.
Potential form 'tsukaeru'.
後払いの期限は二週間です。
The deadline for deferred payment is two weeks.
Noun + no + Noun.
初めて後払いを利用しました。
I used deferred payment for the first time.
Uses 'riyou suru' (to utilize).
後払いなら、商品を見てから払えます。
If it's deferred payment, you can pay after seeing the product.
Uses 'nara' for conditional.
後払いのやり方を教えてください。
Please tell me how to do deferred payment.
Uses 'yari-kata' (way of doing).
メールで後払いの案内が来ました。
A guide for deferred payment came via email.
Uses 'de' for the medium of communication.
後払いを選択すると、手数料がかかります。
If you select deferred payment, a fee will be charged.
Uses 'to' for natural consequence.
請求書を失くしたので、後払いができません。
I lost the invoice, so I can't make the deferred payment.
Cause and effect with 'node'.
後払いはクレジットカードを持っていない人に人気です。
Deferred payment is popular among people who don't have credit cards.
Relative clause modifying 'hito'.
後払い決済の仕組みを理解していますか？
Do you understand how the deferred payment settlement system works?
Uses 'shikumi' (mechanism/system).
期限内に後払いを済ませてください。
Please finish the deferred payment within the deadline.
Uses 'sumaseru' (to finish/settle).
後払いができるサイトが増えています。
The number of sites where you can use deferred payment is increasing.
Present continuous 'fuete iru'.
後払いは、手元にお金がない時に助かります。
Deferred payment is helpful when you don't have money on hand.
Uses 'tasukaru' (to be helpful/saved).
コンビニ後払いのボタンを押しました。
I pressed the 'Convenience Store Deferred Payment' button.
Specific compound term.
後払いサービスは、若年層の利用率が高い傾向にあります。
Deferred payment services tend to have a high usage rate among the youth.
Formal expression 'keikou ni aru'.
後払いの審査に落ちてしまい、購入できませんでした。
I failed the deferred payment credit check and couldn't make the purchase.
Uses 'shinsa' (screening/check).
多くのECサイトが、顧客満足度向上のために後払いを導入しています。
Many e-commerce sites are introducing deferred payment to improve customer satisfaction.
Uses 'tame ni' for purpose.
後払いの未払いが続くと、法的措置を取られる可能性があります。
If non-payment of deferred payments continues, there is a possibility of legal action.
Uses 'kanousei ga aru' for possibility.
後払い決済は、一種の信用取引と言えます。
Deferred payment settlement can be said to be a type of credit transaction.
Formal 'to ieru' (can be said that).
最近では、スマートフォンのアプリで完結する後払いも一般的です。
Recently, deferred payments that are completed within smartphone apps are also common.
Uses 'kanketsu suru' (to complete/finalize).
後払いのメリットは、商品の実物を確認してから支払える点にあります。
The merit of deferred payment lies in the fact that you can pay after confirming the actual product.
Uses 'ten ni aru' to highlight a specific point.
手数料を節約するために、後払いではなく銀行振込を選びました。
To save on fees, I chose bank transfer instead of deferred payment.
Uses 'dewa naku' for contrast.
後払い決済市場の急拡大は、日本のキャッシュレス化に一石を投じた。
The rapid expansion of the deferred payment settlement market has cast a stone (created a stir) in Japan's shift toward a cashless society.
Idiomatic 'isseki wo tōjita'.
後払いは消費者にとって利便性が高い反面、多重債務のリスクも孕んでいる。
While deferred payment is highly convenient for consumers, it also carries the risk of multiple debts.
Uses 'hanmen' (on the other hand) and 'haramu' (to involve/carry).
加盟店側は、後払い業者に決済手数料を支払うことで回収リスクを回避している。
Merchants avoid collection risks by paying settlement fees to deferred payment providers.
Uses 'kameiten' (member store/merchant).
後払いにおける与信審査のアルゴリズムは、年々高度化している。
The algorithms for credit screening in deferred payments are becoming more sophisticated every year.
Uses 'yoshin' (credit/trust) and 'koudoka' (sophistication).
後払いという支払い形態は、日本の伝統的な「掛け売り」の現代版と解釈できる。
The payment form known as 'atobarai' can be interpreted as a modern version of Japan's traditional 'kake-uri' (credit sales).
Uses 'kaishaku dekiru' (can be interpreted).
法整備が追いつかない中で、後払いサービスの過剰な広告が問題視されている。
While legal regulations are not keeping up, the excessive advertising of deferred payment services is being viewed as a problem.
Uses 'mondai-shi sareru' (to be problematized).
後払いの普及により、クレジットカードを保有しない層の購買意欲が喚起された。
The spread of deferred payment has stimulated the purchasing desire of those who do not hold credit cards.
Uses 'kanki sareru' (to be stimulated/aroused).
企業間の取引においては、後払いが商慣習として深く根付いている。
In transactions between companies, deferred payment is deeply rooted as a business custom.
Uses 'shou-kanshuu' (business custom).
後払い決済の台頭は、既存の金融機関のビジネスモデルに対する破壊的イノベーションとなった。
The rise of deferred payment settlements became a disruptive innovation against the business models of existing financial institutions.
Uses 'hakaiteki inobēshon' (disruptive innovation).
後払い業者が抱える債権の流動化が、金融市場における新たなスキームとして注目されている。
The securitization of receivables held by deferred payment providers is drawing attention as a new scheme in financial markets.
Uses 'saiken no ryuudouka' (securitization/liquidation of debt).
後払いという選択肢の提示が、カゴ落ち率の低下にどの程度寄与するかを検証する。
We will verify to what extent offering the deferred payment option contributes to the reduction of cart abandonment rates.
Uses 'kago-ochi' (cart abandonment) and 'kiyo suru' (to contribute).
消費者保護の観点から、後払いサービスの透明性と説明責任が厳しく問われている。
From the perspective of consumer protection, the transparency and accountability of deferred payment services are being strictly questioned.
Uses 'setsumei sekinin' (accountability).
後払い決済のデフォルト率は、景気動向と密接に連動していることがデータから伺える。
Data suggests that the default rate of deferred payment settlements is closely linked to economic trends.
Uses 'defuoruto-ritsu' (default rate) and 'ukagau' (to suggest/infer).
後払いプラットフォームの統合により、ユーザーの購買行動データの一元管理が可能となった。
The integration of deferred payment platforms has enabled the centralized management of user purchasing behavior data.
Uses 'ichigen kanri' (centralized management).
後払いという心理的ハードルの低さが、衝動買いを助長しているという批判は免れない。
It is unavoidable to face criticism that the low psychological hurdle of deferred payment encourages impulse buying.
Uses 'menarenai' (cannot avoid/is inevitable).
後払い決済の普及は、小売り業者における代金回収業務の外注化を加速させた。
The spread of deferred payment settlements accelerated the outsourcing of payment collection operations in the retail industry.
Uses 'gaichu-ka' (outsourcing).
Synonymes
Antonymes
Collocations courantes
Phrases Courantes
Souvent confondu avec
Expressions idiomatiques
Facile à confondre
Structures de phrases
Famille de mots
Apparenté
Comment l'utiliser
Minors often need parental consent for atobarai services.
Handling fees are standard, unlike credit cards.
There is usually a maximum amount (e.g., 55,000 yen) for atobarai services.
- Using 'Atobarai' for borrowing money from friends.
- Thinking 'Atobarai' is the same as 'Chakubarai'.
- Assuming 'Atobarai' is always free.
- Forgetting to pay because there is no automatic deduction.
- Misspelling '払い' as '払り'.
Astuces
期限厳守
後払いの期限を過ぎると、延滞金が発生したり、次回からサービスが使えなくなったりします。必ず14日以内に払いましょう。
手数料の確認
合計金額に手数料が含まれているか、注文確定前に必ず確認しましょう。数百円の差ですが、積み重なると大きいです。
安心感
初めて利用するネットショップで不安な時は、後払いを選ぶと商品が届かないリスクを避けられるのでおすすめです。
アプリ活用
コンビニに行くのが面倒な人は、請求書のバーコードをPayPayやLINE Payでスキャンして支払うことも可能です。
漢字の覚え方
「後」は「うしろ・あと」、「払」は「はらう」。文字通り「あとで払う」と覚えれば忘れません。
日本の習慣
日本では「現金払い」への信頼が根強いため、この「コンビニ後払い」という独特なシステムが発達しました。
B2Bの呼び方
仕事で使う場合は「後払い」よりも「請求書払い」や「掛け払い」と言う方がプロフェッショナルに聞こえます。
情報漏洩防止
クレジットカード情報を入力したくないサイトでは、後払いを選択することでセキュリティリスクを抑えられます。
アパレル通販
服を買う時は、サイズが合わなければ返品することを前提に、後払いを選ぶ人が多いです。
江戸時代のルーツ
江戸時代の「ツケ」の文化が、現代のテクノロジーと融合して「後払い」になったと考えると面白いですよ。
Mémorise-le
Origine du mot
Japanese compound.
Contexte culturel
The system relies on the high reliability of the Japanese postal and payment infrastructure.
Convenience stores act as the physical 'bank' for these digital transactions.
Preferred by those who don't want to share credit card info with multiple websites.
Pratique dans la vie réelle
Contextes réels
Amorces de conversation
"ネットショッピングで後払いを使ったことがありますか？ (Have you ever used deferred payment for online shopping?)"
"後払いとクレジットカード、どちらが便利だと思いますか？ (Which do you think is more convenient, deferred payment or credit cards?)"
"後払いの手数料についてどう思いますか？ (What do you think about the deferred payment fees?)"
"最近、後払いアプリが増えていますよね。 (There are a lot of deferred payment apps lately, aren't there?)"
"後払いの請求書を失くしたことはありますか？ (Have you ever lost a deferred payment invoice?)"
Sujets d'écriture
後払いを利用するメリットとデメリットを書いてください。 (Write about the pros and cons of using deferred payment.)
初めて後払いを使った時の経験を教えてください。 (Tell me about your experience the first time you used deferred payment.)
なぜ日本では後払いが人気なのだと思いますか？ (Why do you think deferred payment is popular in Japan?)
将来、現金での後払いはなくなると思いますか？ (Do you think cash-based deferred payment will disappear in the future?)
後払いと計画的な支出について考えてみましょう。 (Let's think about deferred payment and planned spending.)
Questions fréquentes
10 questions商品を受け取った後に、コンビニや銀行などで代金を支払う方法です。ネットショッピングでよく使われます。
はい、多くの場合は200円から400円程度の手数料がかかります。ショップによって異なります。
送られてきた請求書を持って、お近くのコンビニエンスストアのレジで支払うのが一般的です。
はい、クレジットカードは不要です。そのため、カードを持っていない方にも人気があります。
通常、請求書の発行から14日以内が期限となっていることが多いです。確認しましょう。
商品と一緒に届く場合と、後日別で郵送される場合があります。確認メールをチェックしてください。
はい、過去の支払い遅延などがある場合、審査に通らないことがあります。
返品が受理されれば、請求書は破棄するか、修正されたものが再度送られてきます。
代引きは荷物と引き換えに配達員に払いますが、後払いは荷物を受け取った後に自分で払いに行きます。
はい、Paidyなどのアプリを使えば、紙の請求書なしでスマホだけで支払いが完結します。
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Summary
後払い (Atobarai) is a trust-based, 'Buy Now, Pay Later' system in Japan that bridges the gap between online shopping and cash-based convenience store payments, allowing for post-delivery settlement.
- Atobarai means 'Pay Later' or deferred payment.
- Commonly used in Japanese online shopping with convenience store bills.
- Allows customers to inspect items before committing funds.
- Usually involves a small fee and a 14-day payment window.
期限厳守
後払いの期限を過ぎると、延滞金が発生したり、次回からサービスが使えなくなったりします。必ず14日以内に払いましょう。
手数料の確認
合計金額に手数料が含まれているか、注文確定前に必ず確認しましょう。数百円の差ですが、積み重なると大きいです。
安心感
初めて利用するネットショップで不安な時は、後払いを選ぶと商品が届かないリスクを避けられるのでおすすめです。
アプリ活用
コンビニに行くのが面倒な人は、請求書のバーコードをPayPayやLINE Payでスキャンして支払うことも可能です。
Exemple
後払いできます。
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