Merpay Launches New Feature Allowing Payments Without Needing to Charge Even When Balance is Insufficient

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Merpay, Inc. announced on May 12, 2026, the launch of a new feature that allows users to make payments without needing to charge, even when their balance is insufficient. This aims to eliminate the stress of running out of balance at the checkout, enhance user convenience, and provide a more seamless financial experience.

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Merpay, Inc. announced on May 12, 2026, the launch of a new feature that allows users to make payments without needing to charge, even when their balance is insufficient. This aims to eliminate the stress of running out of balance at the checkout, enhance user convenience, and provide a more seamless financial experience.

Q: What is the source and date?

Source: https://prtimes.jp/main/html/rd/p/000000533.000026386.html | Date: Date unavailable

Merpay, Inc. (hereinafter, Merpay) will begin offering a new feature on May 12, 2026, that allows users to combine Merpay balance (sales proceeds from "Mercari" or funds charged from bank accounts), points, and credit (*1) for payments (*2). Even if the balance or points are insufficient, the deficit will be automatically covered by credit (*3), eliminating the stress of realizing insufficient balance at the register or having to recharge, thereby enhancing customer convenience and realizing a more seamless financial experience. *1: "Merpay Smart Pay / Merpay Post-payment" has been renamed to "Merpay Credit." https://jp.mercari.com/notifications/news/7943821977100222464 *2: Starting today, this will be gradually applied to customers using the Mercari app. To use this feature, the "Mercari app" must be updated to the latest version. *3: For details on features and conditions, please refer to the Mercari Guide "Setting up payment methods in stores." https://help.jp.mercari.com/guide/articles/946/ ■ Background Merpay, with its mission to "create trust and build a smooth society," has been providing the smartphone payment service "Merpay" since February 2019, establishing an environment where sales proceeds (Merpay balance) can be used in various places through code payments, iD payments (*4), and online payments. Furthermore, by offering post-payment services "Merpay Smart Pay (now Merpay Credit)" and "MerCard," which utilize unique credit assessment based on Mercari usage history, Merpay has enabled experiences such as shopping first and settling later with sales proceeds (Merpay balance). By allowing customers to utilize Merpay's credit services, including those who previously had difficulty accessing services based solely on attribute information, new purchasing opportunities are being created. Going forward, Merpay will evolve into a "wallet" that provides a more seamless financial experience, not just payment and credit services. As part of this, a new service for

Merpay Launches New Feature Allowing Payments Without Needing to Charge Even When Balance is Insufficient

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