2019 iD Payments/ QR Code Payments Available at iD and Merpay merchants nationwide, including convenience stores, restaurants, drug stores, and fast food Jul 2020 Merpay Smart Payments Allows users to defer payment for items based on past usage of Mercari and Merpay Online payments Enables use of Merpay for not only offline purchases, but online as well Sep 2020 Send/receive Enables users to send their Merpay balance/points to family and friends No-contact service Apr–May 2019 Growing Wallet Enables users to utilize their Merpay balance on the peer-to-peer investment service Funds Nov 2020 Mar 2021 Shared d Payment/ Merpay QR code Enables use of single QR code for both d Payment and Merpay Virtual card Enables users to easily issue a card number which can be used to pay using Merpay balance at many online stores Identity verification using Japan’s Individual Number Card (JPKI) Support for identity verification using Japan’s public Individual Number Card identification service (JPKI) Merpay Smart Payments (fixed-amount) Allows for fixed-amount payments, whereby users pay in installments from the following month onwards Mercari Donation Enables donation of Merpay balance, charged from Mercari sales balance or bank account, etc., to local governments and other organizations of the user’s choice Merpay Smart Money Aug 2021 A small-sum loan service that Mercari users can apply for within the Mercari app and that utilizes Mercari usage history to determine a user’s interest rate and borrowing limit Nov 2022 Mercard A comprehensive, flexible credit card that allows users to receive instant notifications, check their usage history, and pay their bill right from the Mercari app Also offers up to 4% points back from selling, buying, or making purchases at stores.