Paidy

Paidy Inc.

About this app

Features
- Buy now pay later with just your smartphone
- No Credit card nor Pre-registration required, no annual fee
- Buy now at more than 700K shops including Amazon, SHEIN, DMM
- Monthly consolidated bill received at the beginning of next month and you can easily choose the payment method that works best for you
- Freely choose from convenient store, automatic debit transfer, bank transfer
- Pay at Lawson, Ministop, FamilyMart,Seicomart,7-Eleven
- Monthly bills can be paid by simply showing the screen at a convenience store with the app
- You can pay at a convenience store at any time by using the "Pay Now" function
- Discover products in "Shop" and "inspiration" tabs and complete purchase in the app for a smooth shopping experience

Make shopping easier and delightful by verifying your identification:
- Use "3 pay" or "6 pay" or "12 pay" to split your purchase into 3 or 6 or 12 monthly installments at 0% interest. *
- Virtual card can be used as a credit card at online shops with the Visa mark. Card is free of charge and can be issued in as little as 5 minutes on the same day
- Physical card is also available and can be used as a credit card at any store with the Visa mark
- Check your spend limit and set a budget to stop overspending
*0% interest only with auto-debit and bank transfer.
*The number of payments that can be selected varies depending on the merchant

Paidy Plus for Apple
- Shop at Apple with 0% interest**
- Installment plans up to 36 months, depending on the product
- Dedicated line of credit exclusively for Apple Retail
- An application for “Paidy Plus for Apple” is required to shop at Apple***.
**0% interest only with auto-debit and bank transfer.
***Paidy and Paidy Plus cannot be used to make purchases at Apple.
***The 3pay, 6pay, and 12pay features for Paidy Plus cannot be used with Apple.

Recommended For
-Those who prefer cashless payment
-Those who prefer to pay monthly consolidated bills at next month
-Those who are worried about the overuse of credit cards
-Those who prefer to pay in monthly installments without fees
-Those who prefer to freely choose payment options such as convenient store, automatic debit transfer, bank transfer
-Those who prefer to purchase Apple products with monthly installments

Security Measures
-Account protected with two-factor authentication using verification codes
-Monitor all transactions 24 hours a day, 365 days a year
-Prevention of fraud and impersonation by identity verification
-Payment information is encrypted with TLS (Transport Layer Security)

For more details, click here. (https://paidy.com)

Ratings and reviews

good alternative for payment and credit card, already use it quite long time (more than 2year, I think), and no problem, really helpful for delaying money spend, paying using installments without any charge. The minus is that apple loan limit quite low, so I can't buy desired apple product especially mac, because mac price is increasing lately. And right now when I open the app (dark mode), the color of icon (unselected one) is hard to see. It is not happening before, please fix it. Thanks.

One thing I learnt in life is how to problem solve and work around challenges. The app is in Japanese but it allows for screenshots so I use that to read and understand what I'm being asked. it doesn't matter how long it takes because it me who wants the service. I had an issue with verification but then I realised that it was me who was doing something wrong. once I got past that it was smooth sailing. Besides not offering a language conversion, the app works well for me.

This app is useless and does not deserve the space it occupies on my phone. I tried using it to buy some products on Amazon twice. In both cases it decided to cancel my transaction 24 hours after I had made it. It also sent a useless message afterwards to tell me it could not explain the reasons for cancelling everything and wasting my time. This app is incapable of providing the single service it advertises. I hope this review saves at least one person the hassle of dealing with this app.

What's new

Hello from Paidy! We’ve hit over 14 million app downloads, thanks to you. For feedback or suggestions, reach out through our “Contact Us” link in the FAQ section. We’re committed to improving and value your input.

Update:
Starting next month, the payment due date will be the 27th. (The payment due date for June’s usage is July 27.) This will allow you to make payments at your convenience.
Performance improvements and bug fixes