Paidy

Paidy is a buy now, pay later app that puts flexible payment options right in your pocket. Shop at over 700,000 retailers—including Amazon, SHEIN, and DMM—without a credit card or pre-registration. All you need is your smartphone.

Get the flexibility you need at checkout. Split any purchase into 3, 6, or 12 monthly installments at 0% interest, or stick with a single monthly bill. Your consolidated statement arrives at the start of each month, and you choose how to pay: convenience store, automatic bank transfer, or direct bank payment. Pay at Lawson, Ministop, FamilyMart, Seicomart, or 7-Eleven whenever it suits you—or use the Pay Now function to settle early without penalties.

Stay in control of your spending. Check your spend limit anytime and set a personal budget to help prevent overspending. Two-factor authentication and encrypted payment data keep your account secure, while round-the-clock transaction monitoring and identity verification protect you against fraud and impersonation.

Discover and shop seamlessly within the app itself. Browse curated products in the Shop and Inspiration tabs, then complete your purchase without leaving the experience. It's cashless shopping without the commitment of a traditional credit card.

For Apple enthusiasts, Paidy Plus for Apple offers dedicated installment plans up to 36 months on Apple products at 0% interest with auto-debit or bank transfer. You get a line of credit exclusively for Apple Retail, making premium devices more affordable.

Payment options are yours to control. Choose monthly consolidated bills if you prefer one statement. Select installments if you want to spread the cost. Pick convenience stores if you prefer offline payment. Paidy works around your lifestyle, not the other way around. Start shopping smarter today with Paidy.