# Paidy — Payment Provider

Japan's leading buy now, pay later service. Acquired by PayPal in October 2021 for $2.7 billion. Paidy enables purchases with just an email and phone number, offering deferred payment and 3-pay/6-pay/12-pay installments, widely adopted by Japanese e-commerce including Amazon Japan and major retailers.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** BNPL Japan
- **Fees:** 2.5-3.5%
- **Fee range:** 2.5%–3.5%
- **Fee model:** flat-rate
- **Headquarters:** Tokyo, Japan
- **Founded:** 2014
- **Settlement time:** 30 business days
- **Sandbox:** yes
- **Webhooks:** yes
- **Categories:** traditional
- **Regions:** asia
- **Countries served:** 1 (JP)
- **Payment methods:** bnpl, installments
- **Features:** startup-friendly
- **Platforms:** mobile, online
- **SDKs:** android, ios, javascript, rest_api
- **API docs:** https://paidy.com/docs/api

## Legal & compliance

1 legal entity on file. Licenses, regulators, registry records and legal-entity detail require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/paidy#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=paidy&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/paidy

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)