Paidy

Founded in Tokyo in 2014, Paidy is a leading buy now, pay later (BNPL) service in Japan. It enables consumers to make payments and pay later—either in installments or in a lump sum—without needing a credit card. As Japan’s BNPL leader, Paidy aims to build trust in society and offer financial flexibility to buyers. Paidy simplifies purchases by requiring only a mobile phone number and an email address, with payments settled the following month.

Properties

The following table lists the product properties supported by Paidy:

Payment type	Buy now pay later
Acquirer	AntomSG, AntomUS, AntomUK, AntomEU, AntomHK, AntomJP	Merchant entity location	SG, US, UK, EEA, HK, JP
Payment flow	Redirect	Refund	✔️
Buyer country/region	Japan	Partial refund	✔️
Processing currency	JPY	Chargeback/Dispute	❌
Minimum payment amount	1 JPY	Refund period	365 days
Maximum payment amount	300,000 JPY	Time to return payment result	Real-time
		Default timeout	14 minutes

User experience

Note: The following payment flows on different terminals are reference only, and represent this payment method's flow on different terminal types. For supported merchants' terminal types, consult Antom Technical Support.

The following figures show the journey of paying with Paidy:

Web

WAP

1. The buyer selects Paidy to pay.
2. The buyer is redirected to the Paidy page and inputs the email address and phone number.
3. The buyer enters the OTP to complete the payment.
4. Display the payment result on the Paidy page.
5. The buyer is redirected back to the merchant result page.

1. The buyer selects Paidy to pay.
2. The buyer is redirected to the Paidy page to read the introduction.
3. The buyer inputs the email address and phone number.
4. The buyer enters the OTP to complete the payment.
5. Display the payment result on the Paidy page.
6. The buyer is redirected back to the merchant result page.

Supported online payment integrations

Antom offers a range of integration options tailored to each payment method. Each payment method may support different online payment integration options, allowing for flexibility based on your business requirements. The table below provides detailed information about the specific integrations available for each payment method:

Supported online payments	Supported integrations
One-time Payments	✔️ API-only ✔️ Hosted Checkout Page ❌ Embedded Checkout Page ✔️ Web Element ✔️ Mobile Element ❌ Payment links
Tokenized Payment	❌
Subscription Payment	❌
EasySafePay	❌
Scan to Link	❌