Paidy (Japan)
Country: Japan (JP) | Payment Rail: bnpl
BNPL
Market Adoption: 45%
Paidy (PayPal) is Japan's leading cardless BNPL service allowing Japanese shoppers to pay next month via SMS authorization.
🔄 User Payment Flow
- Customer selects Paidy at checkout
- Customer enters Japanese mobile phone number and email address
- Paidy verifies via SMS OTP and approves purchase in real-time
- Merchant receives 100% order payout while Paidy consolidates customer's bill for monthly payment by the 10th
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | NO |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant API calls acquiring gateway (Stripe / Adyen / Paidy API) for session payload
- PSP issues payment token and Paidy modal checkout payload
- PSP receives Paidy clearing webhook notification and confirms order status
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 Stripe🔌 Adyen