Paidy (Japan)
国家/地区: 日本 (JP) | 底层清算轨道: bnpl
BNPL
市场普及率: 45%
Paidy（现隶属于 PayPal）是日本第一大本土无卡先买后付（BNPL）与延期付款平台，在日本电商时尚消费与年轻群体中占据主导地位，以无需信用卡、凭手机号/邮箱即时极速核准与次月 10 日前统一结算为特色，广泛用于服装鞋帽网购、电子产品及中大额电商结账。
🔄 用户付款交互流 (User 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
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | NO |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- 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
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Stripe🔌 Adyen