Paidy - Shop now, pay later

Features:

- Enjoy Buy Now, Pay Later convenience using just your smartphone

- No need for a credit card or pre-registration, and there are no annual fees

- Shop at over 700,000 stores including Amazon, SHEIN, DMM

- Receive a monthly consolidated bill at the start of the following month and select your preferred payment method easily

- Choose from options like convenient store payments, automatic debit transfers, and bank transfers

- Make payments at Lawson, Ministop, FamilyMart, Seicomart, 7-Eleven

- Easily pay your monthly bills by displaying the app at a convenience store

- Utilize the "Pay Now" feature to make payments at convenience stores anytime

- Discover products in the "Shop" and "Inspiration" sections and complete purchases within the app for a seamless shopping experience

How Paidy Works:

Registration and Use: Paidy does not require pre-registration or a credit card57. Users can sign up by providing their email address and mobile number.

Checkout Process: When checking out at an online store, customers select Paidy as their payment method7. They enter their email address and mobile number on the checkout page. Paidy sends a 4-digit authentication code to the mobile number via SMS37. Once the code is entered, the payment procedure is completed.

Payment Options: Paidy sends billing information via email and SMS between the 1st and 3rd of each month. Payments can be made via convenience store, bank transfer, or account transfer by the 10th of the following month.

Paidy API: Paidy offers a secure Payment API for merchants that allows completing payments, issuing refunds, and canceling transactions.

Make verification easier and more secure:

- Split your purchases into 3, 6, or 12 monthly installments with 0% interest using "3 pay," "6 pay," or "12 pay"*

- Utilize the virtual card as a credit card for online shops displaying the Visa mark; receive the card for free within 5 minutes on the same day

- A physical card is also available for use at any store with the Visa mark

- Manage your spend limit and set a budget to avoid overspending

*The 0% interest rate applies only to auto-debit and bank transfer transactions.

Paidy Plus for Apple:

- Shop at Apple with 0% interest

- Avail installment plans up to 36 months based on the product

- Access a dedicated line of credit exclusively for Apple Retail

- Use the "Paidy Plus for Apple" application to shop at Apple

0% interest rate is applicable only for auto-debit and bank transfer transactions.

Paidy and Paidy Plus are not usable for Apple purchases.

The 3pay, 6pay, and 12pay features of Paidy Plus cannot be used with Apple.

Recommended For:

- Individuals preferring cashless payments

- Those desiring to pay monthly consolidated bills in the following month

- People concerned about excessive credit card usage

- Customers opting for fee-free monthly installments

- Users preferring varied payment choices like convenient store, automatic debit transfer, bank transfer

- Those interested in buying Apple products via monthly installments

Security Measures:

- Your account is safeguarded by two-factor authentication through verification codes

- Transactions are monitored round-the-clock, 365 days a year

- Prevent fraud and impersonation through identity verification

- Payment data encryption using TLS (Transport Layer Security)