Paidy is a convenient payment service that allows users to buy now and pay later using just their smartphone. With no credit card or pre-registration required, users can shop at over 700,000 stores including popular platforms like Amazon and SHEIN. At the beginning of the next month, users receive a monthly consolidated bill and can choose from various payment methods such as convenient store, automatic debit transfer, or bank transfer. Payments can be made at popular convenience stores like Lawson, Ministop, FamilyMart, Seicomart, and 7-Eleven, making it easy and accessible for users. Additionally, Paidy offers a smooth shopping experience with features like discovering products in the app and completing purchases within the app.

To make shopping even more convenient, Paidy offers the option to split purchases into 3, 6, or 12 monthly installments at 0% interest. Users can also use the virtual card as a credit card for online shops with the Visa mark, and a physical card is available for use at any store with the Visa mark. Users can check their spend limit and set a budget to avoid overspending. Paidy Plus for Apple provides exclusive benefits for Apple Retail, including 0% interest installment plans up to 36 months, with a dedicated line of credit. However, the 3pay, 6pay, and 12pay features for Paidy Plus cannot be used with Apple.

Paidy is recommended for those who prefer cashless payments, monthly consolidated bills, and worry about overusing credit cards. It is also suitable for those who prefer to pay in monthly installments without fees and have the flexibility to choose payment options like convenient store, automatic debit transfer, or bank transfer. Additionally, for users who prefer to purchase Apple products with monthly installments, Paidy offers exclusive benefits through Paidy Plus for Apple. With security measures such as two-factor authentication, transaction monitoring, identity verification, and encrypted payment information, Paidy ensures a secure payment experience for its users.