Paidy

Editor's Review

Tired of credit card hassles and rigid payment schedules? Paidy is here to revolutionize your shopping experience! 🎉 This innovative app lets you buy now and pay later, all from the convenience of your smartphone. No credit card? No problem! No pre-registration or annual fees either! 🥳

With Paidy, you can shop at over 700,000 stores, including giants like Amazon, SHEIN, and DMM. 🛍️ Receive a monthly consolidated bill at the beginning of the next month and choose the payment method that suits you best—convenience store, automatic debit transfer, or bank transfer. 🏦

Pay your bills at popular convenience stores like Lawson, Ministop, FamilyMart, Seicomart, and 7-Eleven. Simply show the screen at the register! 🏪 Need to pay ASAP? Use the "Pay Now" function to settle your bill anytime. 💨

Discover amazing products in the "Shop" and "inspiration" tabs, and complete your purchase directly within the app for a smooth, integrated shopping journey. 📱

Unlock even more with ID verification:

• Split Payments: Use "3 pay," "6 pay," or "12 pay" to divide your purchases into manageable monthly installments at 0% interest! 🎁 (Terms apply)
• Virtual Visa Card: Get a free virtual card in as little as 5 minutes and use it like a credit card at any online shop that accepts Visa. 💳
• Physical Visa Card: Prefer a traditional card? Get a physical Visa card to use at any store. 💳
• Budgeting: Set spending limits and budgets to stay in control of your finances. 💰

Special Offer for Apple Lovers: Paidy Plus for Apple

Shop for your favorite Apple products with 0% interest and installment plans up to 36 months! 🍎 A dedicated line of credit is available exclusively for Apple Retail. Note: You'll need to apply for “Paidy Plus for Apple” to take advantage of this offer. 📝

Who is Paidy For?

• Cashless payment enthusiasts 📱
• Those who prefer consolidated monthly billing 🗓️
• Anyone worried about overusing credit cards 💳🚫
• Those seeking fee-free monthly installment options 👌
• Anyone who wants flexible payment choices 🏦🏪
• Apple product fans looking for installment plans 🍎

Security You Can Trust:

• Two-factor authentication using verification codes 🔐
• 24/7 transaction monitoring 🛡️
• Identity verification to prevent fraud and impersonation 🕵️‍♀️
• TLS encryption for payment information 🔒

Ready to simplify your shopping and take control of your payments? Download Paidy today! 🚀

Features

• Buy now, pay later with just your smartphone

• No credit card or pre-registration required

• Accepted at 700K+ shops including Amazon, SHEIN

• Monthly consolidated bill with flexible payment methods

• Pay at convenience stores like Lawson and 7-Eleven

• "Pay Now" function for immediate convenience store payments

• Discover products and shop within the app

• Split payments into 3, 6, or 12 monthly installments

• Virtual Visa card for online shopping

• Physical Visa card for in-store purchases

• Spending limit and budget setting tools

• Apple-specific installment plans with 0% interest

• Two-factor authentication for account security

• 24/7 transaction monitoring for fraud prevention

• Identity verification to prevent fraud

Pros

• Buy now, pay later without a credit card

• Wide acceptance at 700K+ shops, including major retailers

• Flexible payment options: convenience store, debit, bank transfer

• Split purchases into installments with 0% interest (conditions apply)

• Virtual and physical cards for online and in-store shopping

• Budgeting tools to manage spending and avoid overspending

Cons

• 0% interest on installments requires auto-debit or bank transfer

• Paidy and Paidy Plus cannot be used directly at Apple (separate Apple plan required)