Paidy payment guide
No credit card required. Pay in 3, 6 or 12 installments after identity verification and approval.
Installment options described here are for domestic orders in Japan. They are not available for overseas delivery.
Eligibility
Installments require identity verification through the Paidy app and approval. Availability depends on screening and your spending limit.
| Installments | Minimum per purchase |
|---|---|
| 3 | ¥3,000 |
| 6 | ¥6,000 |
| 12 | ¥12,000 |
Check available plans at checkout or in the Paidy app.
Fees and monthly estimates
No installment fees when paying by direct debit or bank transfer.Separate bank transfer charges may still apply.
| Payment method | Payment fees |
|---|---|
| Direct debit | Free |
| Bank transfer | Your bank’s transfer fee |
| Convenience store | Varies by billing details and amount. See the official fee schedule. |
Example: ¥40,000 in 12 installments
Approximately ¥3,333 per month
Estimated as ¥40,000 ÷ 12, using direct debit or bank transfer with no installment fee. Bank transfer charges are excluded. Actual installments may vary due to rounding.
How to pay
- Complete identity verification in the Paidy app and check the approval result.
- Select Paidy at checkout and enter your email address and mobile number.
- Enter the four-digit SMS code, select an available payment plan and complete your purchase.
- Review your bill and pay by the stated deadline.
If installment options are not shown at checkout, check the option to change to installments in your purchase history in the app. Changes are subject to eligibility.
Billing notices generally arrive on the 1st–5th of the following month, with payment due by the 27th. Register direct debit in the app or MyPaidy. Bank transfers must go to the dedicated account specified by Paidy.