Paidy is a PayPal-owned Japanese fintech company providing buy now, pay later payments for consumers and merchants. Shoppers can buy with a smartphone and settle a consolidated bill the following month, or use three-, six- or twelve-payment plans at participating stores. The service supports online purchases and has expanded installment payments to physical stores.
Merchants integrate Paidy at checkout and receive settlement from the company, which handles billing and underwriting. Paidy earns revenue through merchant payment fees rather than setup or monthly charges. PayPal completed its acquisition in October 2021, and Paidy continues to operate under its own brand.
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