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Paidy

Paidy is a Japanese fintech company specializing in buy now, pay later (BNPL) services, enabling consumers to complete online purchases without a credit card by providing instant credit approval using only an email address and mobile phone number.^[1] Founded in 2014 by Russell Cummer, a former Goldman Sachs trader, Paidy is headquartered in Tokyo and initially launched to address barriers in Japan's online shopping market, where credit card penetration is relatively low.^[2]^[3] The company utilizes machine learning for rapid credit assessments and offers flexible payment options, including one-time payments due by the 27th of the following month, multi-installment plans, and subscription support.^[4]^[5]^[6] Paidy experienced rapid growth, securing multiple funding rounds such as a $15 million Series B in 2016, a $55 million Series C in 2018, $143 million in additional financing in 2019, $48 million from ITOCHU Corporation in 2020, and a $120 million Series D in 2021, which propelled it to unicorn status with a valuation exceeding $1 billion.^[3]^[7]^[8]^[9]^[10]^[11] By 2018, it had rebranded from its original name and expanded partnerships with major e-commerce platforms like Amazon and Qoo10, amassing over 1.4 million active accounts.^[2]^[6] In September 2021, PayPal acquired Paidy for $2.7 billion to strengthen its presence in Asia's BNPL market, integrating features like Paidy Link for wallet connectivity.^[4]^[12] Under PayPal's ownership, Paidy continues to operate as Japan's pioneering and leading BNPL provider, emphasizing seamless and hassle-free shopping experiences with a mission to foster consumer confidence and peace of mind.^[13]^[14] As of 2025, it is led by President and CEO Ryuji Kato, with ongoing expansions in digital payment solutions and risk management innovations.^[14]

History

Founding and Early Development

Exchange Corporation Co., Ltd. was established in March 2008 in Tokyo, Japan, with an initial focus on peer-to-peer lending services, including the social lending platform AQUSH, which connected borrowers and investors for consumer loans.^[15] The company aimed to leverage technology to facilitate direct financial exchanges in a market where traditional banking access was limited for some consumers.^[16] In October 2014, under the leadership of co-founders Russell Cummer, who served as CEO, and Lee Smith, Exchange Corporation launched the Paidy service as a cardless, post-paid payment solution for e-commerce.^[17] This innovation targeted Japan's unique market dynamics, where credit card ownership and usage rates lagged behind other developed economies—despite high penetration in some metrics, online transactions often relied on cash or cumbersome alternatives.^[7] Paidy allowed users to make purchases using only their email and mobile number, with payments consolidated monthly, addressing barriers like the need for credit card registration and verification.^[18] Early development faced challenges in Japan's predominantly cash-based economy, where consumers preferred avoiding credit due to cultural preferences for deferred or in-person payments and concerns over debt.^[19] Paidy emphasized mobile optimization to capitalize on smartphone adoption, enabling seamless, frictionless onboarding without physical cards or extensive paperwork, which differentiated it from traditional financial services.^[2] By 2018, as Paidy gained traction, the company fully pivoted to payments, rebranding from Exchange Corporation and ceasing new operations in social lending to concentrate on buy-now-pay-later solutions.^[2]

Expansion and Funding

Following its launch in October 2014, Paidy experienced rapid expansion as a buy-now-pay-later service in Japan's e-commerce sector, securing initial funding to support merchant partnerships and user acquisition. The company raised $3.3 million in a seed round labeled as Series A in July 2014, led by Arbor Ventures with participation from CyberAgent Capital.^[20] This funding enabled early integrations with major online retailers, including ZOZOTOWN, one of Japan's largest fashion e-commerce platforms, helping Paidy establish a foothold in the market.^[21] By 2015, the round was expanded by an additional $5 million, bringing the total Series A to $8.3 million to fuel product development and onboarding.^[22] Paidy continued its growth trajectory with subsequent funding rounds that attracted prominent international and domestic investors. In July 2016, it secured $15 million in Series B funding led by ITOCHU Corporation, alongside existing backers, to enhance its payment infrastructure and expand merchant network.^[3] The Series C began in July 2018 with $55 million led by ITOCHU Corporation and Goldman Sachs, followed by an $83 million extension in November 2019 co-led by PayPal Ventures and including Heron Ventures, plus $60 million in debt financing, totaling $143 million for that year.^[17]^[23] In April 2020, ITOCHU provided an additional $48 million in Series C funding to accelerate adoption amid rising e-commerce demand.^[24] Key investors across these rounds included Salesforce Ventures, PayPal Ventures, ITOCHU, Goldman Sachs, and Tybourne Capital Management. The company's scaling efforts were marked by significant milestones in user and merchant growth. Paidy's active user base grew from launch to 1.4 million accounts by mid-2018, with projections reaching 11 million by 2020.^[7] It expanded merchant partnerships significantly, reaching more than 700,000 merchants by 2021.^[4] Overall, Paidy raised a total of $281 million across eight funding rounds from 2014 to 2021, achieving unicorn status with a $2.7 billion valuation prior to its acquisition.^[25] These investments supported its transition into a leading fintech player in Japan, emphasizing seamless credit access without traditional cards.

Acquisition by PayPal

On September 7, 2021, PayPal Holdings, Inc. announced its agreement to acquire Paidy, Inc., a leading Japanese buy now, pay later (BNPL) payments platform, for approximately ¥300 billion (about $2.7 billion), marking PayPal's largest investment in Japan.^[26]^[27] The transaction, which was principally in cash, was completed on October 12, 2021, following regulatory approvals.^[26] The acquisition aimed to bolster PayPal's BNPL offerings and strengthen its presence in Japan's expansive payments market, which includes a rapidly growing BNPL segment projected to exceed $20 billion by the mid-2020s.^[28]^[29] For PayPal, the deal provided an entry into Japan's third-largest ecommerce economy, where online shopping volumes had tripled to around $200 billion over the prior decade, allowing integration of Paidy's user base of over 6 million into its global network.^[27] Paidy was to continue operating independently under PayPal, retaining its brand and leadership to leverage the parent's resources for accelerated innovation without disrupting its market position.^[26]^[30] Immediately following the completion, there were no major layoffs at Paidy, and its headquarters remained in Tokyo, preserving operational continuity.^[31] Paidy gained enhanced access to PayPal's global technology infrastructure, enabling improved payment processing and risk management capabilities while maintaining its proprietary systems.^[26] This structure supported seamless integration without immediate structural overhauls, focusing instead on collaborative growth opportunities.^[28]

Business Model and Services

Core Payment Service

Paidy's core payment service operates as a buy-now-pay-later (BNPL) mechanism, allowing users to complete cardless purchases online without requiring a credit card or prior account registration for one-time transactions.^[32] Users initiate the process at checkout by entering their email address and mobile phone number, followed by verification through a 4-digit SMS authentication code, enabling instant approval for eligible purchases.^[5] This approval is determined via a soft credit check that assesses user eligibility and sets an available credit limit based on individual risk evaluation.^[33] All purchases made within a calendar month are aggregated into a single consolidated invoice, which Paidy sends via email and SMS between the 1st and 5th of the following month.^[34] The full amount is due by the 27th of that month, with options for settlement including convenience store payment, bank transfer, or automatic direct debit from a registered bank account.^[34] Lump-sum payments are interest-free when completed on time, promoting timely repayment without additional costs for standard deferred billing.^[35] Users also have the flexibility to opt for installments at the time of billing, dividing the total into 3, 6, or 12 equal payments over corresponding months, with no interest or installment fees applied for bank transfer or direct debit methods—though convenience store installments incur a fixed fee of ¥356 to ¥390 (tax included).^[36]^[37] Minimum purchase thresholds apply for installments, such as ¥3,000 for 3 payments and ¥12,000 for 12 payments, varying slightly by merchant.^[34] As of 2025, Paidy's core service is integrated with over 700,000 participating merchants across Japan, encompassing major e-commerce platforms like Amazon Japan and Rakuten.^[32]

Additional Features and Products

Paidy Plus, launched in mid-April 2020, represents a premium tier of the service that incorporates identity verification through AI-powered facial recognition and allows users to set personalized spending budgets.^[38] This upgrade enables access to higher credit limits based on individual risk assessments.^[39] Users benefit from interest-free installment plans, such as the 3-pay option introduced in October 2020, which divides purchases into three equal payments without additional fees.^[40] Paidy offered the Paidy Card in both virtual and physical Visa-branded formats, which facilitated transactions at offline merchants and any location accepting Visa cards, but this service was discontinued on September 30, 2025.^[31]^[41] Paidy launched Paidy Link in April 2021, integrating the service with digital wallets like PayPal to support QR code payments and seamless access to over 29 million global merchants.^[42] The fee structure includes late payment penalties calculated at an annual rate of 14.6% from the day after the due date until settlement.^[43] Users gain additional value through the Paidy mobile app, which provides real-time tracking of transactions, outstanding balances, and payment reminders to support responsible usage.^[44] Partner merchants occasionally offer exclusive promotions and cashback incentives to encourage repeat purchases via Paidy.^[33]

Merchant Integration

Paidy facilitates merchant integration through its RESTful API, which allows e-commerce platforms to manage payments, refunds, cancellations, and token-based recurring transactions in JSON format. The API supports seamless incorporation into major platforms, including plugins for Shopify and WooCommerce that enable quick setup by entering API credentials in the payment settings. This integration powers one-click checkout via Paidy Checkout, a secure process requiring only an email and mobile number for consumers to complete purchases without credit card details.^[45]^[33] Merchants benefit from Paidy's model by experiencing higher conversion rates due to reduced cart abandonment and the appeal of deferred payment options, with buy now, pay later services generally boosting e-commerce conversions by 20-30%. Additionally, Paidy assumes the credit risk, providing guaranteed payments to merchants and eliminating chargeback liabilities, as the service handles all post-purchase collections and defaults.^[46]^[47]^[48] Paidy has seen widespread adoption among Japanese retailers, partnering with major platforms such as ZOZOTOWN for fashion e-commerce and serving over 700,000 merchants, including enterprise clients like Amazon and the Apple Store. Its network continues to expand, supporting a broad range of online transactions across sectors like apparel and electronics.^[33]^[49]^[50] Under Paidy's revenue model, merchants pay a commission fee of approximately 3% per transaction, comparable to credit card rates, while Paidy manages customer invoicing, collections, and any associated risks. This structure ensures merchants receive immediate settlement without upfront costs beyond the fee, fostering predictable economics for sellers.^[51]

Technology and Operations

User Onboarding and Verification

Paidy's user onboarding process emphasizes simplicity and speed, requiring only an email address and mobile phone number for initial registration, without the need for credit card or bank account details.^[1]^[33] During checkout on a merchant site, users enter these details, and Paidy sends a 4-digit authentication code via SMS to the provided phone number for verification, completing the process in just a few clicks.^[52] This frictionless approach allows new users to begin transacting almost immediately, often within seconds, aligning with Paidy's goal of accessible payments in Japan.^[5] Following signup, Paidy conducts an AI-driven risk assessment to evaluate user eligibility, employing proprietary technology that analyzes real-time consumer data, including device information and behavioral signals, to determine creditworthiness without traditional hard credit checks.^[53]^[54] This soft evaluation process results in high approval rates, approximately 88% for eligible transactions, enabling broad access while managing risk.^[36] Public records and purchase patterns may also inform the assessment, ensuring decisions are made swiftly at the point of sale.^[53] For enhanced features under Paidy Plus, users undergo electronic Know Your Customer (eKYC) identity verification to unlock higher limits and additional services, such as installment payments. This involves uploading photos of official identification like the My Number Card or driver's license, along with a selfie, directly through the Paidy app, facilitating compliance with Japan's anti-money laundering (AML) regulations.^[55] The process is designed for efficiency, typically completing in minutes, and strengthens user trust by confirming identity against government-issued documents.^[55]^[56] Initial credit limits for approved users generally range from ¥30,000 to ¥100,000, depending on the risk assessment outcome, with no fixed cap but personalized based on factors like location and initial profile data.^[57] These limits dynamically scale upward as users build a positive payment history, reflecting Paidy's model of growing access through demonstrated reliability.^[58]

Payment Processing

Paidy's payment processing begins with real-time transaction authorization facilitated through its REST API, enabling instant approval during the consumer checkout process, which includes authentication methods such as SMS verification.^[5] Once authorized, the payment status transitions to "AUTHORIZED," and merchants confirm the transaction by issuing a capture request via the API, after which Paidy guarantees and disburses funds to the merchant, assuming 100% payment risk to eliminate cancellation concerns.^[5]^[59] Settlement for merchants occurs upon successful capture, with Paidy providing payment guarantees that protect against defaults, allowing funds transfer without delay tied to consumer repayment timelines.^[59] Collections from consumers are handled monthly, typically due by the 27th of the following month, through methods including direct debit (automatically deducted monthly), convenience store payments, or bank transfers.^[33]^[60] Paidy maintains very low default rates through rigorous risk management, contributing to its stable operations in the buy now, pay later sector.^[2] The technology stack supporting these processes is cloud-based, leveraging AWS architecture along with Scala (using cats-effect), Akka for concurrency, and Kafka for data streaming, which enhances reliability post-PayPal's 2021 acquisition and integration efforts. In 2025, Paidy adopted Prefect for orchestrating data pipelines to improve reliability and unify teams.^[61]^[62] This setup supports high-volume transaction processing, with Paidy's systems designed for scalability to manage surges during peak e-commerce periods, such as Black Friday, as evidenced by PayPal's overall buy now, pay later volumes surging 400% year-over-year during such events.^[63] Fraud detection is integrated via proprietary machine learning models that underwrite transactions in seconds, analyzing patterns for real-time risk assessment and ensuring secure backend operations.^[64]

Market Position and Impact

Role in Japanese Fintech

Japan's payments ecosystem has historically been dominated by cash, with approximately 75% of transactions settled in physical currency just prior to the COVID-19 pandemic, reflecting a cultural preference for tangible payments and limited adoption of digital alternatives.^[65] This cash reliance is compounded by low credit card penetration for online transactions, particularly among younger demographics who often lack established credit histories, hindering broader financial inclusion in e-commerce.^[66] In this context, the buy now, pay later (BNPL) sector emerged as a transformative force, with the market reaching approximately USD 21.0 billion in 2024 and projected to grow at a compound annual growth rate (CAGR) of 22.23% during 2025-2033, driven by rising demand for flexible, interest-free installment options amid accelerating digital commerce.^[67] Paidy played a pivotal role in pioneering cardless BNPL services in Japan, launching as the country's first instant post-pay credit platform in 2014, which allowed consumers to shop online using only their email address and mobile number without requiring a traditional credit card.^[68] This innovation addressed key barriers in a market where credit card usage for e-commerce remained low, enabling seamless onboarding and reducing friction for non-cardholders. During the COVID-19 pandemic in 2020, Paidy contributed to a surge in e-commerce adoption, with the platform's user base and transaction volumes expanding significantly as consumers shifted to online shopping amid lockdowns, aligning with broader industry growth in digital payments.^[66] Its mobile-first approach further amplified this momentum, facilitating real-time payments and helping integrate BNPL into everyday online purchases. In the competitive landscape, Paidy established itself as a leading BNPL provider against rivals such as Net Protections (operating as NP AtoPay), AfTEr (an Afterpay affiliate), Klarna, Afterpay, ZOZO (Tsuke-Pay), Rakuten, and Mercari (Merpay Smart Payment), differentiating through its focus on mobile accessibility and partnerships with major e-commerce platforms like Amazon Japan.^[69]^[70] By 2021, prior to its acquisition by PayPal, Paidy held a prominent position in the market, serving millions of users and powering a substantial portion of installment-based transactions via its emphasis on user-friendly, credit-check-free experiences.^[26] Paidy's contributions extended to economic impacts by enabling small merchants to access a wider customer base through simple integration of BNPL options, guaranteeing payments and reducing cart abandonment without the need for complex credit card processing setups.^[71] Additionally, it supported financial inclusion for underbanked youth and those wary of traditional credit, offering an alternative pathway to deferred payments that built trust in digital finance and encouraged participation in Japan's evolving e-commerce ecosystem.^[70]

Post-Acquisition Developments

Following its acquisition by PayPal in October 2021, Paidy's operations have been integrated into PayPal's broader buy now, pay later (BNPL) ecosystem, enhancing the company's global BNPL offerings such as Pay in 4 with localized solutions tailored to the Japanese market. This linkage allows Paidy's credit assessment technology and payment splitting options (e.g., three- or six-month installments) to complement PayPal's interest-free installment plans, facilitating seamless transactions for Japanese consumers across e-commerce platforms.^[46]^[28] Paidy has continued to operate as a distinct subsidiary under PayPal, maintaining its brand and leadership team while contributing to the parent company's Asia-Pacific expansion. Although specific user growth figures for Paidy post-2021 are not publicly detailed, the broader Japanese BNPL market, in which Paidy plays a key role, reached approximately USD 21.0 billion in 2024 and is projected to grow at a CAGR of 22.23% during 2025-2033.^[67] PayPal's global BNPL payment volume, bolstered by subsidiaries like Paidy, exceeded $33 billion in 2024, marking a 21% rise from the previous year, with Paidy's contributions supporting incremental revenue in the APAC segment amid PayPal's focus on high-margin services.^[72]^[73] In May 2025, Paidy announced the discontinuation of its Paidy Card credit card services (both virtual and physical cards), effective September 30, 2025, ending new issuances as of May 14, 2025, and ceasing all transactions after the specified date. This change affects users relying on the card for payments but does not impact Paidy's core deferred payment (BNPL) services, which continue to support online shopping at partner merchants.^[41] Post-acquisition, Paidy has faced challenges including regulatory scrutiny on BNPL lending practices in Japan, where services fall under the Installment Sales Act, requiring compliance with consumer protection standards for deferred payments. Additionally, Paidy receives minimal direct mention in PayPal's quarterly earnings reports, as the company emphasizes core global brands like PayPal and Venmo over regional subsidiaries.^[74] Looking ahead, Paidy's integration positions it for potential cross-border BNPL expansions, leveraging PayPal's international network to serve Japanese travelers and exporters. This aligns with Japan's national push toward a cashless society, where the government targeted a 40% cashless payment ratio by 2025—a goal surpassed early with 42.8% achieved in 2024—fostering further adoption of services like Paidy amid ongoing digital payment incentives.^[75]^[76]

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PayPal agrees to buy Paidy for $2.7B - Payments Dive
Sep 8, 2021 · San Jose, California-based PayPal announced in a Tuesday press release it has agreed to buy the Japanese payments platform and buy now-pay ...
[54]
Paidy - Wikipedia
Corporate history. edit. Established in March 2008 under the trade name of Exchange Corporation Co., Ltd., the main business was the social lending service " ...
[55]
Split the bill with your future self: Paidy launches 3-Pay - Japan Today
Oct 28, 2020 · The eKYC process is simple by taking a photo of the user's driver's license, My Number Card, and a selfie within the Paidy app. The good-to ...Missing: verification | Show results with:verification
[56]
Navigating KYC, AML and Identity Verification in Japan - AiPrise
May 30, 2025 · Japan's approach to Know Your Customer (KYC), Anti-Money Laundering (AML), and identity verification is rigorous and innovative.Missing: Paidy | Show results with:Paidy
[57]
Paidy won't let me use their services : r/japanlife - Reddit
Jun 10, 2023 · I signed up for Paidy in august last year where I was told I can't use the Visa card or deferred payments. Now, some 8 months later, I still can't use it.Screw paidy. They've been rejecting me non-stop. : r/japanlifePayment plans? Paidy? : r/japanlifeMore results from www.reddit.com
[58]
New paidy user, whats the upper limit? : r/japanlife - Reddit
Sep 28, 2021 · The limit depends on the risk of you paying it back to Paidy. The longer you use Paidy, the more is known about your credibility.Paidy (pay later service) is good or bad for my credit score?Paidy limit increase : r/JapanFinanceMore results from www.reddit.comMissing: approval soft
[59]
Paidy ｜ SB payment service for PSP
⑥ 100% guarantee of payment of sales. No risk for merchants. Paidy guarantees your payment when the payment is completed. Avoid the risk of order cancellation.Missing: disbursement | Show results with:disbursement
[60]
Software Engineering Team Lead - 株式会社Paidy
Sep 23, 2025 · Paidy has reached an agreement to join PayPal, the global payments company. ... Our tech stack: AWS architecture; Scala (cats-effect); Akka; Kafka ...
[61]
PayPal says 'buy now, pay later' volumes surged 400% on Black ...
Dec 3, 2021 · "We saw a 400% year-on-year rise on our volumes going through 'buy now, pay later' this past Black Friday," PayPal CEO Dan Schulman said. "It's ...Missing: Paidy | Show results with:Paidy
[62]
Risk Engineer - 募集中のポジション｜株式会社Paidy
Sep 23, 2025 · Paidy uses proprietary models and machine learning to underwrite transactions in seconds and guarantee payments to merchants. Paidy ...
[63]
How e-commerce is disrupting Japan's love of cash - American Banker
Mar 31, 2021 · Despite Japan being a heavily cash-based economy, e-commerce has created significant opportunities for banks and mobile wallet providers.
[64]
Paidy Founder: Japanese Consumers Ready For BNPL
Dec 1, 2020 · It is an interest-free payment mechanism that allows consumers to split the cost of a purchase into three equal payments within the company's app.Missing: ZOZOTOWN | Show results with:ZOZOTOWN
[65]
Japan Buy Now Pay Later Market Report 2025 - FinTech Futures
Feb 14, 2025 · Japan's relatively low credit card penetration compared to other developed economies presents a significant opportunity for BNPL providers.
[66]
Japan's instant credit start-up Paidy raises $143m - FinTech Futures
The financing will help the fintech sign larger merchants, offer new products and grow its user base to 11 million accounts by the end of 2020, the firms says ...
[67]
Japan Buy Now Pay Later (BNPL) Market Analysis | 2024-2030
Rating 4.5 (5) The Japan Buy Now Pay Later (BNPL) Market size was valued at USD 3.28 billion in 2023, and is predicted to reach USD 29.09 billion by 2030, at a CAGR of 30.8% ...Japan Buy Now Pay Later... · Increasing Millennials and... · Integration of Artificial...
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Paidy Tries To Simplify Mobile Payments - PYMNTS.com
why does Paidy work, and work in Japan? ... merchants are guaranteed payments from consumer purchases because Paidy underwrites transactions.
[69]
pypl-20220930 - SEC.gov
We completed the acquisition of Paidy in October 2021 by acquiring all outstanding shares for total consideration of approximately $ 2.7 billion, consisting of ...<|separator|>
[70]
PYPL) and Blue Owl Capital (NYSE - PayPal Newsroom
Sep 24, 2025 · In 2024, PayPal processed more than $33 billion of BNPL payment volume globally, up approximately 21% from 2023. “This is another great step ...
[71]
Japan Buy Now Pay Later Business and Investment Opportunities ...
Feb 20, 2025 · The BNPL payment market in Japan is expected to grow by 33.7% on annual basis to reach US$20.11 billion in 2025. The BNPL market in Japan ...Missing: enterprise clients
[72]
Fintech Laws and Regulations Report 2025 Japan - ICLG.com
Feb 7, 2025 · In Japan, there is no direct regulation of BNPL; however, businesses utilising BNPL financing may be subject to the Installment Sales Act ...Missing: scrutiny | Show results with:scrutiny
[73]
2024 Ratio of Cashless Payment Among the Total Amount Paid by ...
The cashless payment ratio in 2024 was 42.8%, and the government goal of 40% has thus been achieved. METI will continue to make necessary improvements to boost ...
[74]
Buy now pay later Regulation Around the World | Global law firm
The arrangements for BNPL have become increasingly popular with both merchants and customers. Such widespread adoption has led to increasing regulatory scrutiny ...