Paidy is a Japanese "buy now, pay later" (BNPL) service that allows consumers to make purchases online and in-store using just their name, phone number, and email. It offers instant, monthly-consolidated credit, allowing payments at convenience stores or via bank transfer[1][3]. Paidy's unique selling proposition is its ability to cater to Japan's cash-preferred culture by providing a frictionless payment experience without credit cards[3]. Its target audience is Japanese consumers and merchants, enhancing conversion rates and average order values for businesses[2][4]. Paidy's proprietary technology underwrites transactions quickly and guarantees payments to merchants[2][3].