Paidy: The Smart, Credit-Free Way to Shop Everything You Love

Get what you want today with 0% interest installments at Apple, Amazon, and SHEIN. No credit cards, no hidden fees—just simple, monthly payments right from your smartphone.

Publisher

Paidy Inc.

Shopping Freedom, Visualized

Discover the interface used by 11M+ users.

Paidy mobile app screens showing interest free installment plans and integrated Apple shopping features

Graphic showing Paidy payment deadline until the 27th of the next month and various payment options including bank transfer and convenience stores.

Mobile app screens showing spending charts transaction history and budget tracking features of Paidy

Smartphone screen showing the Paidy app barcode for paying monthly bills at a convenience store

Promotional banner for Paidy app featuring logos for Apple and Amazon with a smartphone mockup showing the shopping interface

Shop Smart, Pay on Your Terms

The tools that make this app stand out, trusted by 11M+ users.

🕒

Interest-Free Installments

Split your purchases into 3, 6, or 12 easy monthly payments with 0% interest and zero hidden fees.

📱

No Credit Card Required

Get started instantly with just your smartphone. Skip the paperwork and the hard credit checks for a frictionless experience.

🍎

Exclusive Apple Access

Own the latest iPhone or MacBook with a dedicated line of credit and 0% interest for up to 36 months.

Loved by users worldwide

Trusted by 11M+ people who love this app.

"Paidy made getting my new MacBook through the Apple Store so easy. I do not like traditional credit cards, so the 0% interest installment plan was perfect for my student budget. The app is super clean and helps me keep track of exactly what I owe each month without any hidden fees or surprises."

Jordan K.

"I love using Paidy for my Amazon and fashion hauls. It is so convenient to just pay one consolidated bill at the end of the month instead of dozens of small charges hitting my bank account. The identity verification was fast, and now I can use the 3-pay option for almost everything. It really helps me stay on top of my monthly spending."

Chloe L.

Review Analysis

Insights from user reviews.

Sentiment Score

15%

Negative

Summary

This app receives overwhelmingly negative feedback from users. Many express significant frustration over the recent removal of both real and virtual card functionality, which has severely limited its utility and convenience for everyday purchases and online shopping. Users also frequently report critical app bugs, including login failures, authentication issues, and the app failing to open, especially after updates, with one user specifically noting Amazon installment payment issues after an "iOS26 update." While a few appreciate the initial ease of setup and one recent positive interaction with customer support, a significant number of reviews highlight issues with Amazon payment rejections, inflexible credit limits without clear explanations, unexpected fees, and billing errors for cancelled orders, leading to a perception of declining service and reliability.

Common Themes

Card Functionality(20)

App Bugs and Reliability(11)

Customer Support(8)

Payment Rejection and Credit Limits(7)

Amazon Payment Issues(6)

Fees and Billing Errors(5)

Ease of Initial Setup(1)

About the app

Everything you need to know about Paidy.

Description

Features - Buy now pay later with just your smartphone - No Credit card nor Pre-registration required, no annual fee - Buy now at more than 700K shops including Amazon, SHEIN, DMM - Monthly consolidated bill received at the beginning of next month and you can easily choose the payment method that works best for you - Freely choose from convenient store, automatic debit transfer, bank transfer - Pay at Lawson, Ministop, FamilyMart,Seicomart,7-Eleven - Monthly bills can be paid by simply showing the screen at a convenience store with the app - You can pay at a convenience store at any time by using the "Pay Now" function - Discover products in "Shop" and "inspiration" tabs and complete purchase in the app for a smooth shopping experience Make shopping easier and delightful by verifying your identification: - Use "3 pay" or "6 pay" or "12 pay" to split your purchase into 3 or 6 or 12 monthly installments at 0% interest. * - Check your spend limit and set a budget to stop overspending *0% interest only with auto-debit and bank transfer. *The number of payments that can be selected varies depending on the merchant Paidy Plus for Apple - Shop at Apple with 0% interest** - Installment plans up to 36 months, depending on the product - Dedicated line of credit exclusively for Apple Retail - An application for “Paidy Plus for Apple” is required to shop at Apple***. **0% interest only with auto-debit and bank transfer. ***Paidy and Paidy Plus cannot be used to make purchases at Apple. ***The 3pay, 6pay, and 12pay features for Paidy Plus cannot be used with Apple. Recommended For -Those who prefer cashless payment -Those who prefer to pay monthly consolidated bills at next month -Those who are worried about the overuse of credit cards -Those who prefer to pay in monthly installments without fees -Those who prefer to freely choose payment options such as convenient store, automatic debit transfer, bank transfer -Those who prefer to purchase Apple products with monthly installments Security Measures -Account protected with two-factor authentication using verification codes -Monitor all transactions 24 hours a day, 365 days a year -Prevention of fraud and impersonation by identity verification -Payment information is encrypted with TLS (Transport Layer Security) [English] 【For more details, click here】 https://paidy.com 【Paidy Plus for Apple Terms of Use】 https://terms.paidy.com/hokatsu-apple/ 【Paidy Plus Terms of Use】 https://terms.paidy.com/hokatsu/

Latest Version

3.57.2

Size

138.4 MB

First Released

May 29, 2017

Upgrade Your Shopping, Not Your Debt

Join 11 million users splitting purchases into 0% interest installments. Get your favorite tech and fashion today with no credit card required and zero hidden fees.

FAQ

Frequently Asked Questions

Everything you need to know about Paidy

What is Paidy and how does it work?

Paidy allows users to buy now and pay later with just a smartphone, without requiring a credit card or pre-registration. There are no annual fees for using Paidy.

Does Paidy require a credit card or pre-registration?

No, Paidy does not require a credit card or pre-registration to use its services. There is no annual fee associated with a Paidy account.

Can I use Paidy at Amazon, SHEIN, or DMM?

Yes, Paidy can be used at over 700,000 shops. This includes popular online retailers like Amazon, SHEIN, and DMM for convenient shopping.

How do I pay my monthly Paidy bill?

Paidy sends a consolidated bill at the beginning of the next month. Users can choose to pay via convenience store, automatic debit transfer, or bank transfer.

Can I pay in installments with Paidy?

Yes, Paidy offers '3 pay', '6 pay', or '12 pay' to split purchases into monthly installments. These can be 0% interest with auto-debit and bank transfer.

Does Paidy offer 0% interest on installment payments?

Yes, Paidy offers 0% interest on installment plans ('3 pay', '6 pay', '12 pay') when payments are made via auto-debit or bank transfer.

What is Paidy Plus for Apple?

Paidy Plus for Apple enables 0% interest installment plans up to 36 months for Apple purchases. A dedicated application for “Paidy Plus for Apple” is required.

Can I manage my spending limit with Paidy?

Yes, Paidy allows users to check their spend limit and set a budget within the app to help prevent overspending and manage finances effectively.

How does Paidy ensure the security of my account?

Paidy protects accounts with two-factor authentication, monitors transactions 24/7, verifies identity for fraud prevention, and encrypts payment information with TLS.