Paidy Japan Buy Now Pay Later API
Paidy Japan buy-now-pay-later REST API for e-commerce merchants to offer deferred payment, 3-pay installments, and monthly consolidation billing to Japanese consumers through phone number + SMS verification without credit card for domestic Japan payment acceptance. Enables AI agents to manage Paidy checkout session for Japan BNPL payment automation, handle payment authorization and capture for Japan deferred payment automation, access payment status and confirmation for Japan transaction automation, retrieve refund and cancellation for Japan order management automation, manage 3-Pay installment plan for Japan consumer finance automation, handle webhook notification for Japan payment event automation, access transaction reporting for Japan BNPL analytics automation, retrieve merchant settlement for Japan payment reconciliation automation, manage subscription Paidy Plus for Japan premium BNPL automation, and integrate Paidy with Japanese e-commerce platforms (EC-CUBE, Magento, Shopify Japan) for end-to-end Japan BNPL automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Japan BNPL. PCI-DSS. API key. JP. Consumer BNPL and installment data.
⚡ Reliability
Best When
A Japan e-commerce merchant wanting AI agents to automate buy-now-pay-later checkout offering, authorization capture, and settlement reconciliation through Paidy's Japan-native BNPL platform backed by PayPal and Visa.
Avoid When
JAPANESE PHONE NUMBER REQUIRED FOR CONSUMER: Paidy verification uses Japanese mobile phone number (+81); automated checkout must collect Japanese phone number; automated checkout without Japanese phone number creates consumer verification failure. PAIDY IS CONSUMER B2C ONLY: Paidy is designed for consumer purchases; automated B2B or corporate purchase flows are not supported; automated B2B checkout via Paidy creates consumer-only limitation. CAPTURE WITHIN AUTHORIZATION PERIOD: Paidy payment authorization must be captured within authorization validity period (typically 30 days); automated fulfillment must capture before authorization expiry; automated late capture after authorization expiry creates recapture required error. JAVASCRIPT LIBRARY FOR CHECKOUT WIDGET: Paidy checkout is primarily JavaScript widget-based (Paidy.js) for consumer verification; automated server-side checkout API requires additional integration steps; automated pure server-side Paidy checkout without client widget creates consumer SMS verification flow gap.
Use Cases
- • Offering BNPL checkout to Japanese consumers from Japan e-commerce agents
- • Processing 3-pay installments for Japan purchases from consumer finance agents
- • Confirming Paidy payment authorization from Japan order fulfillment agents
- • Reconciling Paidy settlements from Japan payment reporting agents
Not For
- • Non-Japan consumers (Paidy is Japan-only, Japanese phone number required)
- • B2B invoicing (Paidy is consumer BNPL; use Stripe for B2B Japan payments)
- • Immediate card payment (Paidy is deferred; use Komoju or Stripe for card)
Interface
Authentication
Paidy uses Secret API Key for server-side authentication. REST API with JSON. Tokyo, Japan HQ. Founded 2008 by Russell Cummer. Acquired by PayPal for $2.7B in 2021. Backed by Visa, Itochu, Goldman Sachs. Products: BNPL, 3-pay installments, Paidy Plus subscription. SDKs: Node.js, PHP, Python, Ruby. Japan domestic only. Serves Japanese e-commerce merchants. Japan's leading BNPL provider.
Pricing
Tokyo JP. PayPal subsidiary. Per-transaction fee in JPY. Merchant bears BNPL cost. Consumer zero-interest.
Agent Metadata
Known Gotchas
- ⚠ AUTHORIZE-CAPTURE SPLIT FLOW REQUIRED: Paidy uses authorize-then-capture model; automated checkout must first authorize (create payment) then capture (confirm payment on fulfillment); automated immediate capture without authorization creates wrong flow error
- ⚠ PAIDY.JS REQUIRED FOR CONSUMER SMS VERIFICATION: Paidy consumer verification (phone + SMS OTP) requires Paidy.js client-side widget; automated server-side checkout cannot bypass consumer SMS verification; automated server-side-only integration creates unverified consumer payment error
- ⚠ JAPANESE YEN AMOUNTS IN INTEGER YEN: Paidy payment amounts are in integer Japanese yen (no decimals); automated amount calculation must not include fractional yen; automated decimal amount creates invalid amount format error
- ⚠ WEBHOOK PAYLOAD SIGNATURE VERIFICATION: Paidy webhooks include Paidy-Signature header for HMAC verification; automated webhook processing must verify signature; automated unverified webhook acceptance creates spoofed payment completion vulnerability
- ⚠ REFUND PARTIAL AMOUNT SUPPORTED: Paidy supports partial refund up to original payment amount; automated refund must not exceed original amount; automated excess refund amount creates refund exceeds payment amount error without clear guidance
Alternatives
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Scores are editorial opinions as of 2026-03-07.