[Convenient and Affordable!] How to Shop Smart with Paidy Post-Payment Installments
"I want something, but paying for it all at once right now is a bit... difficult."
"But I don't want to use my credit card either..."
In such cases, Paidy, a post-payment service, is convenient. In particular, Paidy's "installment payment" is gaining attention because it allows you to shop wisely with no installment fees.
This blog post will explain in detail how to purchase products at our store using Paidy's installment payment option!
Installment fees are only free for bank transfers and direct debit. Please note that fees may apply depending on the payment method, such as convenience store payments.
What types of Paidy installment payments are there?
Paidy's installment payments primarily include the following types:
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3-month post-payment: Available for purchases of 3,000 yen or more per transaction
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6-month post-payment: Available for purchases of 6,000 yen or more per transaction
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12-month post-payment: Available for purchases of 12,000 yen or more per transaction
These installment payments become available after verifying your identity through the Paidy app (upgrading to Paidy Plus).
Our store supports up to 3 installments.
Benefits of using Paidy installment payments
Paidy's installment payment offers many attractive benefits!
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No installment fees：This is the biggest benefit! You can pay without fees, making it easier to purchase expensive items.
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No credit card needed: Available to those who don't have a credit card or prefer not to use one.
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No prior registration required (for first-time use): You can start using it immediately with just an email address and mobile phone number. (Identity verification is required for installment payments)
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Consolidated payment next month: Even if you shop multiple times in a month, payments are consolidated into one single payment due the following month.
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Budget setting function: You can set a monthly budget in the Paidy app to prevent overspending.
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High security: Equipped with security measures for safe use.
How to purchase using Paidy installment payments
The process of purchasing products with Paidy installment payments is very simple!
1. Download the Paidy app & verify your identity (upgrade to Paidy Plus)
First, download the Paidy app to your smartphone. To use installment payments, you need to verify your identity within the app and upgrade to Paidy Plus for free. This will increase your available credit and allow you to use installment payments.
2. Select products on the online shop
As usual, add the desired products to your cart.
3. Select "Post-payment (Paidy)" as the payment method
On the checkout screen, select "Post-payment (Paidy)" from the payment methods.
4. Enter your email address and mobile phone number
Follow the on-screen instructions and enter your email address and mobile phone number.
5. Enter the SMS verification code
A 4-digit verification code will be sent via SMS to the mobile phone number you entered; input this code.
6. Select your desired number of installments
If identity verification has been completed, a screen will appear for you to select the number of installments. Select "3-month post-payment" here.
【Important points】
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The number of installments you can choose varies depending on the store and purchase amount.
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If you purchase using "Post-payment (Paidy)" on Amazon, you may not be able to change the number of installments after purchase.
7. Purchase complete!
Your purchase is now complete. Payments will begin the following month, divided into the selected number of installments.
It's also possible to change to installment payments after purchase!
Don't worry if you accidentally made a lump-sum purchase! You can change to installment payments after purchase from the Paidy app.
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Open the Paidy app
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Tap "Usage History"
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Select the purchase you want to change to installment payments
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Tap "Change to Installment Payment," select your desired number of installments, and complete
【Important points】
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The period and conditions for changing to installment payments vary depending on the purchase.
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Some stores may not allow changes after purchase.
About Payment
Between the 1st and 5th of each month, you will receive an email and SMS notification of your bill amount. The payment deadline is the 27th of the following month.
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Bank transfer: Automatic debit on the 12th of each month (no fee)
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Bank transfer: Transfer to the specified account by the 27th of each month (transfer fees borne by the customer)
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Convenience store payment: Pay at a convenience store register by the 27th of each month (fee of 390 yen (tax included) / per transaction)
Important points for Paidy installment payments
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Identity verification (upgrade to Paidy Plus) is required: To use installment payments, you must complete identity verification in the Paidy app in advance.
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Upper limit of available credit: Paidy has a set available credit limit. It cannot be used for purchases exceeding this limit.
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Beware of late payments: If you miss the payment deadline, late payment fees may be incurred. Please plan your usage carefully.
Summary
Paidy's installment payment is a very convenient service that allows you to easily purchase expensive items even without a credit card. The fact that there are no installment fees is a major advantage. Use it wisely to get the items you want without overstretching your budget!
Take this opportunity to download the Paidy app and experience smart shopping.
