Paidy

**Paidy: Simple and Flexible Buy Now, Pay Later** Paidy is a convenient and flexible payment solution that allows you to shop now and pay later with just your smartphone. Whether you’re shopping at one of over 700,000 online stores or splitting your purchase into manageable monthly installments, Paidy makes shopping easier and more accessible. **Key Features:** - **Buy Now, Pay Later**: Shop at popular stores like Amazon, SHEIN, and DMM without the need for a credit card or pre-registration. You can consolidate all your purchases into a single monthly bill, which you can pay at the beginning of the next month. - **Flexible Payment Options**: Choose how you want to pay your monthly bill—whether it’s at a convenience store, via automatic debit transfer, or through a bank transfer. Payments can be made at major convenience stores like Lawson, 7-Eleven, and FamilyMart. - **Interest-Free Installments**: Split your purchases into 3, 6, or 12 monthly payments with 0% interest when using auto-debit or bank transfer. This feature helps you manage larger purchases without the burden of interest. - **Virtual and Physical Cards**: Get a virtual card that can be used as a credit card at any online shop with the Visa mark. You can also request a physical card for in-store purchases. Both options are free and easy to set up. - **Paidy Plus for Apple**: Enjoy 0% interest on installment plans up to 36 months when shopping for Apple products. This feature offers a dedicated line of credit exclusively for Apple Retail. - **Security**: Your account is protected with two-factor authentication, 24/7 transaction monitoring, and identity verification to prevent fraud. All payment information is encrypted with TLS for added security. Paidy is perfect for those who prefer cashless payments, want to avoid the overuse of credit cards, or need flexible payment options for managing their monthly expenses. Shop with confidence and convenience using Paidy.

**Paidy App User Guide** Welcome to Paidy, your flexible and secure Buy Now, Pay Later solution. This guide will help you navigate the Paidy app and make the most of its features for a seamless shopping experience. ### 1. **Getting Started** **Download and Install the App:** - Visit the App Store or Google Play Store and search for "Paidy." - Download and install the app on your smartphone. **Create an Account:** - Open the Paidy app and follow the prompts to create an account. - Enter your phone number and complete the verification process using the code sent to your phone. - Set up your account with your basic personal information. ### 2. **Shopping with Paidy** **Make a Purchase:** - Browse your favorite online stores, including Amazon, SHEIN, and DMM, and shop as you normally would. - At checkout, select Paidy as your payment method. - Complete your purchase without needing a credit card or pre-registration. **Explore the Shop and Inspiration Tabs:** - Use the “Shop” and “Inspiration” tabs within the app to discover new products and stores. - Complete your purchases directly through the app for a smooth and integrated shopping experience. ### 3. **Managing Your Payments** **Monthly Consolidated Bill:** - Paidy consolidates all your purchases into a single monthly bill, which you’ll receive at the beginning of the next month. - Review your bill in the app to see all your purchases and the total amount due. **Choose Your Payment Method:** - Tap on “Payment Options” to choose how you want to pay your bill: - **Convenience Store Payment**: Pay at any Lawson, 7-Eleven, FamilyMart, or other major convenience stores by simply showing the payment screen in the app. - **Automatic Debit Transfer**: Set up automatic payments from your bank account to ensure your bill is paid on time. - **Bank Transfer**: Transfer funds from your bank account to pay your bill manually. **Use the Pay Now Function:** - If you want to pay off your balance early, use the “Pay Now” feature in the app. This allows you to settle your bill at any time before the due date. ### 4. **Using Installment Plans** **Split Payments with 3, 6, or 12 Pay:** - When making larger purchases, select the option to split your payment into 3, 6, or 12 monthly installments at 0% interest (when using auto-debit or bank transfer). - The number of installments available may vary depending on the merchant. **Paidy Plus for Apple:** - Apply for “Paidy Plus for Apple” within the app to access a dedicated line of credit for Apple Retail products. - Enjoy 0% interest on installment plans of up to 36 months for your Apple purchases. ### 5. **Managing Your Account** **Check Your Spend Limit:** - View your available spending limit in the “Account” section of the app. - Set a budget to help manage your spending and avoid overspending. **Request a Virtual or Physical Card:** - Get a virtual card for online shopping or request a physical Visa card for in-store purchases. - Both cards can be managed directly from the app, allowing you to track your spending and make payments easily. ### 6. **Security Features** **Enable Two-Factor Authentication:** - Go to “Settings” and activate two-factor authentication to enhance the security of your account. - This will require you to enter a verification code sent to your phone each time you log in. **Monitor Transactions:** - Paidy monitors all transactions 24/7 to detect and prevent fraudulent activity. - You can review your transaction history in the app at any time to ensure all charges are correct. ### 7. **Support and Assistance** **Access Customer Support:** - If you need help, visit the “Help” section in the app for FAQs and troubleshooting tips. - For further assistance, contact Paidy customer support directly through the app. With this guide, you’re ready to use the Paidy app to shop, manage payments, and enjoy a flexible and secure buying experience. Enjoy the convenience of Buy Now, Pay Later with Paidy!