Paidy
EcosystemJapanese deferred payment and BNPL provider acquired by PayPal, allowing consumers in Japan to buy now and pay later via monthly invoice without a credit card.
Paidy is a UCP payment handler, enabling secure payment processing for UCP transactions.
Paidy is a deferred payment platform built for the Japanese market. Consumers use Paidy to make purchases without a credit card and pay a consolidated monthly invoice. Paidy handles credit assessment using its own model, which is calibrated for Japanese consumers who often lack traditional credit histories. PayPal acquired Paidy in 2021 for approximately $2.7 billion.
Paidy is deeply integrated into major Japanese e-commerce platforms including Amazon Japan, Rakuten, and thousands of independent merchants. Its 3-Pay and monthly BNPL products are popular with younger consumers. Paidy also offers an Anywhere BNPL product that works at any merchant via a virtual card.
Paidy has not announced UCP integration. Its API allows merchants to create payment sessions and check payment status. For agents operating in Japanese e-commerce, Paidy is frequently the preferred payment method for consumers who want deferred payment without credit card friction.
Why This Matters for UCP
Paidy enables AI agents to offer deferred payment options to Japanese consumers at checkout, covering the dominant BNPL payment preference in Japan where credit card penetration is lower than in Western markets.
UCP Capabilities
UCP Endpoint
Ecosystem — Endpoint not yet publicly available
Integration Example
// Paidy API for creating deferred payment sessions in Japan.
// Agents initiate a Paidy session and redirect consumers to confirm.
// Create a Paidy payment session
const session = await fetch('https://api.paidy.com/payments', {
method: 'POST',
headers: {
'Content-Type': 'application/json',
'Paidy-Version': '2018-04-10',
Authorization: 'Bearer ' + process.env.PAIDY_SECRET_KEY,
},
body: JSON.stringify({
amount: 12000,
currency: 'JPY',
order: {
cart: [{ id: 'item-001', quantity: 1, title: 'Product', unit_price: 12000 }],
},
buyer: { email: buyerEmail, name1: buyerName },
}),
}).then(r => r.json());
// session.id is used for the consumer authorization flow
// session.status: 'created' -> consumer confirms -> 'authorized'
console.log('Session ID:', session.id);Category
Payment HandlersUCP Status
EcosystemTags
Pricing
free
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Reviews
★★★★★4.7 (3 reviews)These are illustrative examples to show what reviews will look like. Submit your own experience below.
N. Bergman
Senior Backend Engineer · Feb 7, 2026
The UCP payment handling is correct. Latency is a bit higher than our non-UCP flows, but still within acceptable bounds for checkout.
A. Kim
Fintech Developer · Jan 25, 2026
Used this to add UCP checkout support to our app. The spec compliance is exact — everything we tested against the conformance suite passed.
C. Russo
Payments Engineer · Mar 2, 2026
Payment token exchange is solid. We process UCP transactions across multiple merchants and have not hit any protocol-level issues in three months.
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