Paidy

Paidy offers instant, monthly-consolidated credit to consumers throughout Japan. In October 2014, Paidy started Japan's first instant post-pay credit service for e-commerce consumers. With the goal of removing barriers and embracing simplicity, Paidy uses proprietary models and machine learning to underwrite transactions in seconds and guarantee payments to merchants. Paidy increases revenue for merchants by reducing the number of incomplete transactions, increasing conversion rates, boosting average order values, and facilitating repeat purchases from consumers.