Paidy is Japan's pioneering buy-now-pay-later (BNPL) service, offering instant monthly-consolidated credit that allows consumers to shop online without a credit card. The platform uses proprietary machine learning models for real-time payment underwriting, guaranteeing payments to merchants while boosting conversion rates and average order values. In 2021, Paidy reached an agreement to join PayPal, continuing to operate its brand and services across Japan.
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