Paidy Payments API

openapi: 3.0.3
info:
  title: Paidy Payments API
  description: 'Paidy is a Japanese buy now, pay later (BNPL) and digital payment service that enables Japanese consumers to make purchases and pay later via monthly consolidated billing. Merchants integrate Paidy Checkout (JavaScript) and the Paidy REST API to accept deferred payments, manage authorizations, capture funds, issue refunds, and handle recurring payments via stored tokens.

    '
  version: '2018-04-10'
  contact:
    name: Paidy Developer Support
    url: https://paidy.com/merchant/
  termsOfService: https://paidy.com/merchant/
  license:
    name: Proprietary
    url: https://paidy.com/merchant/
servers:
- url: https://api.paidy.com
  description: Production server
security:
- BearerAuth: []
tags:
- name: Payments
  description: Manage payment authorizations, captures, refunds, updates, and closures.
paths:
  /payments:
    post:
      tags:
      - Payments
      summary: Create a payment
      description: 'Creates a new payment using a stored Paidy token. Used for recurring/subscription billing where the consumer has previously authorized a token via Paidy Checkout.

        '
      operationId: createPayment
      parameters:
      - $ref: '#/components/parameters/PaidyVersion'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CreatePaymentRequest'
            example:
              token_id: tok_example123456
              amount: 5000
              currency: JPY
              description: Monthly subscription payment
              store_name: My Store
              buyer_data:
                user_id: usr_12345
                ltv: 50000
                order_count: 10
                billing_address:
                  line1: Shibuya 1-1
                  city: Tokyo
                  state: Tokyo
                  zip: 150-0001
              order:
                items:
                - quantity: 1
                  id: prod_001
                  title: Subscription Plan A
                  unit_price: 5000
                tax: 500
                shipping: 0
                order_ref: order_20260613_001
              shipping_address:
                line1: Shibuya 1-1
                city: Tokyo
                state: Tokyo
                zip: 150-0001
      responses:
        '200':
          description: Payment created successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '400':
          description: Bad Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '403':
          description: Forbidden
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
  /payments/{id}:
    get:
      tags:
      - Payments
      summary: Retrieve a payment
      description: Retrieves a payment by its unique ID, including all captures and refunds.
      operationId: getPayment
      parameters:
      - $ref: '#/components/parameters/PaymentId'
      - $ref: '#/components/parameters/PaidyVersion'
      responses:
        '200':
          description: Payment retrieved successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '400':
          description: Bad Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '403':
          description: Forbidden
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '404':
          description: Payment not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
    put:
      tags:
      - Payments
      summary: Update a payment
      description: 'Updates a payment''s order reference, description, or metadata. Only these three fields can be updated; all others are ignored.

        '
      operationId: updatePayment
      parameters:
      - $ref: '#/components/parameters/PaymentId'
      - $ref: '#/components/parameters/PaidyVersion'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/UpdatePaymentRequest'
      responses:
        '200':
          description: Payment updated successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '400':
          description: Bad Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '403':
          description: Forbidden
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '404':
          description: Payment not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
  /payments/{id}/captures:
    post:
      tags:
      - Payments
      summary: Capture a payment
      description: 'Captures a previously authorized payment. The payment status changes to "closed" after a successful capture. An empty JSON object must be provided in the request body.

        '
      operationId: capturePayment
      parameters:
      - $ref: '#/components/parameters/PaymentId'
      - $ref: '#/components/parameters/PaidyVersion'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CapturePaymentRequest'
            example:
              metadata: {}
      responses:
        '200':
          description: Payment captured successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '400':
          description: Bad Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '403':
          description: Forbidden
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '404':
          description: Payment not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
  /payments/{id}/refunds:
    post:
      tags:
      - Payments
      summary: Refund a payment
      description: 'Refunds a captured payment, either fully or partially. Requires a capture ID. Omit the amount field for a full refund.

        '
      operationId: refundPayment
      parameters:
      - $ref: '#/components/parameters/PaymentId'
      - $ref: '#/components/parameters/PaidyVersion'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/RefundPaymentRequest'
            example:
              capture_id: cap_example123456
              amount: 2500
              reason: Customer returned item
              metadata: {}
      responses:
        '200':
          description: Refund created successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '400':
          description: Bad Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '403':
          description: Forbidden
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '404':
          description: Payment not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
  /payments/{id}/close:
    post:
      tags:
      - Payments
      summary: Close a payment
      description: 'Closes an authorized payment without capturing it. After closing, the payment cannot be captured. An empty JSON object must be provided in the request body.

        '
      operationId: closePayment
      parameters:
      - $ref: '#/components/parameters/PaymentId'
      - $ref: '#/components/parameters/PaidyVersion'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              description: Empty object required
            example: {}
      responses:
        '200':
          description: Payment closed successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '400':
          description: Bad Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '403':
          description: Forbidden
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '404':
          description: Payment not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '409':
          description: Conflict - payment already closed
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
components:
  schemas:
    Capture:
      type: object
      properties:
        id:
          type: string
          description: Unique capture ID (begins with `cap_`)
          example: cap_example123456
        created_at:
          type: string
          format: date-time
          description: ISO 8601 creation timestamp
          example: '2026-06-13T00:00:00Z'
        amount:
          type: number
          format: double
          description: Captured amount in JPY
          example: 5000
        tax:
          type: number
          format: double
          description: Tax amount captured
          example: 500
        shipping:
          type: number
          format: double
          description: Shipping amount captured
          example: 0
        items:
          type: array
          description: Order items captured
          items:
            $ref: '#/components/schemas/OrderItem'
        metadata:
          $ref: '#/components/schemas/Metadata'
    Metadata:
      type: object
      description: Key-value map for arbitrary data; maximum 20 keys
      additionalProperties:
        type: string
      maxProperties: 20
      example:
        custom_field: value
    Address:
      type: object
      properties:
        line1:
          type: string
          description: Building or apartment information
          example: Shibuya 1-1
        line2:
          type: string
          description: District or land details
          example: Apartment 301
        city:
          type: string
          description: Municipality name
          example: Tokyo
        state:
          type: string
          description: Prefecture name
          example: Tokyo
        zip:
          type: string
          description: Postal code in format NNN-NNNN; required with at least one other field
          example: 150-0001
    CapturePaymentRequest:
      type: object
      properties:
        metadata:
          $ref: '#/components/schemas/Metadata'
    BuyerData:
      type: object
      required:
      - user_id
      - ltv
      - order_count
      - billing_address
      properties:
        user_id:
          type: string
          description: Consumer's store user ID
          example: usr_12345
        age:
          type: integer
          description: Days since account opening
          example: 365
        age_platform:
          type: integer
          description: Days since parent organization account creation
          example: 730
        account_registration_date:
          type: string
          format: date
          description: Account registration date (YYYY-MM-DD)
          example: '2025-06-13'
        days_since_first_transaction:
          type: integer
          description: Days since first transaction, excluding canceled/refunded orders
          example: 90
        ltv:
          type: number
          format: double
          description: Lifetime value in JPY
          example: 50000
        order_count:
          type: integer
          description: Total number of orders made
          example: 10
        last_order_amount:
          type: number
          format: double
          description: JPY amount of last order
          example: 3000
        last_order_at:
          type: integer
          description: Days since last purchase
          example: 30
        last_order_date:
          type: string
          format: date
          description: Date of last order (YYYY-MM-DD)
          example: '2026-05-13'
        order_amount_last3months:
          type: integer
          description: Total spending in last 90 days
          example: 15000
        order_count_last3months:
          type: integer
          description: Number of orders in last 90 days
          example: 3
        additional_shipping_addresses:
          type: array
          description: Additional delivery locations
          items:
            $ref: '#/components/schemas/Address'
        billing_address:
          $ref: '#/components/schemas/Address'
        delivery_locn_type:
          type: string
          description: Delivery location type
          enum:
          - home
          - office
          - shop
          - combini
          - locker
          - post_office
          - delivery_center
          - forwarding_shipment_service
          - gift
          - not_primary_home
          example: home
        gender:
          type: string
          description: Consumer gender
          example: Male
        subscription_counter:
          type: integer
          description: Total number of subscription purchases
          example: 5
        previous_payment_methods:
          type: object
          description: Boolean flags indicating previously used payment methods
          additionalProperties:
            type: boolean
        number_of_points:
          type: integer
          description: Accumulated loyalty points
          example: 1000
        order_item_categories:
          type: array
          description: Categories of ordered items (comma-separated)
          items:
            type: string
    RefundPaymentRequest:
      type: object
      required:
      - capture_id
      properties:
        capture_id:
          type: string
          description: Capture ID to refund (begins with `cap_`)
          example: cap_example123456
        amount:
          type: number
          format: double
          description: Refund amount in JPY; omit for full refund
          example: 2500
        reason:
          type: string
          description: Refund reason description
          example: Customer returned item
        metadata:
          $ref: '#/components/schemas/Metadata'
    Refund:
      type: object
      properties:
        id:
          type: string
          description: Unique refund ID (begins with `ref_`)
          example: ref_example123456
        created_at:
          type: string
          format: date-time
          description: ISO 8601 creation timestamp
          example: '2026-06-13T00:00:00Z'
        capture_id:
          type: string
          description: Associated capture ID
          example: cap_example123456
        amount:
          type: number
          format: double
          description: Refunded amount in JPY
          example: 2500
        reason:
          type: string
          description: Refund reason
          example: Customer returned item
        metadata:
          $ref: '#/components/schemas/Metadata'
    OrderItem:
      type: object
      required:
      - quantity
      - unit_price
      properties:
        quantity:
          type: integer
          description: Item quantity
          example: 1
        id:
          type: string
          description: Merchant product ID
          example: prod_001
        title:
          type: string
          description: Item name for display
          example: Subscription Plan A
        description:
          type: string
          description: Item details
          example: Monthly subscription
        unit_price:
          type: number
          format: double
          description: Per-unit price in JPY; use negative value for discounts
          example: 5000
    Order:
      type: object
      required:
      - items
      properties:
        items:
          type: array
          description: List of order items
          items:
            $ref: '#/components/schemas/OrderItem'
        tax:
          type: number
          format: double
          description: Total tax amount in JPY
          example: 500
        shipping:
          type: number
          format: double
          description: Total shipping cost in JPY
          example: 0
        order_ref:
          type: string
          description: Merchant-defined order reference ID
          example: order_20260613_001
        updated_at:
          type: string
          format: date-time
          description: ISO 8601 timestamp of last update
          readOnly: true
    Buyer:
      type: object
      properties:
        name1:
          type: string
          description: Consumer's full name (kanji/kana)
          example: 山田 太郎
        name2:
          type: string
          description: Consumer's name in alternate script
          example: Taro Yamada
        email:
          type: string
          format: email
          description: Consumer's email address
          example: taro@example.com
        phone:
          type: string
          description: Consumer's phone number
          example: 090-1234-5678
    Payment:
      type: object
      properties:
        id:
          type: string
          description: Unique payment ID (begins with `pay_`)
          example: pay_example123456
        status:
          type: string
          description: Current payment status
          enum:
          - authorized
          - closed
          - rejected
          example: authorized
        created_at:
          type: string
          format: date-time
          description: ISO 8601 creation timestamp
          example: '2026-06-13T00:00:00Z'
        expires_at:
          type: string
          format: date-time
          description: ISO 8601 expiration deadline for authorization
          example: '2026-07-13T00:00:00Z'
        amount:
          type: number
          format: double
          description: Total payment amount in JPY
          example: 5000
        currency:
          type: string
          description: Currency code
          example: JPY
        description:
          type: string
          description: Payment description
          example: Monthly subscription payment
        store_name:
          type: string
          description: Merchant store name
          example: My Store
        test:
          type: boolean
          description: Indicates if this is a test payment
          example: false
        tier:
          type: string
          description: Payment tier
          example: classic
        buyer:
          $ref: '#/components/schemas/Buyer'
        order:
          $ref: '#/components/schemas/Order'
        shipping_address:
          $ref: '#/components/schemas/Address'
        captures:
          type: array
          description: List of captures for this payment
          items:
            $ref: '#/components/schemas/Capture'
        refunds:
          type: array
          description: List of refunds for this payment
          items:
            $ref: '#/components/schemas/Refund'
        metadata:
          $ref: '#/components/schemas/Metadata'
    UpdatePaymentRequest:
      type: object
      properties:
        order_ref:
          type: string
          description: Merchant-defined order reference ID
          example: order_20260613_001
        description:
          type: string
          description: Payment description
          example: Updated description
        metadata:
          $ref: '#/components/schemas/Metadata'
    Error:
      type: object
      properties:
        status:
          type: integer
          description: HTTP status code
          example: 400
        code:
          type: string
          description: Paidy error code
          example: request_content.malformed
        message:
          type: string
          description: Human-readable error description
          example: Missing or incorrectly formatted required fields
    CreatePaymentRequest:
      type: object
      required:
      - token_id
      - amount
      - currency
      - buyer_data
      - order
      - shipping_address
      properties:
        token_id:
          type: string
          description: Paidy-generated token ID (begins with `tok_`)
          example: tok_example123456
        amount:
          type: number
          format: double
          description: Total payment amount including tax and shipping in JPY
          example: 5000
        currency:
          type: string
          description: Currency code; must be JPY
          enum:
          - JPY
          example: JPY
        description:
          type: string
          description: Payment description
          example: Monthly subscription payment
        store_name:
          type: string
          description: Merchant store name for display
          example: My Store
        buyer_data:
          $ref: '#/components/schemas/BuyerData'
        order:
          $ref: '#/components/schemas/Order'
        metadata:
          $ref: '#/components/schemas/Metadata'
        shipping_address:
          $ref: '#/components/schemas/Address'
  parameters:
    PaymentId:
      name: id
      in: path
      required: true
      description: Unique payment ID (begins with `pay_`)
      schema:
        type: string
        example: pay_example123456
    PaidyVersion:
      name: Paidy-Version
      in: header
      required: false
      description: API version date. Recommended value is 2018-04-10.
      schema:
        type: string
        example: '2018-04-10'
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      description: 'Use your Paidy secret key (prefixed with `sk_`) as the bearer token. Never share your secret key. Use test keys for sandbox testing.

        '
externalDocs:
  description: Paidy API Reference
  url: https://paidy.com/docs/api/en/