Paidy website screenshot

Paidy

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.

Paidy publishes 2 APIs on the APIs.io network: Payments API and Tokens API. Tagged areas include Buy Now Pay Later, BNPL, Payments, Japan, and Checkout.

The Paidy catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Paidy’s developer surface includes authentication, documentation, API reference, changelog, status page, and 6 more developer resources.

🌐 Visit website 📡 Source on GitHub
45.6/100 developing ▼ -5.7 Agent 50/100 agent ready Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessSelf serve
3 APIs
Buy Now Pay LaterBNPLPaymentsJapanCheckoutDeferred PaymentsRecurring PaymentsTokens

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 45.6/100 · developing
Contract Quality 17.3 / 25
Developer Ergonomics 5.2 / 20
Commercial Clarity 7.9 / 20
Operational Transparency 3.1 / 13
Governance 7.0 / 12
Discoverability 7.4 / 10
Agent readiness — 50/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/paidy: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 3

Individual APIs this provider publishes, each with its own machine-readable definition.

Paidy Checkout

JavaScript-based checkout integration that enables consumers to authenticate with Paidy and authorize payments or create recurring payment tokens directly from the merchant chec...

Paidy Payments API

Manage payment authorizations, captures, refunds, updates, and closures.

Paidy Tokens API

Manage recurring payment tokens for subscription billing.

Pricing Plans 1

Published pricing tiers and plan structures.

Plans

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

context Context

55 classes · 6 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Paidy API Rules

6 rules · 5 warnings 1 info

SPECTRAL

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

Payment

16 properties

JSON SCHEMA

Token

16 properties

JSON SCHEMA

Examples 6

Example request and response payloads for these APIs.

Capture Payment

1 fields

EXAMPLE

Create Payment

8 fields

EXAMPLE

Payment Response

16 fields

EXAMPLE

Refund Payment

4 fields

EXAMPLE

Suspend Token

2 fields

EXAMPLE

Token Response

16 fields

EXAMPLE

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Paidy Authentication

http · 1 scheme

SECURITY

Paidy Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Paidy Agentic Access

11 operations · 8 acting

11 operations · 8 acting

AGENTIC

Resources

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Webhooks
Webhooks
 Testing
Testing

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 2

Status, limits, changes, and where to get help

ChangeLog
ChangeLog
 Status
Status

Commercial 1

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService

Other 1

Properties that don't map to a standard resource type

Merchant Dashboard
Merchant Dashboard

Source (apis.yml)

apis.yml Raw ↑ 
name: Paidy
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.
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/paidy.png
url: https://raw.githubusercontent.com/api-evangelist/paidy/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.19'
tags:
- Buy Now Pay Later
- BNPL
- Payments
- Japan
- Checkout
- Deferred Payments
- Recurring Payments
- Tokens
apis:
- name: Paidy Checkout
  description: JavaScript-based checkout integration that enables consumers to authenticate with Paidy and authorize payments
    or create recurring payment tokens directly from the merchant checkout page. Handles the consumer-facing authentication
    flow including SMS verification.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://paidy.com/docs/en/paidycheckout.html
  baseURL: https://apps.paidy.com
  tags:
  - Checkout
  - JavaScript
  - Consumer Authentication
  - BNPL
  - Japan
  properties:
  - type: Documentation
    url: https://paidy.com/docs/en/paidycheckout.html
  - type: Authentication
    url: https://paidy.com/docs/api/en/#section/Authentication
  - type: Testing
    url: https://paidy.com/docs/en/testing.html
  contact:
  - FN: Paidy Developer Support
    url: https://paidy.com/merchant/
    email: ''
- aid: paidy:paidy-payments-api
  name: Paidy Payments API
  description: Manage payment authorizations, captures, refunds, updates, and closures.
  humanURL: https://paidy.com/docs/en/payments.html
  baseURL: https://api.paidy.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/paidy-payments-api-openapi.yml
  - type: Documentation
    url: https://paidy.com/docs/en/payments.html
  - type: Authentication
    url: https://paidy.com/docs/api/en/#section/Authentication
  - type: Webhooks
    url: https://paidy.com/docs/en/webhook.html
  - type: ChangeLog
    url: https://paidy.com/docs/en/updates.html
  - type: Testing
    url: https://paidy.com/docs/en/testing.html
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/paidy/refs/heads/main/plans/plans.yml
  - type: RateLimits
    url: https://raw.githubusercontent.com/api-evangelist/paidy/refs/heads/main/rate-limits/rate-limits.yml
  - type: FinOps
    url: https://raw.githubusercontent.com/api-evangelist/paidy/refs/heads/main/finops/finops.yml
  - type: Documentation
    url: https://paidy.com/docs/en/tokens.html
- aid: paidy:paidy-tokens-api
  name: Paidy Tokens API
  description: Manage recurring payment tokens for subscription billing.
  humanURL: https://paidy.com/docs/en/payments.html
  baseURL: https://api.paidy.com
  tags:
  - Tokens
  properties:
  - type: OpenAPI
    url: openapi/paidy-tokens-api-openapi.yml
  - type: Documentation
    url: https://paidy.com/docs/en/payments.html
  - type: Authentication
    url: https://paidy.com/docs/api/en/#section/Authentication
  - type: Webhooks
    url: https://paidy.com/docs/en/webhook.html
  - type: ChangeLog
    url: https://paidy.com/docs/en/updates.html
  - type: Testing
    url: https://paidy.com/docs/en/testing.html
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/paidy/refs/heads/main/plans/plans.yml
  - type: RateLimits
    url: https://raw.githubusercontent.com/api-evangelist/paidy/refs/heads/main/rate-limits/rate-limits.yml
  - type: FinOps
    url: https://raw.githubusercontent.com/api-evangelist/paidy/refs/heads/main/finops/finops.yml
  - type: Documentation
    url: https://paidy.com/docs/en/tokens.html
common:
- type: AgenticAccess
  url: agentic-access/paidy-agentic-access.yml
- type: DomainSecurity
  url: security/paidy-domain-security.yml
- type: Authentication
  url: authentication/paidy-authentication.yml
- type: Documentation
  url: https://paidy.com/docs/en/
- type: APIReference
  url: https://paidy.com/docs/api/en/
- type: Merchant Dashboard
  url: https://merchant.paidy.com/
- type: Webhooks
  url: https://paidy.com/docs/en/webhook.html
- type: ChangeLog
  url: https://paidy.com/docs/en/updates.html
- type: Testing
  url: https://paidy.com/docs/en/testing.html
- type: Status
  url: https://paidy.com/
- type: TermsOfService
  url: https://paidy.com/merchant/
maintainers:
- FN: API Evangelist
  url: https://apievangelist.com
  email: info@apievangelist.com