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 3 API contracts indexed on the APIs.io network, including Payments API, Tokens API, and 1 more. Tagged areas include Buy Now Pay Later, Payments, Japan, Checkout, and Deferred Payments.

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

Paidy’s developer surface includes engineering blog, authentication, documentation, API reference, changelog, status page, and 11 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

34.0/100 thin ▬ flat Agent 36/100 agent ready saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract

Buy Now Pay Later Payments Japan CheckoutDeferred PaymentsRecurring Payments Tokens

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Subscription Billing & Revenue Management

BC-4250

Payments

POST /payments POST /payments/{id}/captures POST /payments/{id}/refunds

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 34.0/100 · thin

Contract Quality 10.9 / 19

Developer Ergonomics 4.7 / 15

Access Clarity 2.4 / 15

Operational Transparency 2.3 / 10

Contract Governance 0.9 / 9

Discoverability 5.0 / 8

Regulatory Posture 2.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 36/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Pagination +5 pts — share of collection GETs (an array, or one wrapped in data/items/results ...) that declare a page/limit/offset/cursor parameter, a Link header or a next/cursor field; na with no collection GETs

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 15.8 — up to +16.8 composite points
Developer Ergonomics scores 31.0 — up to +13.8 composite points
Contract Governance scores 9.8 — up to +10.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/paidy/apis.yml: open an issue on github.com/api-evangelist/paidy to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-
Japan FSA Registered Fintech (crypto exchanges, stablecoin intermediaries, funds transfer, bank-API agents, prepaid)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

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.

Open Collections 2

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Paidy Payments API

OPEN COLLECTION

Paidy Payments Tokens API

OPEN COLLECTION

Paidy API pricing

Not yet checked against Paidy's own pricing page. Compiled by API Evangelist; confirm before you rely on a figure.

Plan	Price
Merchant Integration	—

Plan details, limits and sources →

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

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Paidy

SLA

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 — jsonschema 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

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 3

Status, limits, changes, and where to get help

RateLimits

RateLimits

ChangeLog

ChangeLog

Status

Status

Commercial 3

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

TermsOfService

TermsOfService

Company 2

The organization behind the API

Blog

Blog

Website

Website

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Merchant Dashboard

Merchant Dashboard

Source (apis.yml)

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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  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: '2026-10-06'
specificationVersion: '0.23'
tags:
- Buy Now Pay Later
- Payments
- Japan
- Checkout
- Deferred Payments
- Recurring Payments
- Tokens
tags_raw:
- 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
  - Buy Now Pay Later
  - Japan
  tags_raw:
  - 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: Plans
  url: plans/plans.yml
- type: RateLimits
  url: rate-limits/rate-limits.yml
- type: FinOps
  url: finops/finops.yml
- url: https://corp.paidy.com/news/
  type: Blog
- type: CapabilityMap
  url: capabilities/paidy-capability-edges.yml
  name: Paidy Business Capability Map
- type: Website
  url: https://www.paidy.com/
- 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

Paidy API — frequently asked questions

Does Paidy have an API?

Yes. APIs.io lists 3 APIs from Paidy, including Paidy Checkout, Paidy Payments API and Paidy Tokens API.

Is there an OpenAPI specification for the Paidy API?

Yes. APIs.io indexes 2 OpenAPI specifications for Paidy, each linked for download from this page.

How do I authenticate with the Paidy API?

Paidy uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Paidy Authentication.

How much does the Paidy API cost?

APIs.io lists 1 pricing plan for Paidy, with each plan's price, limits and inclusions under Pricing on this page.

Is the Paidy API ready for AI agents?

Paidy has a Kin Score of 34.0 out of 100 (thin) and an Agent Readiness score of 36.3 (agent-ready), scored by API Evangelist on 2026-11-06.

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get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
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