# Paidy

**Canonical:** https://apis.io/providers/paidy/  
**APIs profiled:** 3

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.

## Kin Score — 42.0 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 42.0).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 66.8 |
| Governance | 9.8 |
| Contract Governance | 9.8 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 28.6 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Payments**: 32.8 (matched via tags).

## Agent readiness — 49.1 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: high).

## APIs (3)

- **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.

## Agentic access (1)

- **Paidy Agentic Access** — 11 operations · 8 acting

## Security (2)

- **Paidy Authentication** — http · 1 scheme
- **Paidy Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Plans**

## Tags

Buy Now Pay Later, BNPL, Payments, Japan, Checkout, Deferred Payments, Recurring Payments, Tokens

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/paidy/). Scores are computed from the provider's own public artifacts under a published rubric.