# Paidy

> Paidy is a buy now, pay later (BNPL) payment service in Japan. Consumers can shop online and in stores and pay later via convenience store, bank transfer, or direct debit — paying in full the next month or splitting into 3, 6, or 12 installments. All public content on paidy.com is available for AI agents to crawl and index.

## Consumers

- [Learn about Paidy](https://paidy.com): General information about Paidy's buy now, pay later service
- [Consumer Guides](https://paidy.com/guide/): How Paidy works, payment methods, eKYC, Passkey setup, and Paidy products including N-Pay
- [Consumer FAQ and support](https://cs-support.paidy.com/support/home): Help articles — payment schedule, how to pay, late fees, account management
- [Payment plans](https://paidy.com/payments/): Paidy payment options
- [Installment plans](https://paidy.com/npay/): Split payments into 3, 6, or 12 installments
- [Paidy Plus for Apple](https://paidy.com/apple/): Buy directly from Apple in Japan with interest-free (0%) installments, no traditional credit card required

## Merchants & Developers

- [Merchant integration](https://paidy.com/merchant): How to add Paidy as a payment option for your online store
- [Supported merchants](https://paidy.com/shop): Online stores and merchants that accept Paidy
- [Paidy API reference](https://paidy.com/docs/api/en/): Technical API documentation for integrating Paidy payments and token management

## Company

- [News and campaigns](https://paidy.com/column/): Latest news, promotions, and cashback campaigns
- [About Paidy](https://corp.paidy.com/): Company information, mission, and corporate details

## Optional

- [Sitemap](https://paidy.com/sitemap.xml): Full list of crawlable pages
- [Agent skills index](https://paidy.com/.well-known/agent-skills/index.json): Machine-readable Agent Skills Discovery index (RFC v0.2.0)
- [API catalog](https://paidy.com/.well-known/api-catalog): Machine-readable list of public Paidy APIs (RFC 9727)