Paidy enables Japanese consumers to shop online by entering their mobile phone numbers and e-mail addresses instead of credit card details.
At checkout customers select Paidy as their payment method. A four-digit code is sent to them either by text or voice message which authenticates their purchase.
Paidy then pays the merchant in full, and the customer pays back Paidy either at a convenience store or online. Instalment and subscriptions plans are available.
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