Paidy

**Paidy App User Guide** Welcome to Paidy, your flexible and secure Buy Now, Pay Later solution. This guide will help you navigate the Paidy app and make the most of its features for a seamless shopping experience. ### 1. **Getting Started** **Download and Install the App:** - Visit the App Store or Google Play Store and search for "Paidy." - Download and install the app on your smartphone. **Create an Account:** - Open the Paidy app and follow the prompts to create an account. - Enter your phone number and complete the verification process using the code sent to your phone. - Set up your account with your basic personal information. ### 2. **Shopping with Paidy** **Make a Purchase:** - Browse your favorite online stores, including Amazon, SHEIN, and DMM, and shop as you normally would. - At checkout, select Paidy as your payment method. - Complete your purchase without needing a credit card or pre-registration. **Explore the Shop and Inspiration Tabs:** - Use the “Shop” and “Inspiration” tabs within the app to discover new products and stores. - Complete your purchases directly through the app for a smooth and integrated shopping experience. ### 3. **Managing Your Payments** **Monthly Consolidated Bill:** - Paidy consolidates all your purchases into a single monthly bill, which you’ll receive at the beginning of the next month. - Review your bill in the app to see all your purchases and the total amount due. **Choose Your Payment Method:** - Tap on “Payment Options” to choose how you want to pay your bill: - **Convenience Store Payment**: Pay at any Lawson, 7-Eleven, FamilyMart, or other major convenience stores by simply showing the payment screen in the app. - **Automatic Debit Transfer**: Set up automatic payments from your bank account to ensure your bill is paid on time. - **Bank Transfer**: Transfer funds from your bank account to pay your bill manually. **Use the Pay Now Function:** - If you want to pay off your balance early, use the “Pay Now” feature in the app. This allows you to settle your bill at any time before the due date. ### 4. **Using Installment Plans** **Split Payments with 3, 6, or 12 Pay:** - When making larger purchases, select the option to split your payment into 3, 6, or 12 monthly installments at 0% interest (when using auto-debit or bank transfer). - The number of installments available may vary depending on the merchant. **Paidy Plus for Apple:** - Apply for “Paidy Plus for Apple” within the app to access a dedicated line of credit for Apple Retail products. - Enjoy 0% interest on installment plans of up to 36 months for your Apple purchases. ### 5. **Managing Your Account** **Check Your Spend Limit:** - View your available spending limit in the “Account” section of the app. - Set a budget to help manage your spending and avoid overspending. **Request a Virtual or Physical Card:** - Get a virtual card for online shopping or request a physical Visa card for in-store purchases. - Both cards can be managed directly from the app, allowing you to track your spending and make payments easily. ### 6. **Security Features** **Enable Two-Factor Authentication:** - Go to “Settings” and activate two-factor authentication to enhance the security of your account. - This will require you to enter a verification code sent to your phone each time you log in. **Monitor Transactions:** - Paidy monitors all transactions 24/7 to detect and prevent fraudulent activity. - You can review your transaction history in the app at any time to ensure all charges are correct. ### 7. **Support and Assistance** **Access Customer Support:** - If you need help, visit the “Help” section in the app for FAQs and troubleshooting tips. - For further assistance, contact Paidy customer support directly through the app. With this guide, you’re ready to use the Paidy app to shop, manage payments, and enjoy a flexible and secure buying experience. Enjoy the convenience of Buy Now, Pay Later with Paidy!