Optimized for mobile and instant-checkout, Paidy's payment service allows users to make online purchases without the need for a credit card or pre-registration. Using proprietary technology, Paidy assesses creditworthiness, underwrites transactions, and guarantees payment to merchants. This service is particularly valuable in Japan, where many consumers prefer not to use credit cards for online payments. By offering cardless e-commerce payments and facilitating peer-to-peer lending, Paidy helps eCommerce operators and brands increase conversion rates, average order values, and repeat purchases, ultimately boosting profitability.