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paypay flight payment is not yet available on Laters.com. Split-pay options are coming soon.

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Reviewed by the Laters.com payments teamUpdated 10 September 2026

paypay flights

Can You Use paypay for Flights?paypay Isn't Yet Available on Laters.com

Not yet. paypay is a Japan-only wallet, and Laters.com does not currently support it at checkout, so we can't offer it for booking flights or buying plane tickets across airlines, routes or fare classes. We'd rather tell you plainly than let you reach payment and get stuck. In the meantime, another provider is accepted at our checkout, and it works the same way: pick a plan, get approved, receive your e-ticket.

Plenty of travellers land here after searching for paypay because it is familiar from everyday shopping in Japan. But airlines rarely take it directly at their own checkout, and neither do we right now, so there is nothing to select at payment for paypay today. That gap is exactly why we're flagging it upfront rather than after you've picked a fare.

Until paypay is added, splitit is accepted at our checkout, subject to approval and an 18+ condition, with some plans carrying interest and others interest-free depending on the term you choose. It can be used from a long-haul in business down to a short domestic hop, with availability varying by market. Check back on this page for updates on paypay, or switch to splitit now to keep your booking moving.

Search flights and compare fares
Choose paypay at checkout and pick a plan
Fly now, pay the rest to paypay on schedule

Payment plans explained

Split Your Flight, Pay Over Time with paypay

With paypay, you can pay a fare in full on next month's bill, split it across a few instalments, or spread it over a longer schedule, including a revolving balance option. Several of these are credit plans that carry interest and require a credit check, so approval is not guaranteed and terms depend on paypay's review.

Your paypay fareUSD

$500

PayPayクレジット (1回払い)

Payments: $500.00due on the 27th of the next month
Due today: Not specifiedif approved
Total you pay: $500.00no interest

0% APR

PayPayクレジット (1回払い) settles your fare in full on next month's bill, and paypay states this method carries no fee. It still involves paypay extending you credit for a month, so a check applies before you're approved. PayPay's deferred "pay later" method (formerly PayPayあと払い), settled from the bank account registered to the PayPay Card; the provider states 1回払い carries no fee.

2回払い

Per instalment: $250.00monthly (27th), 2 times
Due today: Not specifiedif approved
Total you pay: $500.00no interest

0% APR · 2 months

2回払い splits the fare into two monthly charges at no extra cost when paid on schedule. It's only offered at physical stores rather than online checkout, and a credit check still applies since paypay is fronting the balance. PayPay Card states 2回払い is selectable only at physical stores and is fee-free; not offered in online checkouts.

分割払い 3回

Per month: $171.69for 3 months at 18.0%
Due today: Not specifiedin this example
Total you pay: $515.07illustrative rate

18.0% APR · 3 months

分割払い 3回 spreads the fare over three monthly payments, and this plan carries interest from the first instalment rather than only on late payment. A credit check applies, and converting an existing charge into this plan requires the statement line to clear a minimum amount. Operator fee table: 実質年率 18.0%, ¥3.01 fee per ¥100 of purchase. あとから分割 conversion requires a statement line of ¥1,000 or more.

分割払い 5回

Per month: $104.54for 5 months at 18.0%
Due today: Not specifiedif approved
Total you pay: $522.72illustrative rate

18.0% APR · 5 months

分割払い 5回 stretches repayment across five months, with interest built into each instalment rather than triggered by a missed one. Approval depends on paypay's credit check, and the rate applied to your fare is set at that point. Operator fee table: ¥4.54 fee per ¥100 of purchase.

分割払い 6回

Per month: $87.76for 6 months at 18.0%
Due today: Not specifiedif approved
Total you pay: $526.58illustrative rate

18.0% APR · 6 months

分割払い 6回 breaks the fare into six monthly payments, again with interest included throughout the term rather than only as a penalty. A credit check applies, so paypay confirms your terms before the plan is confirmed. Operator fee table: ¥5.32 fee per ¥100; worked example on the PayPay Card site uses ¥50,000 over 6 payments.

分割払い 10回

Per month: $54.22for 10 months at 18.0%
Due today: Not specifiedif approved
Total you pay: $542.17illustrative rate

18.0% APR · 10 months

分割払い 10回 extends the schedule to ten months, with interest charged across the full term. As with paypay's other multi-month plans, a credit check applies and the rate you're offered follows that review. Operator fee table: ¥8.43 fee per ¥100 of purchase.

分割払い 12回

Per month: $45.84for 12 months at 18.0%
Due today: Not specifiedif approved
Total you pay: $550.08illustrative rate

18.0% APR · 12 months

分割払い 12回 spreads a fare over a full year of monthly payments, carrying interest the whole way rather than only if you fall behind. A credit check applies, and paypay sets your actual terms once it's complete. Operator fee table: ¥10.02 fee per ¥100 of purchase.

分割払い 18回

Per month: $31.90for 18 months at 18.0%
Due today: Not specifiedif approved
Total you pay: $574.25illustrative rate

18.0% APR · 18 months

分割払い 18回 pushes the repayment window out to eighteen months, with interest running the length of the term. This longer commitment still depends on a credit check, and missing a payment along the way adds further cost. Operator fee table: ¥14.85 fee per ¥100 of purchase.

分割払い 24回

Per month: $24.96for 24 months at 18.0%
Due today: Not specifiedif approved
Total you pay: $599.09illustrative rate

18.0% APR · 24 months

分割払い 24回 spreads a fare across two years of instalments, with interest applied throughout rather than reserved for missed payments. A credit check applies, and paypay confirms the terms it will actually offer you. Operator fee table: ¥19.82 fee per ¥100 of purchase.

分割払い 36回

Per month: $18.08for 36 months at 18.0%
Due today: Not specifiedif approved
Total you pay: $650.74illustrative rate

18.0% APR · 36 months

分割払い 36回 is paypay's longest listed schedule here, carrying interest across the full three years. A credit check applies, and paypay also offers other payment counts at the same rate that aren't shown as separate plans on this page. Operator fee table: ¥30.15 fee per ¥100 of purchase. PayPay Card also lists 15, 20, 30 and 48 payment counts at the same 18.0% rate, which have no matching plan type here.

リボ払い (revolving)

Payments: Set at approvalmonthly (27th)
Due today: Not specifiedin this example
Total you pay: Set at approvalillustrative rate

18.0% APR

リボ払い (revolving) charges interest monthly on whatever balance you're carrying, rather than on a fixed instalment schedule tied to your fare. A credit check applies before paypay sets this up, and the rate shown reflects paypay's illustrative figure rather than a rate guaranteed to you. PayPay Card publishes 実質年率 18.0% charged on the month-end revolving balance; billed on the 27th of the following month. Selectable at PayPayクレジット checkout on supported online merchants, or afterwards via スキップリボ.

All plans here run through PayPay Card Corporation and are billed to the bank account registered to your PayPay Card. Your ticket is issued in full at booking regardless of which plan you pick; only your repayment schedule to paypay changes. Availability is Japan-only.

Illustrative only. The figures above are computed from the fare you set: plain division for the interest-free plans, and the plan's own illustrative rate over its stated term for monthly financing. They are not an offer, a quote, or a prediction of what you will be given. Laters.com is not the lender and takes no part in the decision: which plans appear, the instalment amounts, any interest and fees, and whether you are eligible at all are determined by the provider alone, and depend on a credit or eligibility assessment, your country and your basket. The only way to see your real plans is to choose this payment method at checkout, at which point the provider, not Laters.com, approves or declines the purchase. All plans, rates, fees and terms are estimates only and subject to approval and to change.

paypay plans by country

paypay Flight Booking: Available Countries

PayPay's own footprint is a single market, and that is exactly what shows up here: coverage is limited to Japan, with no wider regional spread to speak of. Because the one row supplied matches PayPay's own published reach, paypay checkout on Laters.com is available in every market paypay operates in, not a partial slice of a larger business. Settlement runs in the local currency, JPY, so a fare priced there is charged as quoted rather than converted at checkout. This grid is built from paypay's own published country terms, not from our estimate of them. That said, paypay is not yet available to book through Laters.com, so travellers should check out one of our other providers for now while we work on bringing it online. This guide lists instalment plans in 1 market. This guide lists financing in 1 market.

The short-term instalment plan most people reach for is billed as PayPayクレジット (1回払い) in Japan, the only market it is published in here. It repays as a single deferred charge taken on a fixed date after purchase, at no cost when paid on time, though approval is never guaranteed and the longer monthly plans (from three payments upward) carry interest instead. Fees, limits and rates differ by plan and are shown by paypay at checkout, so check the current terms on paypay's site before you commit to a schedule.

Laters.com vs booking direct

Why Book Your paypay Flights on Laters.com?

Most airlines do not offer paypay at their own checkout, and the few that do each set their own rules. On Laters.com, paypay is built into one checkout that covers every airline we sell, so the plans you get do not depend on who operates the flight.

Whichever airline operates your flight and whichever paypay plan gets approved, subject to a credit check and any applicable fees, Laters.com is who you booked with. That means one place to go if your flight changes, gets cancelled, or needs a refund, rather than chasing the airline and the credit provider separately.

Laters.com compared with booking direct with the airline
What you get	Laters.com	Book direct with the airline
paypay built into checkout on all 650+ airlines	✓	Very few
The same paypay plans, whichever airline you fly	✓	✕
Compare every airline in one search, then pay with paypay	✓	✕
Other pay-later providers, stablecoins and 100+ more ways to pay at the same checkout	✓	✕
No surcharge and no booking fee for paying with paypay	✓	Varies

Independently scored, no paid placement

Laters.com Payment Score: paypay

Cyan cartoon hand making a peace sign with black outline sticker style illustration

What is the Laters.com Payment Score?

Our editorial rating, out of 10, for how well a buy now, pay later provider actually works when you are booking a flight.

1Repayment Flexibility
2Interest Rate
3Eligibility
4Approval Process

Every provider at our checkout is scored on the same 4 measures, so you can compare them like for like before you choose how to pay. See all fly now pay later provider scores →

This score is built from paypay's published fee tables, plan terms and country availability as supplied by the operator, not from user reviews or app-store ratings. No brand pays Laters.com for its placement or its score. Last reviewed September 2026.

Laters.com is the merchant for every booking on this page: we sell the ticket and earn from the fare, which is the same whichever payment method you choose. No payment provider pays us for placement, ranking or its Payment Score, and this page contains no affiliate links.

paypay runs entirely on PayPay Card credit, settled on the 27th of the following month. 1回払い carries no fee, but every 分割払い split from 3 to 36 payments, plus リボ払い revolving credit, is charged the same 18.0% 実質年率. Availability sits in Japan alone, in JPY.

What works well

Eleven plan shapes, from 1回払い to 36-month 分割払い
1回払い and 2回払い carry no fee at all
Full plan range, including リボ払い revolving credit, available in Japan

What to watch

Every instalment plan past 1回払い charges 18.0%
2回払い only works in physical stores
Only one market listed: Japan, in JPY
あとから分割 needs a ¥1,000+ statement line

4 measures, scored the same way for every provider at our checkout.

Repayment Flexibility8/10

paypay spans eleven plan shapes from 1回払い (single deferred payment) to リボ払い revolving credit, plus 分割払い running 3 to 36 instalments. But 2回払い is store-only, and every instalment plan beyond 1回払い carries the same 18.0% rate, clustering real choice around one cost shape.

Interest Rate7/10

1回払い and the store-only 2回払い carry no fee, but every other route, 分割払い 3 through 36 and リボ払い revolving, is charged the same 18.0% 実質年率. Travellers who need more than one payment slip straight onto that rate with no lower-cost step in between.

Eligibility7/10

Coverage tops out at one market: PayPay's countryAvailability lists Japan only, settling in JPY under PayPay Card Corporation. Every plan shape is available there, so within Japan the range is full, but travellers outside Japan have no route onto any plan.

Approval Process7/10

1回払い runs through the PayPay Card account already registered to the bank, settled on the 27th of the following month, which reads close to checkout. Anything past that, 分割払い conversions or リボ払い, needs a statement line of at least ¥1,000 to convert, adding a step before the cheaper shape is confirmed.

The editorial take

Strongest on: Strongest on range: eleven plan shapes from a single deferred payment to 36-month instalments and revolving credit, all under one card.
Held back by: Held back by the flat 18.0% rate on every plan past 1回払い, and by a single-market footprint that leaves paypay unavailable outside Japan.
Which plan: 1回払い to clear next month. 分割払い 12回 for a mid-range fare. リボ払い for an open-ended balance.

This table prices one fare across paypay's plans so the instalment shapes sit side by side. The fare itself does not change for paying this way. paypay's plans are issued in Japan, so the example is priced for the Japanese market.

Plan	Due today	Then	You pay in all	Cost of credit
PayPayクレジット (1回払い)0% APR	Not specified	Not specified	$1,000.00	Nothing
2回払い2 months at 0% APR	Not specified	Not specified	$1,000.00	Nothing
分割払い 3回3 months at 18.0% APR	Not specified	Not specified	$1,030.15	$30.15
分割払い 5回5 months at 18.0% APR	Not specified	Not specified	$1,045.45	$45.45
分割払い 6回6 months at 18.0% APR	Not specified	Not specified	$1,053.15	$53.15
分割払い 10回10 months at 18.0% APR	Not specified	Not specified	$1,084.34	$84.34
分割払い 12回12 months at 18.0% APR	Not specified	Not specified	$1,100.16	$100.16
分割払い 18回18 months at 18.0% APR	Not specified	Not specified	$1,148.50	$148.50
分割払い 24回24 months at 18.0% APR	Not specified	Not specified	$1,198.18	$198.18
分割払い 36回36 months at 18.0% APR	Not specified	Not specified	$1,301.49	$301.49
リボ払い (revolving)18.0% APR	Not specified	Not specified	Set at approval	Set at approval

What else can cost you

1回払い settlement: Settled in full on the 27th of the following month via the registered PayPay Card bank account, with no fee charged on this route.
Instalment and revolving fees: 分割払い (3 to 36 payments) and リボ払い are both charged at 18.0% 実質年率, billed monthly on the 27th.
Converting to あとから分割: Switching a purchase to instalments after the fact needs a statement line of at least ¥1,000, so very small charges may not convert.
Currency: paypay settles in JPY only; there is no supplied detail on conversion charges for other currencies.
Refunded flights: The facts supplied don't specify how a refunded fare is treated against an open 分割払い or リボ払い balance; check with paypay directly before relying on this.

This worked example illustrates how the fee structure behaves rather than quoting a live offer. What a traveller is actually offered depends on approval and on the market they book from. Every provider Laters.com scores is run through the same cost rows so the numbers can be compared fairly.

Where paypay leads

Eleven plan shapes, from 1回払い to 36-month 分割払い
1回払い and 2回払い carry no fee at all
Full plan range, including リボ払い revolving credit, available in Japan

Before you apply

1回払い is a deferred payment settled via the registered PayPay Card bank account, so no interest applies there, though it is still a credit product and repayment is owed on schedule.
分割払い and リボ払い are credit plans carrying an 18.0% 実質年率, and a credit check through PayPay Card applies to these.
Converting a purchase to あとから分割 needs a statement line of at least ¥1,000, so very low-cost fares may not qualify for that route.
Age, residency and other eligibility rules are set by PayPay Card Corporation; confirm current terms on paypay's own site before booking.

40+ScoredFly now pay later provider scorespaypay is scored on the same measures as every other buy now, pay later provider we rate for booking flights.See all provider scores

Compare pay-later options

More Ways to Pay Later for Flights

paypay is not yet available at the Laters.com checkout, so if you were hoping to book with it here, that option is not live yet. paypay's own lineup, when it does arrive, is built around Japan's PayPayクレジット: a fee-free 1回払い plan sitting alongside instalment options that carry an 18.0% rate, all settled in JPY through PayPay Card. For now, splitit is one of the providers you can actually check out with on Laters.com today, so compare splitit for flights on Laters.com if you want a payment plan you can use right away. If paypay isn't available where you are, these are the other providers that can spread the cost of your flight.

Other providers

splitit

Pay in instalments

Splitit typically works against the credit line already on your card, splitting the fare into instalments without a separate credit application, though your card issuer's own interest and terms still apply. It's worth checking Laters.com checkout for the exact schedule offered on your fare.

Coverage varies by market; check availability at checkout.

View provider guide

Klarna

Pay in 4 instalments

Klarna splits a fare into scheduled instalments, and while some plans run with no added interest, others carry an APR and a credit check can apply before you're approved. Missing a payment can bring fees, so it pays to check the schedule before you book.

Coverage varies by market; check availability at checkout.

View provider guide

Afterpay

Pay in 4 instalments

Afterpay divides the cost of a flight into four scheduled payments, and approval isn't guaranteed since the provider runs its own checks at checkout. Late or missed instalments can trigger fees, so this suits travellers confident they can keep to the schedule.

Strongest coverage in the United States, Canada, Australia and the United Kingdom.

View provider guide

Zip

Pay in 4 instalments

Zip lets you take the ticket now and pay it off over a set number of instalments, with approval based on a credit check and some plans carrying interest or fees. Zip trades under its own name in most markets it serves, so check the checkout screen to confirm it's on offer.

Coverage varies by market; check availability at checkout.

View provider guide

Tabby

Pay in instalments

Tabby spreads a fare over several instalments and runs a credit check before approving you, with fees possible if a payment is missed. It's built with Middle Eastern travellers in mind, so it's worth confirming it appears at your checkout before you plan around it.

Strongest coverage across the Middle East.

View provider guide

Affirm

Longer monthly financing

Affirm is built for longer repayment terms rather than a quick pay-in-4 split, spreading a fare over monthly instalments that can carry an APR depending on the plan you're approved for. A credit check applies, and approval is never guaranteed, so review the terms Affirm shows you before booking.

Strongest coverage in the United States and Canada.

View provider guide

40+ProvidersEvery fly now pay later providerExplore the provider guides and compare their payment products. The options available for your booking, approval and terms are shown at checkout.Compare fly now pay later providers

Fees, refunds, credit checks and eligibility

FAQs: Using paypay to Book Flights

Everything you need to know about paying for flights with paypay on Laters.com.

01Can I book flights with paypay on Laters.com?

Not yet. paypay is not currently available as a payment method on Laters.com, so no plan (from PayPayクレジット 1回払い through to リボ払い revolving) can be selected at our checkout right now. We list this provider because it is a recognised Japan-only wallet, but travellers booking today should choose one of the other providers Laters.com already supports. Check the Laters.com checkout page for the current list of active BNPL options before you book.

02Which airlines accept paypay for flights on Laters.com?

None, because paypay is not yet switched on at Laters.com checkout at all. When a payment method is active on Laters.com, it applies across every airline we sell rather than being turned on carrier by carrier, so once paypay launches it would work the same way. Until then, no airline booked through Laters.com can be paid for using any paypay plan. Check back on Laters.com for an update on availability.

03Does paying with paypay cost extra on Laters.com?

No added Laters.com surcharge would apply once paypay goes live, but the question is moot today since the method is not yet available on our checkout. When it does launch, expect the same pattern as other providers: no booking fee from Laters.com, though paypay's own plans carry costs, such as the 18.0% rate quoted on 分割払い instalment plans and revolving リボ払い balances, and a late fee if a payment is missed. For now, choose an active provider on Laters.com to pay for your fare.

04When is the e-ticket issued if I pay with paypay?

There is no e-ticket timing to report yet, because paypay cannot currently be selected as a payment method on Laters.com. Once a BNPL method is active on our platform, the e-ticket is typically issued once payment approval comes through from the provider. Until paypay is switched on, travellers should book through one of the other providers on Laters.com to receive a ticket now. Check Laters.com for updates on when paypay becomes bookable.

05Is there a credit check with paypay for flights?

Not applicable yet on Laters.com, since paypay is not an active checkout option here. In general, paypay's instalment and revolving plans, such as 分割払い 3回 through 36回 and リボ払い, are credit products issued by PayPay Card Corporation and carry an 18.0% rate, which typically means some form of credit assessment by the card issuer. A credit check can affect a credit file, approval is never guaranteed, and travellers should confirm current screening details directly with PayPay Card before assuming eligibility. Laters.com will publish specifics once the method is available.

06What happens if I miss a paypay payment?

This cannot happen through Laters.com today, because paypay is not yet available at our checkout for any booking. Where a paypay instalment plan is used elsewhere, missing a payment on an interest-bearing plan (the 分割払い and リボ払い options all carry an 18.0% rate) risks a late fee, and missed payments may be reported to credit reference agencies and can affect your credit standing. Laters.com will detail the exact missed-payment terms once paypay is added to checkout. Until then, this is not a live risk on our platform.

07Which countries can use paypay for flights on Laters.com?

None right now, since paypay is not yet live on Laters.com in any market. paypay itself is a Japan-only wallet settling in JPY, with credit plans branded PayPayクレジット and issued by PayPay Card Corporation, so even after launch it would likely be limited to bookings made from Japan. Travellers outside Japan should not expect this method to appear regardless of timing. Check Laters.com for confirmation once the provider is switched on.

08Which paypay plan suits an expensive or long-haul fare?

There is no plan to pick yet, because paypay cannot currently be used on Laters.com for any fare, long-haul or otherwise. Among paypay's own options, the longer terms such as 分割払い 24回 or 36回 spread a larger balance furthest, though every instalment count from 3 payments upward carries the same 18.0% rate rather than getting cheaper over time. A credit check applies and approval is not guaranteed on these longer plans. Once paypay launches on Laters.com, compare term length against total cost before choosing.

09Does using paypay affect my credit score?

It could, once available, but this is not yet a live concern on Laters.com since paypay cannot be used here today. paypay's instalment plans (分割払い 3 through 36 payments) and リボ払い revolving credit are issued by PayPay Card Corporation at an 18.0% rate, and credit products like these are typically subject to checks that can appear on a credit file, with missed payments capable of being reported and affecting standing. Travellers should confirm current credit-reporting practices with PayPay Card directly. Laters.com will update this guidance once the method is active.

10What happens to my paypay repayments if my flight is cancelled?

There is nothing to manage yet on Laters.com, because paypay is not an active payment method here, so no booking can currently be paid for or refunded through it on our platform. Refund handling for any BNPL provider generally depends on how far along the instalment schedule a booking is when a cancellation is processed. Once paypay is added to Laters.com checkout, refund and repayment adjustment terms will be published alongside it. Until then, choose one of the active providers on Laters.com if you need refund flexibility now.

11Does paypay work on international or multi-stop flight bookings?

Not through Laters.com at present, since paypay is not yet available at our checkout for any itinerary type. When a BNPL provider is active, its plan generally applies to the total fare rather than to the specific route, and it is the country booked from, not the route flown, that determines which plans appear. Given paypay settles only in JPY through a Japan-only wallet, its future availability would likely follow the same country-of-booking logic. Check Laters.com once the method is live for itinerary-specific detail.

12Is a paypay pay-in-30-style deferral really free?

This isn't bookable through Laters.com yet, so there is no live deferral to weigh up here. Among paypay's own plans, PayPayクレジット 1回払い is the closest deferred, single-payment option, charged in full on the 27th of the following month, and the provider states this method carries no fee. The catch with any deferred-pay option is that the balance is still owed in full on that date, and missing it can trigger consequences under paypay's terms. Confirm current fee-free conditions directly with PayPay Card, since Laters.com does not yet offer this method.

13Do airline miles and status benefits still accrue when paying with paypay?

This isn't something Laters.com travellers need to consider yet, since paypay cannot be selected as a payment method on our platform. Mileage and tier-point accrual on a booking is generally set by the airline's fare rules rather than by the payment method used at checkout, a pattern that would likely hold once paypay does launch. Travellers should always check the specific airline's mileage terms for the fare booked. Laters.com will confirm any provider-specific detail once paypay is added to checkout.

14Can I use paypay for a premium cabin or business class fare?

Not on Laters.com currently, because paypay is not active at our checkout for any cabin class. Once available, higher-value fares would likely be best matched to paypay's longer instalment plans, such as 分割払い 18回, 24回 or 36回, all carrying the same 18.0% rate rather than a cabin-specific rate. A credit check and approval process would still apply regardless of cabin booked. For now, business and premium fares on Laters.com should be paid for using one of our currently active providers.

15Can I change or cancel a flight booked with paypay?

There's nothing to change yet through Laters.com, since paypay cannot currently be used to book any flight on our platform. Change and cancellation terms for BNPL-funded bookings generally follow the airline's fare rules first, with the payment provider then adjusting the instalment schedule around whatever refund or credit results. Once paypay is added to Laters.com, its own cancellation-handling terms will be published alongside the plans. Until then, book through an active Laters.com provider if flexibility to change plans matters to you.

About paypay and Laters.com

About Buy Now Pay Later Flights with paypay

Who is paypay?

paypay is Japan's dominant mobile wallet, built for tap-to-pay purchases and, through PayPayクレジット, for spreading the cost of a purchase into monthly instalments. It has grown well beyond a payments app into a full financial ecosystem covering shopping, bills and now travel, and flights booked with it can be settled on the 27th of the following month, split into instalments, or run through the revolving リボ払い option, depending on which plan is selected at checkout.

The wallet was launched in 2018 in Tokyo by PayPay Corporation, a joint venture backed by SoftBank and Yahoo Japan, and its credit and card products, including the あと払い function now folded into PayPayクレジット, are issued by PayPay Card Corporation, a licensed Japanese card company. paypay is privately held rather than listed on any exchange. Its rise has not been free of turbulence: the app has weathered periods of regulatory scrutiny common to fast-growing Japanese fintechs and adjusted its fee structure and terms more than once as it scaled, a reminder that even a dominant wallet operates under ongoing supervision rather than a settled, static set of rules. Always check paypay's own site for its current terms before relying on any plan. Only borrow what you can comfortably repay on the agreed schedule, whichever plan you choose.

Booking with paypay on Laters.com

Search your route on Laters.com, choose paypay at checkout, and pick a plan such as PayPayクレジット (1回払い), one of the 分割払い instalment counts running from 3 up to 36 payments, or the リボ払い revolving option. The e-ticket is issued once payment is approved. Some of these plans, including 1回払い and the 2回払い option, carry no interest when paid on the stated schedule, while the multi-instalment 分割払い plans and リボ払い are interest-bearing and subject to a credit check and approval, so read the terms of the specific plan shown to you before confirming.

Laters.com is the merchant of record for this booking and issues the ticket; paypay is the payment method and credit provider, not the seller of the flight. The fare shown at checkout carries no payment surcharge and no separate booking fee for paying this way, so the price is the same as paying by card. You do not need a credit card to book when paying with paypay: paypay settles the fare with the airline on your behalf, and your repayments go to paypay according to the plan you picked, not to Laters.com.

Laters.com earns from the fare as the merchant, the same whichever payment method you choose; no payment provider pays for placement on this page.

How pay-later flight bookings work

A flight booking and a repayment plan run on different schedules. Our guide explains the practical questions to consider before splitting a fare.

What changes when you pay for a flight in instalments
How to compare the total cost and repayment dates
Why a flight change or refund does not automatically end the payment plan
How a worked example divides a fare into payments

Read the guide

paypay is a credit product

Borrowing responsibly means only committing to instalments you can genuinely afford. Missed payments can result in late fees, may be reported to credit reference agencies, and may affect your credit standing and your ability to borrow in future. Laters.com is the new name for Fly Fairly; nothing about your booking or support changes. Last reviewed by the Laters.com editorial team in September 2026.

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