650+ airlines to bookâŠUp to 7 plan typesâŠNo hidden booking fees
Book Paidy Flights
Choose interest-free instalments over 3, 6 or 12 months, or defer the fare into next month's consolidated bill. Approval isn't guaranteed and a credit check applies, but there's no booking fee.
Can You Use Paidy for Flights?Yes, Paidy Works on Any Airline on Laters.com
Yes. In Japan, you can use Paidy to book flights and buy plane tickets for any airline, any route, and any fare class through Laters.com. Paidy is Japan-only and settles in yen, but that limit sits on the currency, not on your choice of carrier or cabin. Select it at checkout, and it works the same way whether you are booking a short domestic hop or a long-haul in business, subject to the plan and market rules described below.
None of the big carriers build Paidy into their own booking pages. Japan Airlines and All Nippon Airways don't offer it directly, nor do international names like United, Delta and American in the US, or British Airways, Lufthansa and Finnair across the UK, Germany and the Nordics. Booking through Laters.com is what puts Paidy behind all of them: select Paidy at our checkout, pick a plan that fits the budget, and the e-ticket is issued once payment is confirmed.
Paidy's plan family runs from the standard monthly consolidated bill through to instalment options split over several months, available in Japan, the one market it serves. Some plans are interest-free when paid by direct debit or bank transfer, others carry a fee if you choose convenience-store payment or miss a due date, and every plan is subject to approval and open only to travellers aged 18 and over. That range covers everything from a short domestic hop to a long-haul booked in business, provided the fare and route come through Laters.com's checkout.
Dados conforme publicado por Paidy, verificados contra os termos de paĂs de Paidy.
Planos Paidy por paĂs
Paidy Flight Booking: Available Countries
Paidy's coverage on Laters.com sits squarely in East Asia, with Japan as the market it was built for. This is a single-country footprint rather than a sprawling one, and where our supplied rows show no wider international rollout, Paidy checkout on Laters.com is available in every market Paidy operates in. A fare is charged in Japanese yen at checkout rather than converted into another currency, since JPY is the only settlement currency in Paidy's own published terms. The grid below is built from Paidy's own published country terms, not from our estimate of them. 1 mercado oferece parcelamento sem juros. 1 mercado oferece um adiamento de 30 dias.
JapĂŁo
Paidy is a Japan-only service settling in JPY, marketed as ăăšæăăă€ă㣠(pay next month), fee-free 3/6/12ćăăšæă instalments, ăăæă immediate payment, and an Apple-only plan of up to 36 payments.
Planos conforme publicado por Paidy para JapĂŁo (JP), verificado .
Across the region, Japan is where Paidy's short-term instalment plan lives, published as 3ćăăšæă and its 6ćăăšæă counterpart rather than under any other regional label, since no other market carries this plan in the supplied terms. Instalments are taken at purchase and again at fixed monthly intervals afterward, with no interest charged when paid on time; approval still depends on identity verification in the Paidy app, and longer instalment counts remain 0% only when settled by direct debit or bank transfer, so this is credit rather than a fee-free perk. Basket minimums and any late charges differ by plan and are set out by Paidy at checkout, so check the current terms on paidy.com before booking.
Compare opçÔes de pagamento posterior
More Ways to Pay Later for Flights
Paidy and Zilch both sit at the Laters.com checkout, so this isn't a search for another site, it's a choice between two ways to pay right here. Paidy publishes several plan types, from a single consolidated bill due the following month to fee-free 3, 6 and 12-month instalments, all built around Japan and settled in yen. Zilch is built around a pay-in-4 product, and you can compare Zilch for flights on Laters.com before you decide. If Paidy isn't available where you are, these are the other providers that can spread the cost of your flight.
Paidy lets you book a fare now and settle it next month as one bill, or split it into several monthly instalments. Most plans run at no instalment fee when you pay on time, though a credit check applies and late payments can carry a fee. Figures for each plan sit on the card below.
Seu voo
$500
âMais popular
Paidy (çżæăăšæă)
Pagamentos
$500.00due by the 27th of the following month
A pagar hoje
Nadase aprovado
Total que vocĂȘ paga
$500.00sem juros
0% (no instalment fee) APR · 0% adiantado · taxa de atraso „250 (tax incl.) collection fee, plus late damages of 14.6% per year
Every Paidy purchase that month rolls into one bill due the following month, at no instalment fee when it is paid on time. Miss the date and a collection fee plus ongoing late damages apply, so keep the due date in view. All purchases in a month are consolidated into one bill; payment by convenience store carries a „390 (tax incl.) payment fee, while direct debit is free. Settled in JPY.
3ćăăšæă (Pay in 3)
Por parcela
$166.67monthly, 3 vezes
A pagar hoje
$166.67se aprovado
Total que vocĂȘ paga
$500.00sem juros
0% APR · 3 meses · taxa de atraso Late damages of 14.6% per year
Splitting the fare into three monthly instalments carries no instalment fee when you repay by direct debit or bank transfer and stay current. Fall behind and late damages accrue year over year, and a credit check plus identity verification in the app is required before you can use it. Requires identity verification in the Paidy app. Minimum purchase is „3,000 per order (JPY figure not converted to USD). 0% applies only to direct debit/bank transfer; merchant must support the option.
6ćăăšæă (Pay in 6)
Por parcela
$83.33monthly, 6 vezes
A pagar hoje
$83.33se aprovado
Total que vocĂȘ paga
$500.00sem juros
0% APR · 6 meses · taxa de atraso Late damages of 14.6% per year
Six monthly instalments run fee-free the same way, provided repayment is by direct debit or bank transfer and each payment lands on time. Falling behind triggers ongoing late damages, and app-based identity verification and a credit check are part of signing up. Requires app identity verification. Minimum purchase is „6,000 per order (JPY figure not converted to USD). 0% applies only to direct debit/bank transfer.
12ćăăšæă (Pay in 12)
Por parcela
$41.67monthly, 12 vezes
A pagar hoje
$41.67se aprovado
Total que vocĂȘ paga
$500.00sem juros
0% APR · 12 meses · taxa de atraso Late damages of 14.6% per year
Stretching the fare across twelve months costs nothing extra in instalment fees when direct debit or bank transfer keeps every payment on schedule. Miss one and late damages build over time, and this longer plan still depends on app verification, a credit check, and merchant support for that many instalments. Requires app identity verification. Minimum purchase is „12,000 per order (JPY figure not converted to USD). Availability of instalment counts varies by merchant.
0% APR · 36 meses · taxa de atraso „250 late fee
Up to 36 monthly instalments at 0% instalment fee Restricted to Apple products bought from Apple; not usable for flights. 0% only with direct debit/bank transfer; convenience-store payment fee up to „390 (tax incl.); no application, monthly or annual fees. Requires a Japanese mobile number and Japanese residence.
è¶ ăăšæă (extended deferred payment)
Pagamentos
$500.00billed on the 1st of the third following month, due on the 10th (12th for direct debit)
A pagar hoje
Nadase aprovado
Total que vocĂȘ paga
$500.00sem juros
0% adiantado · taxa de atraso „153 collection administration fee per instance, plus late damages up to 14.6% per year
This merchant-specific option defers a single bill to roughly three months out, so no credit is split, just delayed. Miss the due date and a collection administration fee plus late damages apply, and once chosen it cannot be swapped for another Paidy plan. Merchant-specific option; once taken it cannot be switched to Paidy single payment or instalments. Confirmed only from Paidy's own terms page.
Paying now through the app settles a Paidy purchase before the monthly bill even arrives, so there is no instalment to manage and no credit involved. It is a straightforward way to close out a purchase early rather than a way to spread the fare. Available via convenience-store payment only, from the Paidy app.
Paidy operates only in Japan, settling in yen, so the plan names above (ăăšæă, Pay in 3/6/12) are the ones you will actually see at checkout there, with no other-market variants to reconcile.
Nossa avaliação editorial, de 0 a 10, sobre o quĂŁo bem um provedor de compre agora, pague depois realmente funciona quando vocĂȘ estĂĄ reservando um voo.
This score is based on Paidy's published plan terms, fee schedules and eligibility rules as stated on paidy.com, weighed against Laters.com's own criteria for flight bookings. No brand pays for its placement or its score. Ăltima revisĂŁo em agosto de 2026.
Paidy runs on a single market: Japan, settled in JPY. Its çżæăăšæă bill and 3ć/6ć/12ćăăšæă instalments carry 0% by direct debit, but convenience-store payment adds a „390 fee and late balances draw 14.6% annual damages plus a „250 collection charge.
O que funciona bem
Monthly bill and 3/6/12 instalments all run at 0% via direct debit
Instalment plans start from a „3,000 per-order minimum
Pay in 12 stretches a fare across 12 monthly instalments
Late damages are capped at 14.6% per year, not a hidden rate
O que observar
Available only in Japan, settled in JPY
Convenience-store payment adds a „390 fee
3/6/12-pay plans require in-app identity verification first
Missed payments draw a „250 collection fee
4 medidas, avaliadas da mesma forma para cada provedor em nosso checkout.
Repayment Flexibility8/10
Paidy (çżæăăšæă) consolidates a month's spend into one bill, while 3ć/6ć/12ćăăšæă split into 3, 6 or 12 monthly instalments. That is genuine range, but every plan needs a Japanese merchant checkout and per-order minimums (from „3,000), so it clusters around one country's shopping flow rather than open travel spend.
Interest Rate8/10
The monthly bill and the 3/6/12-instalment plans all carry 0% with no instalment fee, but only when paid by direct debit or bank transfer. Convenience-store settlement adds a „390 payment fee, and missed payments draw a „250 collection fee plus 14.6% annual late damages.
Eligibility7/10
Paidy is a Japan-only service settling in JPY. That single-market reach is the entire footprint here, with no regions or additional countries listed, so travellers outside Japan have no path to use it at all.
Search and book your flight on Laters.com at the price shown that day. Laters.com is the travel agent selling your ticket, and you fly as the airline's own passenger from the moment your booking is confirmed.
2
Escolha Paidy
At checkout, select Paidy as your payment method and pick a plan. Paidy reviews your choice and gives its decision at checkout; approval is never guaranteed.
3
Pague ao longo do tempo
Repay through instalments, a deferred balance, or longer monthly repayment, whichever plan you chose at checkout. Some plans carry interest and a credit check applies, and repayment goes to Paidy directly, tracked in Paidy's own app or website, not through Laters.com.
4
Vamos voar
Your e-ticket is emailed once payment is confirmed. It's tied to your confirmed booking, not to your final payment. You fly on schedule while your Paidy plan keeps running.
Laters.com vs reserva direta
Why Book Your Paidy Flights on Laters.com?
Most airlines never offer Paidy at their own checkout, and the handful that do each set their own rules. On Laters.com, Paidy is built into one checkout that covers every airline we sell, so the plans you get do not depend on who operates the flight.
Outros provedores de pagamento posterior, stablecoins e 100+ outras formas de pagar no mesmo checkout
â
â
Sem taxa adicional e sem taxa de reserva ao pagar com Paidy
â
Varia
However you split the fare, the booking is with Laters.com, not the airline. That means one place to go if your flight changes, gets cancelled, or needs a refund, whichever airline operates it and whichever Paidy plan you were approved for.
Perguntas Frequentes: Usando Paidy para Reservar Voos
Tudo que vocĂȘ precisa saber sobre pagar por voos com Paidy no Laters.com.
01Can I book flights with Paidy on Laters.com?
Not yet. Paidy flight booking is coming soon to Laters.com, and once it launches you'll be able to split the fare using Paidy plans such as the monthly consolidated bill (ăăšæăăă€ăăŁ) or the 3-Pay and 6-Pay instalment options. Paidy is a Japan-only service settling in JPY, so plan availability will depend on booking from Japan. Check paidy.com and Laters.com for the launch date and full eligibility details.
02Which airlines will accept Paidy for flights on Laters.com?
All of them, once Paidy launches on Laters.com. Paidy sits at checkout as a payment method rather than something individual airlines switch on, so every airline sold through Laters.com will be payable this way. That includes fares split with the monthly bill or the 3-Pay and 6-Pay instalment plans. No airline needs to opt in separately, since the flexible payment sits on our side of the booking, not the carrier's.
03Will paying with Paidy cost more than paying by card?
No. Laters.com plans no payment surcharge and no booking fee for using Paidy, so the fare will match what a card would cost. That said, Paidy itself carries costs to watch: a late collection fee plus late damages of 14.6% per year build up on overdue balances, and convenience-store payment on the monthly bill carries a „390 payment fee where direct debit stays free. The 3-Pay and 6-Pay plans run at 0% only when settled by direct debit or bank transfer.
04When will my e-ticket be issued if I pay with Paidy?
Once Paidy is live on Laters.com, the e-ticket will be issued once your Paidy payment is approved at checkout, the same as with any other payment method. Because Paidy plans defer or split the actual cash outflow, approval of the purchase, not settlement of the full balance, is what triggers ticket issuance. Exact timing details will be confirmed when the feature launches. Check paidy.com for how approval works within the Paidy app.
05Does Paidy run a credit check for flight bookings?
It can. Paidy plans beyond the basic monthly bill, including the 3-Pay, 6-Pay and 12-Pay instalments, require identity verification through the Paidy app, and approval for any Paidy plan is never guaranteed. A missed or late payment carries real consequences, including a collection fee and late damages of 14.6% per year, so only commit to a plan you can repay. Confirm the current verification process at paidy.com before booking.
06What happens if I miss a Paidy payment for a flight?
Late fees apply. Missing the monthly consolidated bill adds a „250 collection fee plus late damages of 14.6% per year, and the instalment plans (3-Pay, 6-Pay, 12-Pay) carry the same 14.6% annual late damages if a payment is missed. Beyond the fee, missed payments can be reported and may affect your credit standing, so treat any Paidy plan as a real credit commitment. Review the repayment terms at paidy.com before choosing a plan.
07Which countries can use Paidy to book flights on Laters.com?
Japan, and only Japan. Paidy is a Japan-only service that settles purchases in JPY, covering the monthly consolidated bill, the 3-Pay/6-Pay/12-Pay instalments, the immediate ăăæă option, and an Apple-only plan not usable for flights. Once Paidy launches on Laters.com, travellers booking from outside Japan will not see Paidy as a payment option. Confirm current market coverage at paidy.com.
08Which Paidy plan suits an expensive or long-haul flight?
The 12-Pay instalment plan is the longest term confirmed for general purchases, spreading a fare over 12 monthly instalments at 0% when settled by direct debit or bank transfer. It requires identity verification in the Paidy app and a minimum purchase threshold, and late damages of 14.6% per year apply if a payment is missed. A 36-payment plan exists but is restricted to Apple products and cannot be used for flights, so 12-Pay is the practical ceiling for a costly fare.
09Does using Paidy affect my credit score?
Not when you pay on time. Paidy's instalment plans, including 3-Pay, 6-Pay and 12-Pay, involve identity verification and ongoing credit assessment, and consistently missed payments can be reported and affect your credit standing. Staying current on the monthly consolidated bill or instalment schedule is the way to avoid any negative mark. For specifics on how Paidy reports repayment behaviour, check paidy.com.
10What happens to my Paidy repayments if my flight is cancelled or refunded?
It depends on how the refund lands relative to your billing cycle, but a refunded purchase should reduce or remove the corresponding charge from your Paidy bill or instalment schedule. Because the monthly plan consolidates all purchases into one bill, a refund processed before the billing date should adjust the total owed. Once Paidy launches on Laters.com, always confirm refund timing with Laters.com support and check your Paidy app balance directly, since specific refund handling is confirmed only through paidy.com.
11Will Paidy work for international or multi-stop flight itineraries?
It should, once live, because Paidy plans apply to the fare charged at checkout rather than to the route flown. A multi-stop or international itinerary booked from Japan would be treated the same as any other purchase, split across the monthly bill or the 3-Pay/6-Pay/12-Pay instalments. What decides which plans appear is the country you book from, not the route or number of stops, and Paidy is currently confirmed only for bookings originating in Japan.
12Is a Paidy pay-in-30-style deferral really free?
Mostly, if you pay on time. The ăăšæăăă€ă㣠monthly plan carries 0% with no instalment fee, consolidating a month's purchases into one bill due by the 27th of the following month. The catch: paying via convenience store adds a „390 payment fee (direct debit stays free), and missing the due date triggers a „250 collection fee plus late damages of 14.6% per year. Read the full billing terms at paidy.com before relying on it.
13Do airline miles and status points still accrue when I pay with Paidy?
Loyalty accrual depends on the airline's own program rules for the fare purchased, not on the payment method used at checkout. Since Paidy sits as a payment method at checkout rather than altering the booking or fare class, miles and tier points should accrue as they normally would for that fare. Confirm accrual specifics with the airline's loyalty program directly, since Laters.com and Paidy do not control airline mileage rules.
14Can I use Paidy for a flight without already having a Paidy account?
You'll need to set one up, since Paidy plans beyond the basic monthly bill require identity verification through the Paidy app before they can be used. A new user starts that verification when first choosing a Paidy plan, and approval is not guaranteed. Once Paidy launches on Laters.com, first-time users should expect to complete this verification step as part of checkout. Details on signing up are on paidy.com.
15How do I track and manage my Paidy repayments for a flight booking?
Through the Paidy app, which consolidates purchases into the monthly bill or shows the schedule for instalment plans like 3-Pay, 6-Pay and 12-Pay. The app is also where identity verification happens and where you can choose ăăæă to settle a purchase ahead of the regular billing date. Missed payments tracked in the app carry a collection fee and late damages of 14.6% per year, so checking the app regularly matters. Full account management details are at paidy.com.
16Is it safe to pay for flights with Paidy on Laters.com?
Paidy operates as a payment method within its own app and billing system, with identity verification required for its instalment plans (3-Pay, 6-Pay, 12-Pay). Once live on Laters.com, your Paidy account credentials and repayment details would be managed through Paidy's own app rather than stored by Laters.com. As with any credit product, only take on a plan you can repay, since missed payments carry a collection fee plus late damages of 14.6% per year. Review Paidy's security practices at paidy.com.
Avaliado 4.8 no Google
What Travellers Say
Real reviews from real travellers who booked flights with Laters.com, sharing how their trips came together from search to takeoff.
Paidy is a Japanese buy now, pay later service that has quietly become one of the country's default ways to shop, and increasingly to travel, without pulling out a credit card. It started as a way to let cardless shoppers buy online on credit, consolidating purchases into a single monthly bill, and has since grown into a broader family of instalment plans that Japanese merchants, including flight sellers, now offer at checkout.
The company traces back to 2008, when Russell Cummer founded it in Tokyo under the name Exchange Corporation, initially as a peer-to-peer lender that struggled to find its footing before Cummer rebuilt it around consumer instalment payments and renamed it Paidy. It operates in Japan under the money-lending rules that apply to consumer credit providers there, and it is no longer an independent, separately listed business: PayPal acquired Paidy in 2021 for roughly $2.7 billion, and it now runs as a subsidiary within a publicly traded parent rather than trading on its own. That acquisition followed years of fundraising rounds that took the company from a struggling startup to a Japanese unicorn, a reminder that even a growth story like Paidy's included a false start along the way. Only borrow what you're confident you can repay on the agreed schedule, and check paidy.com for current terms before you rely on any plan.
Reservando com Paidy no Laters.com
Booking with Paidy on Laters.com follows the same pattern as any other flight search: pick your route and dates, select Paidy at checkout, and choose from the plans on offer, which in Japan include the consolidated monthly bill and the 3-Pay, 6-Pay and 12-Pay instalment options. Your e-ticket is issued once the payment is approved. Some of these plans carry no interest when paid by direct debit or bank transfer on schedule, but instalment plans require identity verification in the Paidy app, and missing a payment brings late damages, so it pays to treat this as credit rather than free money.
A few practical points worth knowing. Laters.com is the merchant on this booking and the one issuing your ticket; Paidy is the payment method and the credit provider, not the airline or the seller of the flight. Paying this way costs nothing extra here: there's no payment surcharge and no separate booking fee, so the fare is the same as if you'd paid by card. You don't need a credit card to book when you choose Paidy, since Paidy settles the fare with the airline on your behalf, and your repayments go to Paidy according to your chosen plan, not to Laters.com.
Os resumos regulatĂłrios sĂŁo gerais e mudam ao longo do tempo; eles nĂŁo sĂŁo aconselhamento jurĂdico, portanto confirme os requisitos atuais com o regulador relevante ou um consultor qualificado.
Ofertas de voos Paidy, promoçÔes de compre agora e pague depois, e vendas relùmpago, direto na sua caixa de entrada. No måximo um email por semana, e apenas quando hå algo que vale a pena reservar.
The monthly bill plan needs no upfront app step, but 3ć/6ć/12ćăăšæă all require identity verification inside the Paidy app before the instalment split is granted. That verification step, plus per-order minimums as low as „3,000, sits between choosing a plan and getting ticketed.
A perspectiva editorial
Mais forte em
Range: a monthly consolidated bill plus 3, 6 and 12-month instalments, each at 0% by direct debit, gives real choice in how a fare gets paid off.
Retido por
Held back by a single market. Paidy settles only in JPY within Japan, and the 3/6/12-pay plans demand in-app identity verification before a traveller sees an approval.
Qual plano
çżæăăšæă for a fare to clear next month. 12ćăăšæă for a costlier booking spread further out.
This table prices one fare across Paidy's plans for the Japan market, where Paidy operates. The fare itself does not change: Laters.com adds no booking fee or surcharge for choosing to pay this way.
No instalment fee on 3/6/12-pay or the monthly bill when settled by direct debit or bank transfer.
Convenience-store payment
Adds a payment fee of up to „390 (tax incl.) instead of using direct debit.
Late payment
A „250 collection fee applies, plus late damages of up to 14.6% per year on the outstanding balance.
Extended deferred billing
The è¶ ăăšæă option adds a „153 collection administration fee per instance if payment is missed.
Currency
All Paidy plans settle in JPY, so bookings outside Japan are not supported.
This is a worked illustration, not a quote. What a traveller is actually offered depends on the market, the merchant, and approval, and every provider on Laters.com is costed against the same rows so you can compare fairly.
Onde Paidy lidera
Monthly bill and 3/6/12 instalments all run at 0% via direct debit
Instalment plans start from a „3,000 per-order minimum
Pay in 12 stretches a fare across 12 monthly instalments
Late damages are capped at 14.6% per year, not a hidden rate
Antes de vocĂȘ solicitar
Paidy operates in Japan only, with all plans settled in JPY, so it is not an option for bookings outside that market.
The 3ć/6ć/12ćăăšæă instalment plans require identity verification in the Paidy app before approval, and each carries a per-order minimum starting at „3,000, so very low-cost fares may not qualify.
The ăăæă (Pay Now) option settles a purchase straight away rather than deferring it, so it is not a credit product and no repayment schedule or credit check applies to it.
Age, residency and other eligibility rules can shift, so confirm current requirements on Paidy's own site before booking.
Mais de um milhĂŁo de viajantes por ano encontram voos no Laters.com
