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新加坡旅行社执照TA04059Choose 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.
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.
数据来自 Paidy 发布，已根据 Paidy 的国家条款验证 。
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 个市场提供免息分期。 1 个市场提供 30 天延期付款。
Paidy is a Japan-only service settling in JPY, marketed as あと払いペイディ (pay next month), fee-free 3/6/12回あと払い instalments, すぐ払い immediate payment, and an Apple-only plan of up to 36 payments.
Paidy 为 日本（JP）发布的计划，已验证 。
Across the region, Japan is where Paidy's short-term instalment plan lives, published as 3回あと払い and its 6回あと払い 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.
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.
Zilch splits a purchase into four payments, though approval and a credit check typically apply before checkout completes. Missing a scheduled payment can bring fees, so it pays to check the terms before booking.
Coverage varies by market; check Zilch's own site for your country
Klarna offers both short pay-in-4 style splits and longer monthly financing on some purchases, with approval and a credit check involved and interest possible on the longer plans. A missed instalment can trigger a late fee.
Coverage varies by market; check Klarna's own site for your country
Afterpay splits the fare into four instalments, subject to approval at checkout, and late payments can carry a fee. It also trades as Clearpay in some markets, so the same underlying plan may appear under that name.
Coverage varies by market; check Afterpay's own site for your country
Affirm spreads a fare over monthly instalments rather than a short pay-in-4 split, and some plans carry interest with approval decided by a credit check. Read the loan terms shown at checkout before confirming.
Coverage varies by market; check Affirm's own site for your country
Atome lets travellers split a booking into scheduled instalments, with eligibility and any credit check handled during checkout approval. Missed payments can bring fees, so review the schedule before booking.
Coverage varies by market; check Atome's own site for your country
Tabby splits the cost of a flight into instalments, with approval and a possible credit check as part of signup. Late or missed payments can incur fees under Tabby's terms.
Coverage varies by market; check Tabby's own site for your country
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.
$500
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.
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.
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.
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.
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.
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 (あと払い, Pay in 3/6/12) are the ones you will actually see at checkout there, with no other-market variants to reconcile.
仅供说明之用。 上述数字是根据您设定的票价计算的：无息计划采用简单除法，月度融资计划采用该计划在其规定期限内的说明性利率。这些不是报价、价格报价或对您将获得的预测。Laters.com不是贷款人，不参与决策：哪些计划出现、分期金额、任何利息和费用以及您是否符合条件完全由提供商单独决定，并取决于信用或资格评估、您所在的国家和您的购物篮。查看您真实计划的唯一方式是在结账时选择此支付方式，此时提供商而非Laters.com批准或拒绝购买。所有计划、利率、费用和条款仅为估计值，需经批准且可能变更。
我们对先买后付提供商在您预订航班时的实际运作情况的编辑评分，满分为10分。
我们结账时的每个提供商都按相同的 4 项标准评分，因此您可以在选择付款方式前进行同等比较。 查看所有先飞行后付款提供商评分 →
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. 最后审查于 2026年8月。
Laters.com 是此页面上每笔预订的商家：我们销售机票并从票价中获利，无论您选择哪种支付方式都相同。没有支付提供商为我们的位置、排名或其支付评分付费，此页面不包含任何联盟链接。
Paidy runs on a single market: Japan, settled in JPY. Its 翌月あと払い bill and 3回/6回/12回あと払い 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.
4 项标准，我们结账时的每个提供商都按相同方式评分。
Repayment Flexibility8/10
Paidy (翌月あと払い) consolidates a month's spend into one bill, while 3回/6回/12回あと払い 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.
Approval Process7/10
The monthly bill plan needs no upfront app step, but 3回/6回/12回あと払い 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.
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.
| 方案 | 今日应付 | 然后 | 您总共支付 | 信用成本 |
|---|---|---|---|---|
| Paidy (翌月あと払い)0% (no instalment fee) APR | 无 | $1,000.00 due by the 27th of the following month | $1,000.00 | 无 |
| 3回あと払い (Pay in 3)3 个月，年利率 0% APR | $333.33 | $333.33 monthly，2 次 | $1,000.00 | 无 |
| 6回あと払い (Pay in 6)6 个月，年利率 0% APR | $166.67 | $166.67 monthly，5 次 | $1,000.00 | 无 |
| 12回あと払い (Pay in 12)12 个月，年利率 0% APR | $83.33 | $83.33 monthly，11 次 | $1,000.00 | 无 |
| ペイディあと払いプランApple専用 (up to 36 payments)36 个月，年利率 0% APR | $27.78 | $27.78 monthly，35 次 | $1,000.00 | 无 |
| 超あと払い (extended deferred payment) | 无 | $1,000.00 billed on the 1st of the third following month, due on the 10th (12th for direct debit) | $1,000.00 | 无 |
| すぐ払い (Pay Now)非信用产品 | $1,000.00 | 无需再付款 | $1,000.00 | 无 |
Laters.com 上每家航空公司和每条路线都适用相同的 4 个步骤。
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.
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.
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.
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.
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.
| 您获得的内容 | Laters.com | 直接向航空公司预订 |
|---|---|---|
| Paidy 内置于所有 650+ 家航空公司的结账流程中 | ✓ | 非常少 |
| 无论您乘坐哪家航空公司，都是相同的 Paidy 分期计划 | ✓ | ✕ |
| 在一次搜索中比较每家航空公司，然后使用 Paidy 付款 | ✓ | ✕ |
| Paidy 官方合作伙伴 | ✓ | ✕ |
| 其他先买后付提供商、稳定币和 100+ 种其他付款方式可在同一结账页面使用 | ✓ | ✕ |
| 使用 Paidy 付款无手续费，无预订费 | ✓ | 有所不同 |
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.
关于在 Laters.com 上使用 Paidy 支付航班费用，您需要了解的一切。
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 (あと払いペイディ) 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.
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.
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.
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.
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.
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.
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 すぐ払い 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.
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.
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.
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.
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.
Mostly, if you pay on time. The あと払いペイディ 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.
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.
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.
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 すぐ払い 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.
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.
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.
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.
Laters.com 作为商家从票价中获利，无论您选择哪种支付方式都相同；没有支付提供商为在此页面上的位置付费。
在任何航空公司结账处，Paidy 按钮背后隐藏着四个问题。我们的完整指南为您解答。
监管摘要为一般性内容，会随时间变化；这些内容不构成法律建议，请向相关监管机构或合格顾问确认当前要求。
负责任地借款意味着仅承诺您能真正承担的分期付款。逾期付款可能导致滞纳金，可能被报告给信用参考机构，并可能影响您的信用状况和未来的借款能力。 访问 Paidy 的条款了解当前条款、资格标准和特定国家的计划可用性。 Laters.com 是 Fly Fairly 的新名称；您的预订或支持服务没有任何变化。 最后由 Laters.com 编辑团队于 2026年8月 审查。
Paidy 航班优惠、先买后付促销和闪购优惠，直接发送到您的收件箱。最多每周一封邮件，仅在有值得预订的内容时发送。
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.
