Comparison

Paidy vs かぎんPayB

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Paidy

Shop now and pay later with just your smartphone. No credit card or pre-registration is needed. Consolidate your purchases into a monthly bill with flexible payment options, including installments at 0% interest for select plans.

Highlights
  • Buy now, pay later with smartphone
  • No credit card or pre-registration required
  • Monthly consolidated billing
  • Flexible payment methods (convenience store, bank transfer, auto-debit)
  • 0% interest installment plans (3, 6, 12 months)
  • Shop and discover products within the app
  • Apple product installment plans
Read full description

Features - Buy now pay later with just your smartphone - No Credit card nor Pre-registration required, no annual fee - Buy now at more than 700K shops including Amazon, SHEIN, DMM - Monthly consolidated bill received at the beginning of next month and you can easily choose the payment method that works best for you - Freely choose from convenient store, automatic debit transfer, bank transfer - Pay at Lawson, Ministop, FamilyMart,Seicomart,7-Eleven - Monthly bills can be paid by simply showing the screen at a convenience store with the app - You can pay at a convenience store at any time by using the "Pay Now" function - Discover products in "Shop" and "inspiration" tabs and complete purchase in the app for a smooth shopping experience Make shopping easier and delightful by verifying your identification: - Use "3 pay" or "6 pay" or "12 pay" to split your purchase into 3 or 6 or 12 monthly installments at 0% interest. * - Check your spend limit and set a budget to stop overspending *0% interest only with auto-debit and bank transfer. *The number of payments that can be selected varies depending on the merchant Paidy Plus for Apple - Shop at Apple with 0% interest** - Installment plans up to 36 months, depending on the product - Dedicated line of credit exclusively for Apple Retail - An application for “Paidy Plus for Apple” is required to shop at Apple***. **0% interest only with auto-debit and bank transfer. ***Paidy and Paidy Plus cannot be used to make purchases at Apple. ***The 3pay, 6pay, and 12pay features for Paidy Plus cannot be used with Apple. Recommended For -Those who prefer cashless payment -Those who prefer to pay monthly consolidated bills at next month -Those who are worried about the overuse of credit cards -Those who prefer to pay in monthly installments without fees -Those who prefer to freely choose payment options such as convenient store, automatic debit transfer, bank transfer -Those who prefer to purchase Apple products with monthly installments Security Measures -Account protected with two-factor authentication using verification codes -Monitor all transactions 24 hours a day, 365 days a year -Prevention of fraud and impersonation by identity verification -Payment information is encrypted with TLS (Transport Layer Security) [English] 【For more details, click here】 https://paidy.com 【Paidy Plus for Apple Terms of Use】 https://terms.paidy.com/hokatsu-apple/ 【Paidy Plus Terms of Use】 https://terms.paidy.com/hokatsu/

About

かぎんPayB

Link your Kagoshima Bank account to pay bills and make purchases at PayB member stores. Settle utility bills, taxes, and more directly from your smartphone. Securely manage your payment history and customer information.

Highlights
  • Link multiple Kagoshima Bank accounts
  • Cashless payments at PayB stores
  • Pay utility bills and taxes
  • View payment history
  • Secure customer information management
Features
Read full description

■アプリの概要 ・お支払手段として鹿児島銀行の口座を登録(複数口座可) ・PayB加盟店の店頭・店内でのお支払いもキャッシュレスで ・電気料金、水道料金、各種税金などの払込票・納付書に関わるお支払いをスマホから ・お支払いの履歴もスマホから確認出来ます。(※領収書は発行されません) ・お客さま情報はセンターサーバで管理するため、セキュリティも安心 ※今後の機能拡張については、都度ご案内いたします。 ■ご利用対象 鹿児島銀行の普通預金口座をお持ちで、キャッシュカードを発行されている個人のお客さま ■ご利用時間 24時間ご利用いただけます。 ■お問い合わせ かぎんeバンクセンター フリーダイヤル 0120−892−720 受付時間 平日9:00〜18:00 ■取扱手数料 無料 ※鹿児島銀行が提供するかぎんPayBは、ビリングシステム株式会社が提供する「PayB」を元に自社アプリとして開発されたものです。 ビリングシステム株式会社が提供するスマートフォン決済アプリ「PayB」に対応した加盟店でも共通でご利用可能です。

Screenshots

Paidy4 screens
かぎんPayB4 screens

Verdict

The call

The clearest difference is review sentiment: かぎんPayB at 77% against Paidy's 6%. かぎんPayB also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). Paidy's advantage is update cadence (fortnightly vs every 8 months). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Paidy ships an update fortnightly, かぎんPayB every 8 months. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.

Scorecard4 real differences · 6 level
Paidy versus かぎんPayB: the parameters behind the verdict, then further details
ParameterPaidyかぎんPayB
PriceFreeFree
Rating4.4 (159K ratings) — better—
Positive reviews6.3% of reviews76.9% of reviews — better
Number of ratings159K — better—
Update frequencyFortnightly — betterEvery 8 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.1 — better16.0
Further details — not scored
Size165 MB2 MB
Age rating4+4+
DeveloperPaidy Inc.鹿児島銀行

Customer experience

Paidy

All ratings71 ratings
Positive66.2%
Neutral7.0%
Negative26.8%
Written reviews63 reviews
Positive6.3%
Neutral4.8%
Negative88.9%

かぎんPayB

Written reviews26 reviews
Positive76.9%
Neutral0.0%
Negative23.1%

In-app purchases

None

Paidy

No in-app purchases

None

かぎんPayB

No in-app purchases

Questions

Is Paidy free?
Paidy is free to download, with no in-app purchases.
Is かぎんPayB free?
かぎんPayB is free to download, with no in-app purchases.
Do Paidy or かぎんPayB have ads?
Paidy shows ads; かぎんPayB does not.
Which is updated more often, Paidy or かぎんPayB?
Paidy ships an update fortnightly, and かぎんPayB every 8 months. Most recently, Paidy was updated on October 26, 2026 and かぎんPayB on October 25, 2026.

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