Comparison

ENEOSカードアプリ vs Paidy

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

Head to head
About

ENEOSカードアプリ

Manage your ENEOS card account, view billing and points, and access roadside assistance. Stay updated on campaigns and important notifications from Toyota Finance.

Highlights
  • View monthly billing and total points
  • Easy emergency roadside assistance
  • GPS tracking for location sharing
  • Campaign participation registration
  • Receive special offers and notifications
Features
Read full description

ENEOSカード アプリはトヨタファイナンス株式会社の公式アプリです。 ■■■主な機能■■■ 1. 月々のご請求金額・総保有ポイントがひと目でわかる! 新しいアプリではよりわかりやすく確認できるようになりました 2.緊急時の連絡もカンタン!安心のロードサービス機能! もしもの時もアプリがあればGPS機能でお客さまの現在位置をフォローし、緊急の連絡も簡単!万が一の際のクルマのトラブル時でも安心! 3. キャンペーンの参加登録もアプリでラクラク! おトクな情報や重要なお知らせも随時お届けします ■■■ご留意事項■■■ ・iOS15未満はサポート対象外となりました。iOS15 未満のバージョンをお使いの場合は、OSのバージョンアップをお願い致します。OSのアップデートの内容/方法に関しては、Appleのサポート (https://support.apple.com/ja-jp/118575)をご確認ください。 ・本アプリは、トヨタファイナンス株式会社発行のクレジットカード「ENEOSカード」会員さま、かつ、会員さま専用WEBページ MY TS3(マイティーエスキュービック)へご登録の方に無料でご利用いただけます。 ・画像はすべてイメージです。 ・このアプリは全ての端末について動作保障するものではありません。 ・アプリご利用時のパケット通信費は別途必要となります。 ・本アプリより提供するキャンペーンについて、Apple Inc.、Apple Japan Inc.(アップルジャパン株式会社)は、スポンサーではなく、一切関係がありません。 <弊社がメール送信する際のメールアドレス> shared_app-info@toyota-finance.co.jp

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/

Screenshots

ENEOSカードアプリ4 screens
Paidy4 screens

Verdict

The call

The clearest difference is ads: ENEOSカードアプリ at none against Paidy's shown. ENEOSカードアプリ also leads on monetization model (ad-supported vs free with in-app purchases). Paidy's advantage is update cadence (fortnightly vs every 2 months) and rating (4.4 vs 4.2). On price, review sentiment, in-app purchases and device support 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.

ReceptionRating · Positive reviews · Number of ratings

Paidy holds the better App Store score, 4.4 against 4.2. That said, the two scores are not equally well evidenced: Paidy has 159K ratings behind it against 21K, so its average is the more settled of the two. Written reviews split almost evenly too, at 6% and 6% positive.

UpkeepUpdate frequency

ENEOSカードアプリ ships an update every 2 months, Paidy fortnightly. The most recent releases landed on November 10, 2026 and November 11, 2026 respectively.

Scorecard5 real differences · 5 level
ENEOSカードアプリ versus Paidy: the parameters behind the verdict, then further details
ParameterENEOSカードアプリPaidy
PriceFreeFree
Rating4.2 (21K ratings)4.4 (159K ratings) — better
Positive reviews6.0% of reviews6.3% of reviews — better
Number of ratings21K159K — better
Update frequencyEvery 2 monthsFortnightly — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationAd-supported — betterFree with in-app purchases
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better16.0
Further details — not scored
Size27 MB166 MB
Age rating4+4+
DeveloperTOYOTA FINANCE CORPORATIONPaidy Inc.

Customer experience

ENEOSカードアプリ

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews50 reviews
Positive6.0%
Neutral4.0%
Negative90.0%

Paidy

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

In-app purchases

None

ENEOSカードアプリ

No in-app purchases

None

Paidy

No in-app purchases

Questions

Is ENEOSカードアプリ free?
ENEOSカードアプリ is free to download, with no in-app purchases.
Is Paidy free?
Paidy is free to download, with no in-app purchases.
Which has better reviews, ENEOSカードアプリ or Paidy?
Paidy is rated higher. ENEOSカードアプリ averages 4.2 out of 5 from 21K ratings, while Paidy averages 4.4 from 159K ratings.
Do ENEOSカードアプリ or Paidy have ads?
Paidy shows ads; ENEOSカードアプリ does not.
Which is updated more often, ENEOSカードアプリ or Paidy?
ENEOSカードアプリ ships an update every 2 months, and Paidy fortnightly. Most recently, ENEOSカードアプリ was updated on November 10, 2026 and Paidy on November 11, 2026.

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