Introducing PayPay Intelligence v2

The AI-native platform
for modern software.

PayPay.space unifies global financial infrastructure behind a single intelligent API — so your engineers ship product instead of plumbing.

Start building Read the docs

Platform

An intelligent layer between your product and the world.

A unified, programmable surface that lets developers compose financial workflows without thinking about the underlying systems.

Unified API surface

One model, one SDK, one set of primitives. Compose any workflow without orchestrating dozens of vendor integrations.

Built-in intelligence

Models trained on billions of signals power routing, risk scoring, anomaly detection, and reconciliation — quietly, in real time.

Sub-100 ms response

Cloud-native microservices deployed across 14 regions deliver predictable latency at global scale.

Interactive sandbox

A fully simulated environment with realistic scenarios — explore, prototype, and stress-test before production.

Compliance by default

Tokenization, residency, and audit trails are part of the platform — not features you have to assemble yourself.

40+ countries, one model

Regional rails, settlement networks, and local methods exposed through a consistent abstraction.

PayPay Intelligence

Models that think with your product.

Every request is enriched by an ensemble of models that route, score, and reason about intent — turning what used to be infrastructure into something closer to a teammate.

Predictive routing across 200+ providers in real time
Natural-language ops: ask, don't query
Continual learning from your own traffic, scoped privately

Explore the platform

$ paypay ask "why did approval drop yesterday?" Analyzing 2,401,884 events across 14 regions... → APAC issuer X had a 3.2% decline spike at 14:00 UTC. → Auto-routed 18% of impacted volume to fallback rails. → Net effect on approval: +0.4%. $ paypay simulate --scenario "EU launch, 10k/day" Projected p95 latency: 84ms · forecast confidence: 0.93

Developer experience

From hello-world to production in one afternoon.

Clean SDKs, typed responses, predictable errors. Your editor knows the platform as well as your engineers do.

First-class SDKs for TypeScript, Python, Go, Ruby, and Java
Idempotent by design — safe retries, deterministic results
OpenAPI 3.1 spec, generated docs, in-browser explorer

Open the docs

quickstart.ts

// Initialize the client
import { PayPay } from "@paypay/space";

const client = new PayPay({ apiKey: process.env.PAYPAY_KEY });

// Create an intelligent flow
const flow = await client.flows.create({
  intent: "subscription.activate",
  context: { plan: "team", region: "DE" },
  ai: { autoRoute: true, riskModel: "v2" }
});

console.log(flow.status); // "ready"

99.99%

Multi-region uptime

84ms

p95 API latency

40+

Countries covered

200+

Integrated providers

The AI-native platformfor modern software.