Spayd

Spayd: Payment Acceptance Overview For Merchants

Spayd is a merchant payment acceptance offering that supports in-person cashless payments, online card payments, and recurring billing. The product set includes mobile and countertop acceptance options, tools to send payment links, and integrations designed to work with existing POS and business applications.

What Is Spayd

Spayd is positioned as a multi-channel payment solution for merchants that want to accept cashless payments in-store and outside the store, and also collect payments remotely through online flows. The service set covers:

• In-person acceptance (mobile and all-in-one terminal options)

• Online payments (payment links and website checkout)

• Subscriptions (recurring billing after a customer is registered)

• POS and app integrations to reduce double entry at checkout

• OEM options for partners that want to provide a branded payment service

Spayd Payment Acceptance Products

In-Person Payments

Spayd supports two primary in-person acceptance approaches.

Spayd Lite (Mobile Model)

Spayd Lite is designed for merchants who want to use a smartphone or tablet with the Spayd app. The model combines:

• A card reader provided for use with the Spayd app

• A merchant-provided smartphone or tablet

• Optional peripherals for certain use cases (for example, a mobile printer is described as an option on the product page)

Spayd Lite is presented as suitable for portable scenarios such as door-to-door sales and table-side payments.

Spayd Terminal (All-In-One Model)

Spayd Terminal is an Android-based all-in-one payment terminal intended to operate without a separate smartphone, tablet, or printer. The terminal specifications include:

• PayDroid (Android 10-based OS)

• Connectivity options including Wi-Fi, mobile network (4G/3G), and Bluetooth

• Support for magnetic stripe, IC chip, and contactless card acceptance

• Debit card support

• Electronic money support with FeliCa certification (Type A/B)

• QR code support, including both camera-read and on-screen display modes (CPM/MPM)

Online Payments

Spayd includes an online payments service with two practical merchant-facing flows:

• Payment Links (Email/Chat Link Issuance): Merchants can create a payment page from a management screen and send the payment URL to customers by email or chat. This flow is positioned as not requiring development work and supports remote card payments for cases such as phone or fax orders.

• Website Checkout (Link-Type Checkout): Merchants can add a payment function to their website by displaying a payment screen hosted on the provider’s servers. The flow is described as enabling “non-retention” and “non-passing” of card data and can be customized using templates provided for merchant-side customization.

The online payments page also describes using the same management screen for billing data creation and sales management.

Subscriptions And Recurring Billing

Spayd supports recurring billing for scenarios such as monthly lessons, periodic purchases, or membership services. The subscription flow is described as:

• The customer completes a one-time member registration (either in-person or online).

• After registration, the merchant can run recurring charges while not holding card information.

Spayd also states that recurring billing can be used across both in-person and online contexts.

Supported Payment Methods

Spayd describes support across cards, contactless card schemes, electronic money, and QR code payments. Availability differs between Spayd Lite and Spayd Terminal for some methods.

Cards And Contactless Card Schemes

Spayd’s FAQ and product pages list support for major card brands and contactless variants, including:

• Visa, Mastercard, JCB, American Express, Diners, Discover, and UnionPay (brand logo basis for supported cards)

• Contactless card payments aligned with scheme naming such as Visa contactless, Mastercard contactless, JCB contactless, American Express contactless, Diners Club contactless, and Contactless D-PAS (Discover)

QR Code Payments

Spayd indicates QR code support, with different brand coverage by device:

• Spayd Lite: Alipay and WeChat Pay

• Spayd Terminal: WeChat Pay, UnionPay, Alipay+, JKOPAY, Merpay, Bank Pay, J-Coin Pay, QUO Card Pay, PayPay, d-Barai, au PAY, Japan Post Bank Pay (ゆうちょPay), and Rakuten Pay

Spayd also notes that separate merchant contracts may be required for certain QR and electronic money methods.

Electronic Money

Electronic money coverage:

• Spayd Lite: Transit e-money, WAON, nanaco, QUICPay, iD, and Apple Pay

• Spayd Terminal: Transit e-money, WAON, nanaco, Rakuten Edy, QUICPay, iD, and Apple Pay

Processing And Reconciliation

The terms describe two operational approaches (subject to contract selection and program setup):

• Monthly processing: The merchant aggregates transactions for the month and submits sales and cancellation data by the provider’s required deadline.

• Daily processing: The merchant submits sales data daily, or selects data and triggers billing through a provided management screen, or uses an auto-billing option when approvals are obtained.

Settlement Timing

The terms describe settlement (net of fees) paid by bank transfer to the merchant’s designated account, in principle on the last day of the second month following the transaction month. An example is provided in the terms that illustrates end-of-month aggregation and payment at the end of the following-next month.

Chargebacks

The terms describe chargeback handling where amounts may be offset against settlement. If a chargeback relates to a transaction that was already settled, the offset is described as occurring against future settlements, and where offset is not possible, repayment to a designated account is described.

Security And Compliance

Spayd’s security materials emphasize card data protection through industry frameworks and encryption.

PCI Standards Referenced

Spayd states alignment with security standards defined by PCI SSC, including:

• PCI DSS

• PCI P2PE

• PCI PTS

Spayd describes encrypting card information at the time of payment and transmitting it so that card data can be decrypted in a PCI DSS-compliant payment center, with the intent of enabling non-retention and non-passing of card data and reducing leakage risk. The security page also describes the card reader as aligned with PCI PTS requirements, and notes provider recognition for PCI P2PE solution and component provider status.

POS And App Integration

Spayd describes integration with POS systems and business apps, positioned to reduce duplicate price entry and streamline checkout.

URL Scheme Integration

Spayd describes app integration using URL schemes, supporting:

• Payment initiation: passing payment information (such as amount) and a return destination, then returning result information after processing

• Member registration initiation: passing member information and a return destination, then returning registration results

• Combined payment and member registration: triggering payment first and then member registration, returning combined results

Supported OS options are listed as iOS 10+, Android OS 5.0+, and Windows 10.

Pricing And Onboarding Considerations

Spayd does not present a single public fee table for setup, monthly fees, or transaction pricing.

Support And Day-To-Day Operations

Spayd provides a support contact path for merchants after implementation. The support page lists a dedicated support center phone number with stated hours (weekday and weekend/holiday coverage) and an email address for inquiries, and indicates that having a merchant code available can help the support process.

Conclusion

Spayd is structured around a practical set of merchant payment acceptance options: portable in-person acceptance via Spayd Lite, all-in-one countertop acceptance via Spayd Terminal, remote card payments via payment links and hosted checkout for websites, and recurring billing via subscription flows after customer registration. The service emphasizes POS integration via URL schemes, and its published materials focus heavily on PCI-aligned security and card data protection concepts such as encryption and non-retention.