Finance Unlocked

Consumer finance for the next billion

PayJoy’s mobile locking technology and data science enable financial inclusion for billions worldwide.

We enable people worldwide in emerging markets to purchase a new smartphone on installment payments and to get cash loans using their smartphone as collateral.

PayJoy partners with financial institutions and retailers around the world to get customers access to credit. Here's how:


PayJoy's full-featured Checkout platform allows customers to buy a smartphone on installments, including registration, pricing, underwriting, provisioning, device management, user management, customer support, payment processing, reporting, and analytics.

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By integrating PayJoy's mobile security APIs into their devices, smartphone manufacturers can sell more phones through PayJoy financing channels.

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