We believe in the power of technology

to unlock financial access to a better life.
PayJoy brings smartphone technology to customers who otherwise could not afford it. Our smartphone lock, data science, and world-class platform make consumer finance work where it was never before feasible.
PayJoy was founded in 2015 at Stanford University in Silicon Valley, secured over $20M of funding from top venture capital firms, and is now selling to customers across the US and Mexico, with ambitions to reach the 3 billion underbanked consumers worldwide.


Doug Ricket
Gib Lopez
Mark Heynen

We are

united by our desire to build a product that really matters, making technology accessible to people who otherwise would be left behind.

Join our team!

We're hiring talented software engineers and business people
who are excited about our mission.

We offer:
* Convenient location 2 blocks from CalTrain in SF
* Generous paid time off (including 12-weeks paid parental leave, company holidays, and flexible hours)
* Health, dental, vision, life, and disability insurance all covered 100% at the basic level by the company
* Commuter benefits
* Catered lunch once a week
* Snacks (savory? sweet? you decide!)
* Pool table for those moments when you need a break