Integrate Today

We take the credit risk. You take the sale.

PayJoy finances the customers your current distribution can't reach. You get the sale. We handle the credit.

Reach new buyers

We serve consumers with no credit history, no bank account, and no access to traditional financing.

High approval rates

9 out of 10 applicants are approved, so more browsers become buyers.

PayJoy takes the financial risk

We own the credit relationship. Default risk stays with us, not you.

Market Intelligence

The sale doesn't end at the first phone.

PayJoy cardholders come back for accessories, upgrades, and their next device. And they tend to stick with the brand that got them started.

Premium Mix Shift

Repeat Purchase Rate

Inventory Velocity

Phone Financing

Increase Customer Lifetime Value

Many PayJoy customers return to purchase their next device. OEM partners benefit from higher repeat purchase rates and stronger brand loyalty.

Premium Mix Shift

5G Network Scale

Inventory Velocity

Proven Outcomes

Real results across emerging markets.

Our model lowers the barrier to entry—boosting sales and upgrading the product mix across entire regions.

33%

are getting their first-ever credit. New consumers opting for mid-range devices, improving OEM's margins and CLV

20M

Consumers served: proven business model with sustainable, consumer-friendly offers

+33k

Points of Sale in 9 countries

The Mechanical Backbone

A Trusted Financing Partner for Device Sales

PayJoy supports OEM partners with a sustainable financing model that drives device sales while maintaining strong relationships across the retail ecosystem.

Fast settlements

Retailers are paid in days, not weeks. That confidence drives higher purchase orders.

No debt-trap

No accrued interest, no late fees, no debt spiral. Our model is built to last.

Financially stable

We're profitable and growing. Your partnership isn't going anywhere.

No channel conflict

Works alongside any other financing offer. Consumers choose. You don't lose.

Millions of success stories, and counting

From local entrepreneurs to growing families, this is whataccess looks like.

Sempre o temos para emergências e para resolver problemas."Sempre o temos para emergências e para resolver problemas. Tem sido um grande apoio para o nosso trabalho, principalmente.

Sandra Rodríguez Valgañón e Alfredo Muñoz Pineda

"PayJoy gave me the opportunity to work and keep moving forward. Does PayJoy believe in me? Of course — otherwise I wouldn't have three phones with them and a credit line. I am truly grateful for the opportunity to get my phones, to have the credit, and to get to fulfill this dream."

Linda Montes, Garment Maker

With my paycheck and PayJoy, everything's easier. I never expected all of this. You've become something so beautiful in my life.

Jorge Monroy Lazaro, Security Guard

Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you

Nicole Eve Aguilar, Food Cart Entrepreneur

"Sempre temos isso para emergências e para resolver problemas. Tem sido um grande apoio para o nosso trabalho, principalmente."

Sandra Rodríguez Valgañón e Alfredo Muñoz

"Did PayJoy believe in me? Absolutely. I want to invite everyone to start their own venture, because there are companies like PayJoy that help us, support us, and believe in us so we can get ahead. There will be good days and bad days — but with God's will, anything is possible."

Marcela Perdomo López, Founder of Arepitas Paisas