Notes on financing the next billion

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Latest Articles

A Globally Recognized Standard of Trust.

PayJoy logo with a green leaf icon on a green gradient background.
The World Cup Playbook: How Access to Credit Is Empowering Workers and Entrepreneurs Across Mexico
As the 2026 FIFA World Cup approaches, many people across Mexico are preparing not just to watch the tournament, but to participate in the economic opportunity surrounding it.
PayJoy funds an Amazon forest protection project in Peru for 2025 carbon offset
PayJoy has committed to running carbon-neutral by funding carbon offset projects in countries where we operate since 2022. For 2025, we are delighted to announce we are funding an Amazon forest protection project in Madre de Dios, Peru through ClimatePartner.
Pablo Floresmeyer
Operations Manager

All Blogs

PayJoy logo with a green leaf icon on a green gradient background.
Why we want to pay as we go — for everything
As we wrote last week, Apple’s iPhone upgrade plan charges folks a premium for paying for their phone over time, provides insurance, and gives them the option to get a new phone every year. A lot of people responded to the post saying they still thought it was a fair…
Mark Heynen
Blog
Wharton Fintech Podcast with PayJoy Founder & CEO, Doug Ricket
Helping the Underserved Escape Poverty and Gain Economic Freedom
Doug Ricket
CEO and Co-Founder
PayJoy logo with a green leaf icon on a green gradient background.
We should never have to give out our social security number to buy a phone
Today T-Mobile's CEO John Legere announced that 15 million customer records were breached on an Experian server connected with credit checks for device financing. The WSJ points out that records included names, birthdays, and social security numbers -- sufficient detail for any hacker to steal user's identities. It may be time…
Mark Heynen
Blog
Unlocking Economic Mobility
Smartphone Finance and the Rise of Mexico’s Working Mother Micro-Entrepreneurs
Weili Dong
Head of Investor Relations
PayJoy logo with a green leaf icon on a green gradient background.
The iPhone upgrade plan — deal or no deal?
This week Apple announced for the first time that it would be offering consumers the option to pay monthly for a new, unlocked iPhone every year “from $32 a month.” (details below) I wouldn’t go so far as to call this deal diabolical, but it is probably only a helpful option…
Mark Heynen
PayJoy logo with a green leaf icon on a green gradient background.
Taking our Mission to the Next Level with Greylock’s Series B Investment
Today we announced that Greylock Partners led a $20M Series B investment round in PayJoy, with participation from our seed investor Core Innovation Capital and our Series A lead Union Square Ventures. As part of this investment, Josh McFarland will be joining our board. This brings our total financing in…
Mark Heynen