Notes on financing the next billion

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Latest Articles

A Globally Recognized Standard of Trust.

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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

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PayJoy Gets an Astounding 80 NPS in Mexico
A Net Promoter Score (NPS) helps companies measure customer satisfaction. The proponents of NPS argue that NPS is directly related to revenue growth and profitability. Considering that keeping existing customers is 25 times cheaper than getting new ones, maintaining an above industry average NPS is indispensable to sustained growth. PayJoy…
Rodrigo
Podcast
Women's World Banking Podcast With PayJoy on Credit Access
This #MothersDay, we’re honored to be invited by Women's World Banking to spotlight the unsung economic powerhouses: working moms. 💪🌍
Lucia Villar
SVP Product
Blog
The $300 Million Revenue Global Juggernaut with a Mission to Empower a Billion Clients Around the World
Miguel Armaza interviews Doug Ricket, CEO & Co-Founder of PayJoy, a global fintech with $300+ million in annual revenue serving 10+ million customers in eight countries.
Doug Ricket
CEO and Co-Founder
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PayJoy Raises $18M to Bring Mobile Finance to the Next Billion
PayJoy is delighted to announce $18M of new funding to help us bring mobile finance to the next billion. The raise includes an $8.5M Series A equity investment led by Union Square Ventures, $4M of venture debt from Western Technology Investment, and $5.7 M of private lending capital. Following $4M raised in 2015, this brings…
Doug Ricket
CEO and Co-Founder
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PayJoy closes $6M investment round led by Santander and ITOCHU
San Francisco PayJoy has closed $6M of new investment with strategic partners who will help PayJoy phone financing further expand internationally throughout Latin America, Asia, and Africa. The investment was led by Santander InnoVentures, the fintech venture capital fund of Santander Group, and ITOCHU Corporation, one of the largest Japanese…
Doug Ricket
CEO and Co-Founder
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PayJoy Lock lifecycle end to end
By Jaideep Mirchandani and Dominique Friedl In previous PayJoy blog posts, we highlighted the problem in lending to the underbanked and underserved and how PayJoy technologies are now helping to solve this problem. In this post, we’ll talk about how Lock and Access come together to serve these underbanked and…
Jaideep Mirchandani
Chief Product Officer