Our Commitment to Customers.
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We aspire to offer our customers a transparent, fair and delightful experience
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Transparent Pricing
See clear and transparent pricing and
fees before agreeing to a contract. For instance, we never add fees or charges other than what you sign up for at point of purchase.
fees before agreeing to a contract. For instance, we never add fees or charges other than what you sign up for at point of purchase.
Lock Awareness
Know how and when the lock will be engaged and how and when your payment will unlock the device.
Direct and Easy Communication
Communicate with PayJoy 100% via digital means (without being required to exchange paper except where required by law).
Efficient Response
Directly raise concerns with PayJoy and expect to receive a response to your concern.
Emergency Services
You can use emergency services and customer service on a PayJoy locked phone regardless of lock state.
Respect and Dignity
You won’t be subject to threats or intimidation during the collection process and we won’t use your contacts or social networks to intimidate you. And all repercussions of non-payment will be clearly stated upfront (e.g. impact on credit).
Privacy
Consent and be made aware of what data and device control PayJoy has, and why. Rely on PayJoy to hold their confidential data securely.
Device Returns
Return a working device in good faith and have your loan obligation closed on return, with no negative credit impact.
Frequently Asked Questions
We want your experience with PayJoy to always be safe. Here we answer some questions you might have. If you can't find the answer you're looking for, write to us! We'll be happy to help.
What does PayJoy Philippines (PayJoy) offer?
PayJoy PH provides access to Android smartphone financing for the underserved and the underbanked
How can my customers get PayJoy financing?
- We just need two things from the individuals to get the financing:
- A valid and active government-issued ID for verification
- An active phone number for account linking
How can I be a PayJoy Retail Partner?
- To ensure a smooth partner onboarding process, please prepare the following valid and active documents according to your business type:
- PayJoy Agreement
- National ID
- BIR Certificate of Registration (COR)
- Any document to validate the signature and the President's or Owner's name. If another person is signing on behalf of them, then we'll require a Sec Certificate or Special Power of Attorney
How long does it take to be onboarded as a PayJoy Retail Partner?
If the submitted documents are complete and valid, you will be registered within 1-2 business days.
Is my information secure with PayJoy?
- Yes. We:
- Follow Philippines Data Privacy Act laws
- Use bank-level security
- Never share your data without permission
- Have strict employee access rules
- Your information stays protected.
Do you finance all brands and models?
Yes! We support all major Android brands.
Do you offer marketing materials?
Yes. PayJoy supplies comprehensive marketing collateral to drive your sales.
