Welcome to our Customer Education Platform

We’re not able to change the contract term (3, 6 or 9 months) once it’s been selected.

However, you do have full control over how often you pay. You can make a payment every 7, 14, 21, or 30 days, whatever works best for your budget. Please see the app if you’re unsure of how much is due.

While we don’t perform traditional credit checks, our system does review certain background information to help us make a responsible decision. In some cases, this may result in an application not being approved.

Please know that your information is updated regularly, and the outcome can change. We recommend trying again after 31 days and we truly hope it’s successful next time around!

💚 We believe in second chances and in you.

Please send your request to infosa@payjoy.com, they’ll review your details and guide you through the next steps or call us at: 087-250-0706.

Our team would be happy to assist you with your request.

Please contact us via the in-app chat,  the app will still work even if your phone is locked.

At PayJoy, our goal is to help you build a positive payment history. We report both on-time and missed payments, so keeping up with your agreement can help strengthen your financial record.

If an agreement isn’t completed, we are required to report that too.

Yes, you can use your PayJoy phone outside of South Africa, just make sure your payments stay up to date as usual.

Please note that PayJoy doesn’t provide data or airtime, so you’ll need a roaming or international data package from your mobile network provider to stay connected while travelling.

Safe travels and stay connected!

PayJoy doesn’t currently offer insurance on devices. If you’d like to insure your phone, we recommend reaching out to a trusted third-party provider.

Yes, you can cancel and return your device.

Step 1 : Please contact customer care via WhatsApp on 079 803 6072 regarding cancellation

Step 2 : Return PayJoy device to the store which it was purchased from, the following conditions need to be met:

Device should be in working condition, no scratches or dents

All personal accounts (Gmail accounts) and passwords must be removed

Device box needs to be included, with all accessories in the box, if any accessories are missing and if there is no box the cancellation cannot be done

*Payments are NOT refundable for return and cancellation devices*

Asikwazi ukushintsha isikhathi senkontileka (izinyanga ezi-3, 6 noma eziyisi-9) uma sesikhethiwe.

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Nokho, uyakwazi ukulawula ngokugcwele ukuthi ukhokha kaningi kangakanani. Ungenza inkokhelo njalo ezinsukwini ezingu-7, 14, 21, noma ezingu-30, noma yini esebenza kangcono kubhajethi yakho. Sicela ubone uhlelo lokusebenza uma ungaqiniseki ukuthi yimalini efunekayo.

Nakuba singakwenzi ukuhlola okujwayelekile kwekhredithi, isistimu yethu ibuyekeza imininingwane ethile engemuva ukuze isisize senze isinqumo esinomthwalo wemfanelo. Kwezinye izimo, lokhu kungase kubangele ukuthi isicelo singavunywa

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Sicela wazi ukuthi ulwazi lwakho lubuyekezwa njalo, futhi umphumela ungashintsha. Sincoma ukuthi uzame futhi ngemva kwezinsuku ezingu-31 futhi sithemba ngempela ukuthi kuzophumelela ngokuzayo!

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💚 Sikholelwa emathubeni esibili nakuwe.

Sicela uthumele isicelo sakho ku-infosa@payjoy.com, bazobuyekeza imininingwane yakho futhi bakuqondise ezinyathelweni ezilandelayo.

Ithimba lethu lingakujabulela ukukusiza ngesicelo sakho.

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Sicela usithinte ngengxoxo yangaphakathi nohlelo, uhlelo lokusebenza lusazosebenza ngisho noma ifoni yakho ikhiyiwe.

Kwa-PayJoy, umgomo wethu uwukusiza ukuba wakhe umlando wokukhokha omuhle. Sibika kokubili izinkokhelo ezifika ngesikhathi nezigejiwe, ngakho ukugcina isivumelwano sakho kungasiza ukuqinisa irekhodi lakho lezezimali.

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Uma isivumelwano singaqedwa, kudingeka sikubike lokho nathi.

Yebo, ungasebenzisa ifoni yakho ye-PayJoy ngaphandle kweNingizimu Afrika, qiniseka ukuthi izinkokhelo zakho zihlala zihambisana nesikhathi njengenjwayelo.

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Sicela uqaphele ukuthi i-PayJoy ayinikezi idatha noma isikhathi somoya, ngakho uzodinga iphakheji yedatha yokuzulazula noma yamazwe ngamazwe evela kumhlinzeki wakho wenethiwekhi yeselula ukuze uhlale uxhumekile ngenkathi usohambeni.

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Uhambo oluphephile futhi uhlale uxhumekile!

I-PayJoy okwamanje ayinikezi umshwalense kumadivayisi. Uma ungathanda ukuqinisekisa ifoni yakho, sincoma ukuthi uxhumane nomhlinzeki othembekile wenkampani yangaphandle.

Yebo, ungakhansela futhi ubuyisele idivayisi yakho.

Isinyathelo 1 : Sicela uthinte ukunakekelwa kwamakhasimende nge-WhatsApp ku-079 803 6072 mayelana nokukhansela

Isinyathelo sesi-2 : Buyisela idivayisi ye-PayJoy esitolo eyathengwa kuso, izimo ezilandelayo zidinga ukuhlangatshezwana nazo:

Idivayisi kufanele ibe sesimweni sokusebenza, ingabi nemihuzuko noma amazinyo

Wonke ama-akhawunti omuntu siqu (ama-akhawunti e-Gmail) namaphasiwedi kufanele asuswe

Ibhokisi ledivayisi lidinga ukufakwa, nazo zonke izesekeli ebhokisini, uma izisekeli zishoda futhi uma lingekho ibhokisi ukukhansela ngeke kwenziwe.

*Izinkokhelo AYIBUYISELWA kumadivayisi okubuyisela nokukhansela*

Sicela ubuyisele idivayisi esitolo lapho ithengwe khona

Sizodinga okulandelayo:

• Igama Nesibongo
• Inombolo yeselula
• I-imeyili
• Inombolo ye-ID
• Irisidi yokuthengisa

Ibhokisi ledivayisi elinazo zonke izesekeli

Ha re khone ho fetola nako ea konteraka (likhoeli tse 3, 6 kapa 9) hang ha e khethiloe.

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Leha ho le joalo, u na le taolo e felletseng ea hore na u lefa hangata hakae. U ka lefa matsatsi a mang le a mang a 7, 14, 21 kapa 30, eng kapa eng e sebetsang hantle bakeng sa tekanyetso ea hau. Ka kopo, sheba sesebelisoa haeba o sa tiisehe hore na ke bokae.

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A na nka etsa kopo kapa ho bona hore na kea tšoaneleha inthaneteng?

Ho bona hore na oa tšoaneleha kajeno, ka kopo etela lebenkele le haufi la hau la PayJoy, moo o ka khethang smartphone le leano la ho lefa (likhoeli tse 3, 6, kapa 9).

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Seo u se hlokang feela ke ID e nepahetseng ea SA, le nomoro ea mohala.

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Tefo ea pele e tla baloa ho latela mohala oo u o khethileng le leano la hau la ho lefa.

Ka kopo romella kopo ea hau ho infosa@payjoy.com, ba tla hlahloba lintlha tsa hau mme ba u tataise mehatong e latelang.

Sehlopha sa rona se ka thabela ho u thusa ka kopo ea hau.

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Ka kopo ikopanye le rona ka puisano ea in-app, sesebelisoa se ntse se tla sebetsa le haeba mohala oa hau o notletsoe.

Ho PayJoy, sepheo sa rona ke ho u thusa ho haha ​​​​histori e ntle ea ho lefa. Re tlaleha litefo tse nakong le tse fetileng, kahoo ho boloka tumellano ea hau ho ka thusa ho matlafatsa tlaleho ea hau ea lichelete.

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Haeba tumellano e sa phethoa, le rona re tlameha ho tlaleha seo.

E, u ka sebelisa mohala oa hau oa PayJoy kantle ho Afrika Boroa, etsa bonnete ba hore litefo tsa hau li lula li le teng joalo ka mehleng.

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Ka kopo elelloa hore PayJoy ha e fane ka data kapa airtime, kahoo o tla hloka sephutheloana sa data sa marang-rang kapa sa machabeng ho tsoa ho mofani oa marang-rang oa hau hore o lule o hokahane ha o le leetong.

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Maeto a sireletsehileng 'me u lule u hokahane!

PayJoy hajoale ha e fane ka inshorense ho lisebelisoa. Haeba u ka rata ho kenya inshorense fonong ea hau, re khothaletsa ho ikopanya le mofani oa litšebeletso tse tšepahalang oa mokha oa boraro.

Ee, o ka hlakola le ho khutlisa sesebelisoa sa hau.

Mohato oa 1: Ka kopo ikopanye le tlhokomelo ea bareki ka WhatsApp ho 079 803 6072 mabapi le ho hlakola

Mohato oa 2 : Khutlisetsa sesebelisoa sa PayJoy lebenkeleng leo e rekiloeng ho lona, ​​​​maemo a latelang a lokela ho finyelloa:

• Sesebelisoa se tlameha ho ba maemong a ho sebetsa, ha se na mengoaho kapa meno
• Litlaleho tsohle tsa botho (liak'haonte tsa Gmail) le li-password li tlameha ho tlosoa
• Lebokose la lisebelisoa le hloka ho kenyeletsoa, ​​le lisebelisoa tsohle ka lebokoseng, haeba lisebelisoa li le sieo, 'me haeba ho se na lebokose, ho hlakola ho ke ke ha etsoa.

*Litefo ha li busetsoe bakeng sa lisebelisoa tsa ho khutlisa le ho hlakola*

Ka kopo, khutlisetsa sesebelisoa lebenkeleng leo se rekiloeng ho lona

Re tla hloka tse latelang:

• Lebitso & Surname
• Nomoro ea sele
• Email
• Nomoro ea ID
• Receipt ea thekiso
• Lebokose la lisebelisoa le lisebelisoa tsohle

Ons kan nie die kontraktermyn (3, 6 of 9 maande) verander sodra dit gekies is nie.

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Jy het egter volle beheer oor hoe gereeld jy betaal. Jy kan elke 7, 14, 21 of 30 dae 'n betaling maak, wat ook al die beste vir jou begroting werk. Sien asseblief die toepassing as jy onseker is oor hoeveel verskuldig is.

Terwyl ons nie tradisionele kredietkontroles uitvoer nie, hersien ons stelsel sekere agtergrondinligting om ons te help om 'n verantwoordelike besluit te neem. In sommige gevalle kan dit daartoe lei dat 'n aansoek nie goedgekeur word nie.

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Weet asseblief dat jou inligting gereeld bygewerk word, en die uitkoms kan verander. Ons beveel aan om na 31 dae weer te probeer en ons hoop regtig dat dit volgende keer suksesvol sal wees!

💚 Ons glo in tweede kanse en in jou.

Stuur asseblief jou versoek na infosa@payjoy.com, hulle sal jou besonderhede hersien en jou deur die volgende stappe lei.

Ons span help jou graag met jou versoek.

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Kontak ons ​​asseblief via die inprogram-klets, die toepassing sal steeds werk al is jou foon gesluit.

By PayJoy is ons doelwit om jou te help om 'n positiewe betalingsgeskiedenis te bou. Ons rapporteer beide betyds en gemiste betalings, so om tred te hou met jou ooreenkoms kan help om jou finansiële rekord te versterk.

As ’n ooreenkoms nie voltooi word nie, moet ons dit ook rapporteer.

Ja, jy kan jou PayJoy-foon buite Suid-Afrika gebruik, maak net seker jou betalings bly soos gewoonlik op datum.

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Neem asseblief kennis dat PayJoy nie data of lugtyd verskaf nie, so jy sal 'n swerf- of internasionale datapakket van jou selfoonnetwerkverskaffer nodig hê om gekoppel te bly terwyl jy reis.

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Veilig reis en bly verbind!

PayJoy bied tans nie versekering op toestelle aan nie. As jy jou foon wil verseker, beveel ons aan dat jy 'n betroubare derdepartyverskaffer kontak.

Stuur asseblief die toestel terug na die winkel waar dit gekoop is.

Ons benodig die volgende:

• Naam en van
• Selfoonnommer
• E-posadres
• ID-nommer
• Verkoopbewys
• Toestelboks met alle bykomstighede