SAN FRANCISCO, Oct. 21, 2019 /PRNewswire/ — PayJoy Inc, a leader in providing consumer finance to the next billion via smartphones, has launched its compatibility program for smartphone original equipment manufacturers (OEMs), starting with agreements with four key smartphone brands in emerging markets: Transsion Group, TCL/Alcatel, D.Light and Hisense, building on existing compatibility with Samsung and LG. These four smartphone brands achieved compatibility by incorporating PayJoy Access in their systems. PayJoy Access is free firmware technology developed by PayJoy to facilitate fast and efficient integration of PayJoy Lock, its industry-leading smartphone locking technology for OEMs.