Turn Every “No” Into a Sale.

90% of your customers get approved on the spot. More sales, no risk to you.

Become a Partner

87%

Customers Feel More Financially Secured

33%

Customers are New to Credit

31%

Customers Are First-Time Smartphone Users

20M+

Customers Served
Smiling woman with braided hair holds phone displaying PayJoy app logo on green screen.

+100%

Monthly Sales Volume

+33%

Transaction Value

90%+

Approval Rate for New Customers

18M+

Customers Served
Getting started

Setup takes minutes. Sales start immediately.

We handle the rest.

Apply with just an ID

No bank account. No credit history. Customers just need a Valid SA ID and 2 minutes.

Approved at checkout

Your staff runs the process. The customer applies in store and will get a decision within minutes. PayJoy provides the rental agreement.

Upfront payment

PayJoy sends you the full amount as per our agreement with you. If the customer misses a payment, that's our problem- not yours.
Smiling man in green shirt and jeans looking at phone inside a barber shop with green walls.

Digital Registration

No bank account or credit history required

Digital Registration

No bank account or credit history required

Digital Registration

No bank account or credit history required
Smiling woman wearing green apron and visor holding smartphone to her face at outdoor market stall.
Why PayJoy?

Your customers are ready to spend. We make it possible.

PayJoy takes on 100% of the risk.

Become a Partner

Keep them in store

Don't lose a sale because a customer got rejected. PayJoy approves over 90% of applicants on the spot.

Sell what’s wanted

When customers can access flexible payment options, they don't settle, they upgrade

Brands that are compatible with PayJoy

How it works

We use the phone as security

We use the phone as a security

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Easy reminders

Miss a payment? Your phone locks until you catch up. No extra charges added.

‍

Note: Please ensure you are connected to data for the PayJoy App to update after making a payment.

Unlocks instantly

Make a payment and a PayJoy phone unlocks right away. No codes, no waiting, no calls to make.
‍

Make sure you have data connection for the app to update post payment otherwise phone won't unlock.

Always a lifeline

Emergency calls and PayJoy support are always available, even if the phone is locked.

Millions of success stories, and counting

From local entrepreneurs to growing families, this is what access looks like.

"We always have it for emergencies and to solve problems. It has been a great support for our work, mainly."

Sandra Rodríguez Valgañón and Alfredo Muñoz Pineda

“Everything I do on my own now. Thank you, PayJoy, for letting me connect.”
Monica Fumba
“Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you.”
Nicole Eve Aguilar, Food Cart Entrepreneur
“Did PayJoy believe in me? Absolutely. There are companies like PayJoy that believe in us so we can get ahead.”
Marcela Perdomo López, Founder of Arepitas Paisas
“If I could go back and meet my past self, I would tell her: you're on the right path, and there are those who will believe in you, like PayJoy.”
Mery Espinoza
Seamless Operations

Works with what you already have.

Pricing, transactions, data — all synced to your existing setup. One integration, however many stores you run.

Join us
Phone screen showing payment status $394.08 due before Dec 21 and progress on Samsung Galaxy A16 payments.Phone screen showing payment status $394.08 due before Dec 21 and progress on Samsung Galaxy A16 payments.
Common Questions

Everything You Need to Know.

We believe in radical transparency. If your question isn't answered here, our commercial team is ready to help.

Who is responsible if the customer doesn't pay?

"We cover the risk, you make the sale" if the customer doesn't pay. We cover the full transaction amount upfront as per our agreement with you.

Start Growing

Become a PayJoy Partner Today.

Fill out the form below and our regional commercial team will contact you to finalize

your setup.

Thank you!!

Your submission has been received!
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