OEM & Manufacturer Partnerships | PayJoy
OEM & Manufacturer Partnerships
Become a Partner
Our Partners
Integrate Today
We take the credit risk. You take the sale.
PayJoy finances the customers your current distribution can't reach. You get the sale. We handle the credit.
Reach new buyers
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We serve consumers with no credit history, no bank account, and no access to traditional financing.
High approval rates
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9 out of 10 applicants are approved, so more browsers become buyers.
PayJoy takes the financial risk
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We own the credit relationship. Default risk stays with us, not you.
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Phone Financing
Increase Customer Lifetime Value
Many PayJoy customers return to purchase their next device. OEM partners benefit from higher repeat purchase rates and stronger brand loyalty.
Proven Outcomes
Real results across emerging markets.
Our model lowers the barrier to entry—boosting sales and upgrading the product mix across entire regions.
33%
are getting their first-ever credit. New consumers opting for mid-range devices, improving OEM's margins and CLV
20M
Consumers served: proven business model with sustainable, consumer-friendly offers
+33k
Points of Sale in 9 countries
The Mechanical Backbone
A Trusted Financing Partner for Device Sales
PayJoy supports OEM partners with a sustainable financing model that drives device sales while maintaining strong relationships across the retail ecosystem.
Fast settlements
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Retailers are paid in days, not weeks. That confidence drives higher purchase orders.
No debt-trap
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No accrued interest, no late fees, no debt spiral. Our model is built to last.
Financially stable
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We're profitable and growing. Your partnership isn't going anywhere.
No channel conflict
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Works alongside any other financing offer. Consumers choose. You don't lose.
Millions of success stories, and counting
From local entrepreneurs to growing families, this is what access looks like.
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Customer Testimonials
Experiencia de cliente com PayJoy em Colombia | Linda Montes
Customer experience with PayJoy Mexico | Jorge Monroy
How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines
PayJoy Credit Line - Customer testimonial México 2024
¡Marcela comparte su experiencia con PayJoy! | Colombia 2025
Iara compartilha sua experiência comprando seu smartphone novo com a PayJoy! | Brasil
Testimonial de cliente en Ecuador | Mery
Hellen compartilha sua experiência comprando seu smartphone novo com a PayJoy! | Brasil
Depoimento Sulamita
Conheça o Antônio, cliente 15 milhões da PayJoy | Brasil
Monica shares her experience with PayJoy! South Africa
Who is responsible if the customer doesn't pay?
We pay you the full transaction amount upfront, typically within 24 hours.
Start Growing
Become a PayJoy Partner Today.
Fill out the form below and our regional commercial team will contact you to finalize your setup.