# 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  
[YouTube Link](https://www.youtube.com/watch?v=0ZU3AGp9aDk)

#### Customer experience with PayJoy Mexico | Jorge Monroy  
[YouTube Link](https://www.youtube.com/watch?v=RotbIu5vsKQ)

#### How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines  
[YouTube Link](https://www.youtube.com/watch?v=6vLQhubBN1U)

#### PayJoy Credit Line - Customer testimonial México 2024  
[YouTube Link](https://www.youtube.com/watch?v=l8eY-3UBR10)

#### ¡Marcela comparte su experiencia con PayJoy! | Colombia 2025  
[YouTube Link](https://www.youtube.com/watch?v=FLXj_T0atAo)

#### Iara compartilha sua experiência comprando seu smartphone novo com a PayJoy! | Brasil  
[YouTube Link](https://www.youtube.com/watch?v=tWEuTtbJVz8)

#### Testimonial de cliente en Ecuador | Mery  
[YouTube Link](https://www.youtube.com/watch?v=XFyOyGkcWQ0)

#### Hellen compartilha sua experiência comprando seu smartphone novo com a PayJoy! | Brasil  
[YouTube Link](https://www.youtube.com/watch?v=SbqARvUZB6k)

#### Depoimento Sulamita  
[YouTube Link](https://www.youtube.com/watch?v=vBrxzYhZ_hY)

#### Conheça o Antônio, cliente 15 milhões da PayJoy | Brasil  
[YouTube Link](https://www.youtube.com/watch?v=i_e1Jvl6fHk)

#### Monica shares her experience with PayJoy! South Africa  
[YouTube Link](https://www.youtube.com/watch?v=jIoESK-La7g)

## 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.