Finance for the Next Billion

PayJoy is a Public Benefit Corporation dedicated to helping underserved customers in emerging markets to achieve financial stability and success. Join us!

Linda Montes, Garment Maker
"PayJoy gave me the opportunity to keep moving forward. Three phones and a credit line later — I'm truly grateful."

Jorge Monroy Lazaro, Security Guard
“With my paycheck and PayJoy, everything's easier. I never expected all of this. You've become something so beautiful in my life.”

Nicole Eve Aguilar, Food Cart Entrepreneur
“Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you.”

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Sandra Rodríguez Valgañón and Alfredo Muñoz
“We always have it for emergencies and to solve problems. It has been a great support for our work, mainly.”

Marcela Perdomo López, Founder of Arepitas Paisas
“Did PayJoy believe in me? Absolutely. There are companies like PayJoy that believe in us so we can get ahead.”

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Mery Espinoza
“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.”

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Monica Fumba
“Everything I do on my own now. Thank you, PayJoy, for letting me connect.”

We work across teams and borders to unlock financial inclusion

You have a voice, from day one

Bold ideas can come from anywhere. Collaboration and diverse perspectives fuel our best work.

Our Principles

Built to Guide Everything We Do.

We focus on clarity, consistency, and long-term impact — ensuring every decision we make supports meaningful growth for our partners and customers.

Ownership

We give people ownership of their work.

Break Through Walls

We empower employees to do the impossible.

Live Communication

We handle disagreements and sensitive topics with live communication: in person, by video, or phone.

Transparency & Directness

We share information freely inside PayJoy, unless there is a specific need to keep something private.

Focus on Scale

Achieving our mission requires global impact with massive scale.

Work-Life Balance

We succeed in the long term by finding a sustainable balance between our work and personal lives.

Embrace Diversity

We embrace and value diversity of backgrounds, experiences, and perspectives.

Speed

We act with urgency and improve along the way.

Active Listening

We seek to understand each other by first echoing back their point of view, which allows us to find the best solutions.

Benefits that support your work, growth, and time to recharge.

Market-competitive compensation
Health & Wellness benefits
Parental Leave
Professional Development Funds
Paid Time Off

Join a global team where your contributions shape products and services that matter.

Region
Location
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Meet the people we impact

Discover how people around the world are using PayJoy to bridge the digital divide, build credit, and unlock new opportunities for their families and businesses.