OEM & Manufacturer Partnerships | PayJoy
OEM & Manufacturer Partnerships
Sell More Devices. We Handle the Credit Risk.
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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Financiación de teléfonos
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.
Premium Mix Shift
5G Network Scale
Inventory Velocity
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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Experiencia de cliente con PayJoy en Colombia | Linda Montes - YouTube
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Experiencia de cliente con PayJoy en Colombia | Linda Montes
“PayJoy me dio la oportunidad de seguir adelante. Tres teléfonos y una línea de crédito después — estoy realmente agradecida.”
Customer experience with PayJoy Mexico | Jorge Monroy - YouTube
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Customer experience with PayJoy Mexico | Jorge Monroy
“Con mi sueldo y PayJoy, todo es más fácil. Jamás imaginé todo esto. Te has convertido en algo tan bonito en mi vida.”
How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines - YouTube
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How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines
“Gracias a PayJoy, pude acelerar mi negocio. No importa tu situación, PayJoy te acepta igual.”
PayJoy Credit Line - Customer testimonial México 2024 - YouTube
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PayJoy Credit Line - Customer testimonial México 2024
"Siempre lo tenemos para emergencias y para resolver problemas. Ha sido un gran apoyo para nuestro trabajo, principalmente."
¡Marcela comparte su experiencia con PayJoy! | Colombia 2025 - YouTube
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¡Marcela comparte su experiencia con PayJoy! | Colombia 2025
“¿PayJoy creyó en mí? Claro que sí. Hay empresas como PayJoy que creen en nosotros para salir adelante.”
Testimonial de cliente en Ecuador | Mery - YouTube
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Testimonial de cliente en Ecuador | Mery
“Si pudiera volver atrás y encontrarme con mi yo del pasado, le diría: estás en el camino correcto, y hay quienes creerán en ti, como PayJoy.”
Monica shares her experience with PayJoy! South Africa - YouTube
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Monica shares her experience with PayJoy! South Africa
“Ahora hago todo por mi cuenta. Gracias, PayJoy, por permitirme conectar.”
¿Quién es responsable si el cliente no paga?
El cliente es el responsable de pagar su cuota. El celular se bloquea hasta que el cliente se ponga al día. PayJoy hace la gestión de cobranza.
Become a PayJoy Partner Today.
Fill out the form below and our regional commercial team will contact you to finalize your setup.