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
.svg)
We serve consumers with no credit history, no bank account, and no access to traditional financing.

High approval rates
.svg)
9 out of 10 applicants are approved, so more browsers become buyers.

PayJoy takes the financial risk
.svg)
We own the credit relationship. Default risk stays with us, not you.

.webp)

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.

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
.svg)
Retailers are paid in days, not weeks. That confidence drives higher purchase orders.

No debt-trap
.svg)
No accrued interest, no late fees, no debt spiral. Our model is built to last.

Financially stable
.svg)
We're profitable and growing. Your partnership isn't going anywhere.

No channel conflict
.svg)
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.

.png)

.png)

.png)

Experiencia de cliente con PayJoy en Colombia | Linda Montes - YouTube

Tap to unmute

Experiencia de cliente con PayJoy en Colombia | Linda Montes PayJoy

PayJoy18.9K subscribers

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

Linda Montes, Garment Maker

Customer experience with PayJoy Mexico | Jorge Monroy - YouTube

Tap to unmute

Customer experience with PayJoy Mexico | Jorge Monroy PayJoy

PayJoy18.9K subscribers

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

Jorge Monroy Lazaro, Security Guard

How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines - YouTube

Tap to unmute

How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines PayJoy

PayJoy18.9K subscribers

“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

PayJoy Credit Line - Customer testimonial México 2024 - YouTube

Tap to unmute

PayJoy Credit Line - Customer testimonial México 2024 PayJoy

PayJoy18.9K subscribers

“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

.png)

¡Marcela comparte su experiencia con PayJoy! | Colombia 2025 - YouTube

Tap to unmute

¡Marcela comparte su experiencia con PayJoy! | Colombia 2025 PayJoy

PayJoy18.9K subscribers

“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

Testimonial de cliente en Ecuador | Mery - YouTube

Tap to unmute

Testimonial de cliente en Ecuador | Mery PayJoy

PayJoy18.9K subscribers

“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

.png)

Monica shares her experience with PayJoy! South Africa - YouTube

Tap to unmute

Monica shares her experience with PayJoy! South Africa PayJoy

PayJoy18.9K subscribers

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

Monica Fumba

.png)

Who is responsible if the customer doesn't pay?

.svg)
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.