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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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

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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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Who is responsible if the customer doesn't pay?

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We pay you the full transaction amount upfront, typically within 24 hours.

Become a PayJoy Partner Today.

Fill out the form below and our regional commercial team will contact you to finalize your setup.