### **Turn Every “No” Into a Sale.**

90% of your customers get approved on the spot. More sales, no risk to you.

# **87%**
Customers Feel More Financially Secured

# **33%**
Customers are New to Credit

# **31%**
Customers Are First-Time Smartphone Users

# 20M+
Customers Served

# **+100%**
Monthly Sales Volume

# **+33%**
Transaction Value

# **90%+**
Approval Rate for New Customers

# **18M+**
Customers Served

### Setup takes minutes. Sales start immediately.

We handle the credit. You collect the sale.

**Apply with just an ID**

No bank account. No credit history. Customers just need a valid ID and 2 minutes.

**Approved at checkout**

Your staff runs the process. The customer applies on the spot and gets a decision immediately. We approve >90% of phone finance applications.

**Upfront payment**

PayJoy sends you the full amount right away. If a customer misses a payment, that's our problem—not yours.

**Digital Registration**

No bank account or credit history required

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### Why PayJoy?

Your customers are ready to spend. We make it possible.

PayJoy takes on 100% of the credit risk. If a customer misses a payment, it’s on us.

**Keep them in store**

Don't lose a sale because a customer got rejected. PayJoy approves over 90% of applicants on the spot.

**Sell what’s wanted**

When customers have credit, they don't settle—they upgrade. Stock the brands worth selling, and we'll make sure they can afford them.

**Sales after the sale**

Once a customer has the PayJoy card, every visit is a buying opportunity, from headphones to appliances. You close it, we cover it. You get paid upfront every time.

## Brands that are compatible with PayJoy

## How it works

## Their phone is their guarantee.

Miss a payment—the phone locks. Make the payment? It unlocks. No late fees added either way.

**Easy reminders**

Miss a payment? Your phone locks until you catch up. No extra charges added.

**Unlocks instantly**

Make a payment and a PayJoy phone unlocks right away. No codes, no waiting, no calls to make.

**Always a lifeline**

Emergency calls and PayJoy support are always available, even if the phone is locked.

## **Millions of success stories, and counting**

From local entrepreneurs to growing families, this is what access looks like.

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### **Customer Testimonials**

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

**Linda Montes, Garment Maker**

"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**

"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**

"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**

"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**

"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**

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

**Monica Fumba**

### Seamless Operations

**Works with what you already have.**

Pricing, transactions, data — all synced to your existing setup. One integration, however many stores you run.

### **Become a PayJoy Partner Today.**

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