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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Customer experience with PayJoy in Colombia | Linda Montes - YouTube

PayJoy18.9K subscribers

PayJoy me dio la oportunidad de seguir adelante. Tres teléfonos y una línea de crédito después, me siento realmente agradecido.

Linda Montes, Garment Maker

Customer experience with PayJoy Mexico | Jorge Monroy - YouTube

PayJoy18.9K subscribers

Con mi sueldo y PayJoy, todo es más fácil. Nunca esperé que fuera así. Se han convertido en algo maravilloso en mi vida.

Jorge Monroy Lazaro, Security Guard

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

PayJoy18.9K subscribers

Gracias a PayJoy, pude impulsar mi negocio. Sin importar tu situación, PayJoy te abre las puertas.

Nicole Eve Aguilar, Food Cart Entrepreneur

Millions of success stories, and counting

Customer testimonial México 2024 - YouTube

PayJoy18.9K subscribers

Siempre lo tenemos a mano para emergencias y para resolver problemas. Ha sido un gran apoyo para nuestro trabajo, principalmente.

Sandra Rodríguez Valgañón and Alfredo Muñoz

¿Quién es responsable si el cliente no paga?

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Te pagamos el monto total de la transacción por adelantado

Become a PayJoy Partner Today.

Start Growing