Finance for the Next Billion

PayJoy is a Public Benefit Corporation dedicated to helping underserved customers in emerging markets to achieve financial stability and success. Join us!

Linda Montes, Garment Maker

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

Jorge Monroy Lazaro, Security Guard

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

Nicole Eve Aguilar, Food Cart Entrepreneur

“Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you.”

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Sandra Rodríguez Valgañón and Alfredo Muñoz

“We always have it for emergencies and to solve problems. It has been a great support for our work, mainly.”

Marcela Perdomo López, Founder of Arepitas Paisas

“Did PayJoy believe in me? Absolutely. There are companies like PayJoy that believe in us so we can get ahead.”

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Mery Espinoza

“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.”

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Monica Fumba

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

We work across teams and borders to unlock financial inclusion

You have a voice, from day one

Bold ideas can come from anywhere. Collaboration and diverse perspectives fuel our best work.

Milyon-milyong happy customers and counting.

Mula sa mga masisipag na manggagawa at mga pamilyang may malalaking pangarap, ito ang access na nagbibigay ng mas maraming oportunidad.

Our Principles

Built to Guide ‍ ‍ Everything We Do.

We focus on clarity, consistency, and long-term impact — ensuring every decision we make supports meaningful growth for our partners and customers.

• Ownership: We give people ownership of their work.
• Break Through Walls: We empower employees to do the impossible.
• Live Communication: We handle disagreements and sensitive topics with live communication: in person, by video, or phone.
• Transparency & Directness: We share information freely inside PayJoy, unless there is a specific need to keep something private.
• Focus on Scale: Achieving our mission requires global impact with massive scale.
• Work-Life Balance: We succeed in the long term by finding a sustainable balance between our work and personal lives.
• Embrace Diversity: We embrace and value diversity of backgrounds, experiences, and perspectives.
• Speed: We act with urgency and improve along the way.
• Active Listening: We seek to understand each other by first echoing back their point of view, which allows us to find the best solutions.