### **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 rest.

**Apply with just an ID**

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

**Approved at checkout**

Your staff runs the process. The customer applies in store and will get a decision within minutes. PayJoy provides the rental agreement.

**Upfront payment**

PayJoy sends you the full amount as per our agreement with you. If the customer misses a payment, that's our problem- not yours.

**Digital Registration**

No bank account or credit history required

.webp)

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

PayJoy takes on 100% of the risk.

**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 can access flexible payment options, they don't settle, they upgrade

## **Brands that are compatible with PayJoy**

## We use the phone as security

**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.

.png)

.png)

**Monica shares her experience with PayJoy! South Africa - YouTube**

[Monica shares her experience with PayJoy! South Africa](https://www.youtube.com/watch?v=jIoESK-La7g)  
**PayJoy**

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

*Monica Fumba*

**How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines - YouTube**  
[How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines](https://www.youtube.com/watch?v=6vLQhubBN1U)  
**PayJoy**

*“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*

**¡Marcela comparte su experiencia con PayJoy! | Colombia 2025 - YouTube**  
[¡Marcela comparte su experiencia con PayJoy! | Colombia 2025](https://www.youtube.com/watch?v=FLXj_T0atAo)  
**PayJoy**

*“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**  
[Testimonial de cliente en Ecuador | Mery](https://www.youtube.com/watch?v=XFyOyGkcWQ0)  
**PayJoy**

*“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*

### Seamless Operations

# Works with what you already have.

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

### Everything You Need to Know.

We believe in radical transparency. If your question isn't answered here, our commercial team is ready to help.

### Who is responsible if the customer doesn't pay?

"We cover the risk, you make the sale" if the customer doesn't pay. We cover the full transaction amount upfront as per our agreement with you.

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

*Thank you!! Your submission has been received!*