# OEM & Manufacturer Partnerships

Sell More Devices. We Handle the Credit Risk.

**Our Partners**

### 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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### 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.

### 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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Experiencia de cliente con PayJoy en Colombia \| Linda Montes - YouTube  
[Experiencia de cliente con PayJoy en Colombia \| Linda Montes](https://www.youtube.com/watch?v=0ZU3AGp9aDk)

PayJoy 18.9K subscribers

> "PayJoy me dio la oportunidad de trabajar y seguir adelante. ¿PayJoy cree en mí? Claro que sí, de lo contrario no tendría tres teléfonos con ellos y una línea de crédito. Estoy realmente agradecido por la oportunidad de conseguir mis teléfonos, de tener el crédito y de poder cumplir este sueño."  
> Linda Montes, Confeccionista

Customer experience with PayJoy Mexico \| Jorge Monroy - YouTube  
[Customer experience with PayJoy Mexico \| Jorge Monroy](https://www.youtube.com/watch?v=RotbIu5vsKQ)

PayJoy 18.9K subscribers

> "Con mi sueldo y PayJoy, todo es más fácil. Jamás imaginé todo esto. Te has convertido en algo tan bonito en mi vida."  
> Jorge Monroy Lazaro, Guardia de Seguridad

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 18.9K subscribers

> "Gracias a PayJoy, pude acelerar mi negocio. No importa tu situación, PayJoy te acepta igual."  
> Nicole Eve Aguilar, Emprendedora de carritos de comida

PayJoy Credit Line - Customer testimonial México 2024 - YouTube  
[PayJoy Credit Line - Customer testimonial México 2024](https://www.youtube.com/watch?v=l8eY-3UBR10)

PayJoy 18.9K subscribers

> “Siempre la tenemos para emergencias y resolver imprevistos. Principalmente ha sido un gran apoyo para nuestro trabajo.”  
> Sandra Rodríguez Valgañón y Alfredo Muñoz

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¡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 18.9K subscribers

> “¿PayJoy creyó en mí? Absolutamente. Quiero invitar a todos a emprender su propio negocio, porque hay empresas como PayJoy que nos ayudan, nos apoyan y creen en nosotros para que podamos salir adelante. Habrá días buenos y días malos — pero con la voluntad de Dios, todo es posible.”  
> Marcela Perdomo López, Fundadora de Arepitas Paisas

Testimonial de cliente en Ecuador \| Mery - YouTube  
[Testimonial de cliente en Ecuador \| Mery](https://www.youtube.com/watch?v=XFyOyGkcWQ0)

PayJoy 18.9K subscribers

> "Si pudiera volver atrás y encontrarme con mi yo del pasado, le diría: estás en el camino correcto, y hay quienes creerán en ti, como PayJoy."  
> Mery Espinoza

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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 18.9K subscribers

> "Ahora hago todo por mi cuenta. Gracias, PayJoy, por permitirme estar conectada."  
> Monica Fumba

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

Te pagamos el monto total de la transacción por adelantado, generalmente dentro de las siguientes 24 horas.

### Become a PayJoy Partner Today.
Fill out the form below and our regional commercial team will contact you to finalize your setup.