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

We pay you the full transaction amount upfront, typically within 24 hours.

## Become a PayJoy Partner Today.

### Thank you!!

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