# Finance for the Next Billion

Join PayJoy’s mission to bring financial access to the underserved around the world.

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## Monica Fumba

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

## 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.”

## 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.”

## **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.

## **Real Stories**

## Meet the people we impact

Discover how people around the world are using PayJoy to bridge the digital divide, build credit, and unlock new opportunities for their families and businesses.

## Testimonial Collection

**Monica shares her experience with PayJoy! South Africa**  
[Watch on YouTube](https://www.youtube.com/watch?v=jIoESK-La7g)  
“Everything I do on my own now. Thank you, PayJoy, for letting me connect.”  
    
**How PayJoy helped Nicole & Aaron achieve their smartphone dreams! \| Philippines**  
[Watch on YouTube](https://www.youtube.com/watch?v=6vLQhubBN1U)  
“Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you.”  
    
**¡Marcela comparte su experiencia con PayJoy! \| Colombia 2025**  
[Watch on YouTube](https://www.youtube.com/watch?v=FLXj_T0atAo)  
“Did PayJoy believe in me? Absolutely. There are companies like PayJoy that believe in us so we can get ahead.”  
    
**Testimonial de cliente en Ecuador \| Mery**  
[Watch on YouTube](https://www.youtube.com/watch?v=XFyOyGkcWQ0)  
“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.”

## **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.

## **Benefits that support your work, growth, and time to recharge.**

### **Market-competitive compensation**
### **Health & Wellness benefits**
### **Parental Leave**
### **Professional Development Funds**
### **Paid Time Off**