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

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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.

Note: Please ensure you are connected to data for the PayJoy App to update after making a payment.

Unlocks instantly

Make a payment and a PayJoy phone unlocks right away. No codes, no waiting, no calls to make.

Make sure you have data connection for the app to update post payment otherwise phone won't unlock.

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.

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Monica shares her experience with PayJoy! South Africa - YouTube

Monica shares her experience with PayJoy! South Africa

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

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How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines - YouTube
How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines

“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

“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

“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

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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.

Fill out the form below and our regional commercial team will contact you to finalize your setup.

Thank you!!

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