### **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](https://www.youtube.com/watch?v=jIoESK-La7g)

**“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](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.”**  
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)

**“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)

**“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!!

Your submission has been received!