Payjoy

PayJoy is a mission-first credit provider dedicated to helping underserved customers in emerging markets achieve financial stability and success. Through its patented technology for secured credit, PayJoy offers point-of-sale financing and card offerings, enabling customers to access modern financial services. The company has served over 18 million customers as of 2025, demonstrating solid profitability and sustainable growth. ([payjoy.com](https://www.payjoy.com/?utm_source=openai))