📅 Monday, Oct 27 | 🕔 5–7 PM | 📍Money Hall, Money20/20 Drinks. Ideas. Fintech’s finest — let’s make the first part of Monday night count. 🎉
PayJoy
Financial Services
San Francisco, California 49,154 followers
Finance for the next billion
About us
PayJoy is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and credit cards, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and provide safety acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 17 million customers as of 2025 while achieving solid profitability for sustainable growth.
- Website
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http://www.payjoy.com
External link for PayJoy
- Industry
- Financial Services
- Company size
- 1,001-5,000 employees
- Headquarters
- San Francisco, California
- Type
- Privately Held
- Founded
- 2015
- Specialties
- Consumer Finance, Mobile, data science, emerging markets, nextbillion, and access
Locations
Employees at PayJoy
Updates
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Honored that PayJoy was recognized as ⚡ Best BNPL ⚡ for Tearsheet’s Power of Payments Awards 2025. A win for financial inclusion—and for everyone building stronger financial futures. Congrats to J.P. Morgan Payments, Remitly and other category winners! To read more: https://lnkd.in/ggrDu9bf
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PayJoy is hitting the stage at Money20/20 USA. Join Doug Ricket, Lucia Villar, and Josh McFarland for a live conversation on how tech is rewriting the rules of financial access. ⚡ Vegas → Don’t miss it. Let’s connect.
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PayJoy is honored to win the 🌍Finovate Excellence in Financial Inclusion award! Grateful for this recognition as we work to expand financial access for the next billion. Congrats to the winners in other categories including Nubank, DBS Bank, Checkout, and Talkdesk—together shaping the future of finance. #FinovateAwards #FinancialInclusion #PayJoy
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What if financial tools weren’t a privilege, but a universal right? That’s the question PayJoy is asking — and acting on. Thank you Nik Milanović and This Week in Fintech for the thoughtful questions. Tune in for the full episode below.
Scaling impact in emerging markets isn’t easy. But PayJoy is proving it’s possible. In our latest episode, Nik Milanović sits down with Doug Ricket , CEO of Payjoy, to unpack how the company has: • Delivered $3 billion in credit to 16 million customers • Projected $650 million+ in revenue and $110 million in profit this year • Built a business model that pairs profitability with financial inclusion From using smartphones as collateral, to navigating the pandemic by shifting to in-house lending, Doug shares how PayJoy is unlocking credit access for the next billion people. It’s a story of resilience, innovation, and scaling social impact at a global level. 🎧 Listen here: https://lnkd.in/enFzuzg9 Brought to you by PayJoy.
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We’re proud to welcome T. Rowe Price as a direct investor in the PayJoy Asset Fund, supporting our mission to expand credit access across the Global South. Today, 1 in 2 PayJoy customers is new to credit and 1 in 3 is getting their first smartphone—unlocking income growth, digital access, and economic opportunity. A heartfelt thank you to Samy Muaddi and Lee Sun. Together, we are building a more inclusive financial future. To read more, please see https://lnkd.in/gckgWdjq
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Our CFO, Bill Yialamas, will take the stage at FinTech Live New York tomorrow, June 17th, at 8:15 AM PST. Join Bill as he explores fintech strategies that drive financial inclusion and scalable solutions that enhance customer value creation. Register to attend: https://lnkd.in/eW-U_WnA
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🎉 15 million customers. 10 years of service. One big thank you. 🎉 From Mexico and Brazil to South Africa, the Philippines, and beyond, we’ve spent the last decade helping people like Antonio—our 15 millionth customer and a devoted father who works a second job as a nighttime motorcycle delivery driver, 7 days a week, to support his wife and 7-year-old son—get their first phone, build credit, and take big steps toward a better future. 💚 To our customers: thank you for believing in us. 💚 To our team: thank you for your heart and hustle. 💚 To our partners: thank you for walking this path with us. Here’s to the next 15 million. 🚀 👉 https://lnkd.in/ggHeDbzH https://lnkd.in/gnQdbKBH
PAYJOY 15M customers served - 2025
https://www.youtube.com/
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This #MothersDay, we’re honored to be invited by Women's World Banking to spotlight the unsung economic powerhouses: working moms. 💪🌍 In the latest podcast, Lucia Villar, our SVP of Product Management, joins Sonja Kelly, PhD, Global Head of Women's World Banking to explore how digital credit and financial inclusion are more than just numbers—they’re lifelines for many. 📱 Why are smartphones essential tools for financial inclusion? 💸 How does a transparent credit experience turn trust into income? 🌱 What’s the ROI of designing financial tools specifically for women? 🎧 Tune in now: https://lnkd.in/gYRqvc7v #FinancialInclusion #PayJoy
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PayJoy reposted this
This #EarthDay, we’re happy to share that PayJoy is continuing its commitment to sustainability. Since 2022, we’ve maintained carbon neutrality by supporting carbon offset initiatives in the countries where we operate. For 2025, we’re excited to fund a forest protection project in the Amazon, located in Madre de Dios, Peru, through our partnership with #ClimatePartner. A heartfelt thank you to all our amazing PayJoy volunteers who help make this impact possible! See more project detail: https://lnkd.in/gaykaF7u
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