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Finance for the next billion

Finance for the next billion

PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile security technology creates collateral that enables customers to afford their first smartphone on credit and then allows them further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being.

Founded in 2015, today PayJoy has reached hundreds of thousands of customers in a dozen countries around the globe, from Mexico to Indonesia, India, Kenya, and Nigeria, and is on a strong growth path with support from major industry partners to bring credit to millions in 2019.

Mark Heynen

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Cofounder @PayJoy • early bd @Skycatch • Worked at @Google and @Facebook • Founded and ran @Electrobug Technologies for 7 yrs in London, sold to @Igentica.

Tom Ricket

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Parter @Inert Soap • Founder Big Tree Games • Worked @Blizzard Entertainment • Studied @UCSD
Founder/CEO at PayJoy • Worked at @Google, @d.light • Studied at @Massachusetts Institute of Technology, @Stanford Graduate School of Business

Generous paid time off

Catered lunches daily


Commuter benefits

Annual international trip for full-time employees

+5 more
Total raised


Funded over

3 rounds

Latest round

Series B (May 2019)

Principal Product Manager - Android Security

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Principal / Senior Software Engineer - Android Security

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Software Engineering Manager, Mobile

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VP of Engineering - SF

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User Experience Designer

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