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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.

Senior Software Engineer - Infrastructure

Tom Ricket

Avatar for Tom Ricket
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
Total raised


Funded over

3 rounds

Latest round

Series B (May 2019)

Generous paid time off

Catered lunches daily


Commuter benefits

Annual international trip for full-time employees

+5 more