PayJoy is a consumer finance platform that allows consumers to buy smartphones by changing the upfront phone charges into equated monthly installments. The company partners with retailers to provide these services. PayJoy's pay-to-own contracts app come pre-enabled (installed by the retailer) on the smartphone and this enables companies to lock the android phone in case of non-payment of the EMI. Customers register for PayJoy at a local merchant with their Facebook account, phone number, and government issued I.D.
PRODUCTS & SERVICES:
App for retailers to provide EMI options to smartphone buying customers
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Vega Express, Tu Centro Mobile, Azteck Communications and Retail Customers