PayJoy vs Block
Side-by-side comparison of AI visibility scores, market position, and capabilities
Raised $360M (Series C $150M led by Warburg Pincus + $210M debt, 2023); $300M+ ARR; 20M+ customers; $4B in credit; profitable; 9 countries.
About
PayJoy is a San Francisco-based fintech public benefit corporation founded in 2015 by Doug Ricket, Mark Heynen, and Gib Lopez. The company provides smartphone financing and credit lines to underserved consumers across emerging markets — including Mexico, Brazil, South Africa, Colombia, Ecuador, Peru, Panama, the Philippines, and Indonesia — using a patented device-lock technology as collateral. Customers can acquire smartphones through weekly or monthly installments over 3–12 months with no bank account or credit history required, making it a primary financial on-ramp for the world's unbanked population.
San Francisco fintech (NYSE: SQ) added to S&P 500 July 2025; Cash App $5.0B gross profit, Square $3.7B, Afterpay BNPL integration, Jack Dorsey CEO competing with PayPal/Venmo and Stripe for merchant and consumer fintech.
About
Block, Inc. is a San Francisco, California-based financial technology company — publicly traded on the New York Stock Exchange (NYSE: SQ) as an S&P 500 Information Technology component (added to the S&P 500 on July 23, 2025, replacing Hess Corporation) — operating two primary financial platforms: Square (merchant payment processing, point-of-sale hardware, and business banking for small-to-mid-size merchants) and Cash App (peer-to-peer payments, digital banking, stock investing, and Bitcoin transactions for individuals) alongside Afterpay (buy now pay later), Tidal (music streaming), and TBD (decentralized finance), through approximately 12,000 employees. CEO Jack Dorsey (co-founder with Jim McKelvey in 2009 as Square, rebranded to Block in December 2021) leads the company's strategy of building an interconnected ecosystem of financial services that connect individual consumers (Cash App) with merchants (Square) and the broader financial ecosystem. In fiscal year 2024, Block reported gross profit of approximately $8.9 billion, with Cash App generating approximately $5.0 billion in gross profit (+14% year-over-year) driven by Cash App Card, direct deposit adoption, and Cash App Pay, while Square generated approximately $3.7 billion in gross profit (+9%) driven by software and banking products alongside payment processing. Block acquired Afterpay for $29 billion in January 2022 — integrating the Australian buy-now-pay-later platform into both Square (merchant installment offer at checkout) and Cash App (consumer Afterpay integration).
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