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Joe (YC W22) — We let customers "Buy now pay Later" on any store in europe

Joe is building a innovative and flexible DtoC Buy Now Pay Later App in Europe powered by Tech📲. In Europe, only 15% of e-commerce have integrated BNPL solutions and consumers don’t have access to installments very easily.

Joe is a Y Combinator company in the Winter 2022 batch. Its directory entry describes it as: We let customers "Buy Now Pay Later" on any store in Europe. The founders listed are Kevin Ohana (Founder), Yohan Elbase (Founder) (Y Combinator directory entry, February 22, 2022).

6 more companies from YC Winter 2022 ↓

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Joe

New accelerator entry · 2022-02-22 · the record

Winter 2022
batch
12
people
Early
stage
France
region
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What the record says

BatchWinter 2022
Announced2022-02-22
StageEarly
StatusAcquired
Team size12
IndustryFintech
Sub-industryFintech -> Consumer Finance
SectorsFintech, Consumer
RegionsFrance, Europe, Remote, Partly Remote
BasedParis, Île-de-France, France
HiringNo
Sitehttp://www.joe-app.com/en

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Also in YC Winter 2022

Same batch, Fintech first.

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In their words

Joe is building a innovative and flexible DtoC Buy Now Pay Later App in Europe powered by Tech📲. In Europe, only 15% of e-commerce have integrated BNPL solutions and consumers don’t have access to installments very easily. Within Joe app and our virtual card you can buy now pay later on any store without any technical integration. And if you already made your purchase, you can be refunded and get 3 installments

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  3. What They Do, And How The Money Works

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  5. The Money: Funding, Valuation, Runway

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  8. Sources

    1 cited source found

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Joe: Accepted into Y Combinator Winter 2022
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Permanent URL: https://mentionfox.com/funding/yc-joe
Last updated 2026-10-20
Primary record: Y Combinator directory entry
Joe (YC W22) — We let customers "Buy now pay Later" on any store in europe. MentionFox, 2026-10-20. https://mentionfox.com/funding/yc-joe