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14,448 startups · 29 programs

Joe

Acquired · We let customers "Buy Now Pay Later" on any store in Europe.

YC profile

Why it ranks

How the rank works
14signal of 100 · rising 3
  • team of 12Team size · YC's directory+5.8
  • acquiredOutcome · YC, program pages, Acquisitions+4
  • went through YCProgram · this site+4

A sum of public facts, not a judgement and not investment advice.

Competitors

OtherAcquiredOctiFiShared: pay later, buy, commerceYC W21SingaporeStartup →OtherCredPalShared: pay later, buyYC W19LagosStartup →OtherWibondShared: already made, pay later, buyYC W22CórdobaStartup →OtherAcquiredBharatXShared: pay later, buyYC W22BengaluruStartup →OtherGerald Technologies, IncShared: pay later, buy, bnplYC W21New York CityStartup →
Companies closest to Joe
Company
OctiFiShared: pay later, buy, commerceYC W21AcquiredOther
CredPalShared: pay later, buyYC W19ActiveOther
WibondShared: already made, pay later, buyYC W22ActiveOther
BharatXShared: pay later, buyYC W22AcquiredOther
Gerald Technologies, IncShared: pay later, buy, bnplYC W21ActiveOther

Adjacent

OtherTreydShared: pay laterAntler 2020SwedenStartup →AIReplyrShared: pay later, installment, buy500 Global 2019SingaporeStartup →AIThirdRocShared: pay later, buy, bnplAntler 2023AustraliaStartup →OtherGravitiShared: pay later, buy, access500 Global 2020MexicoStartup →OtherAcquiredTolaShared: pay later, buyYC W22San FranciscoStartup →
Companies next to Joe
Company
TreydShared: pay laterAntler 2020Not statedOther
ReplyrShared: pay later, installment, buy500 Global 2019Not statedAI
ThirdRocShared: pay later, buy, bnplAntler 2023Not statedAI
GravitiShared: pay later, buy, access500 Global 2020Not statedOther
TolaShared: pay later, buyYC W22AcquiredOther

Also from W22

All of W22
AIGaussAI agent that helps consumers lower the cost of debt automaticallyYC W22New York CityStartup →AIMomentoBuilding a full-stack auto insurer for the underserved in LatAmYC W22Mexico CityStartup →AIAndiAI Search for the Next GenerationYC W22San FranciscoStartup →AIAcquiredArcBanking & Funding for StartupsYC W22San FranciscoStartup →Developer toolsArgoA social streaming platform powered by creators and fansYC W22Los AngelesStartup →AIInactiveAvairSenseWe go all out to Build the Smartest AI-Enabled Cameras!YC W22BengaluruStartup →
Company
GaussAI agent that helps consumers lower the cost of debt automaticallyteam of 16hiringActiveAI
MomentoBuilding a full-stack auto insurer for the underserved in LatAmteam of 18ActiveAI
AndiAI Search for the Next Generationteam of 2ActiveAI, Data, Devtools
ArcBanking & Funding for Startupsteam of 30acquiredAcquiredAI
ArgoA social streaming platform powered by creators and fansteam of 10ActiveDevtools
AvairSenseWe go all out to Build the Smartest AI-Enabled Cameras!team of 14InactiveAI

About Joe

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

YC batch
W22 · Winter 2022
Status, per YC
Acquired
Category
Other
Team size
12
Location
Paris, Île-de-France, France
Checked
7h ago

YC tags: Fintech, Consumer

Changes seen

WebsiteNov 2, 2026

Moved its website from joe-app.com to none.

Source ↗
Website linkNov 2, 2026

Website link changed from http://www.joe-app.com/en to none.

Source ↗

Joe in W22: 398 companies, 45% AI

Joe: questions

Which YC batch was Joe in?

Joe was in Y Combinator's Winter 2022 batch (W22).

Is Joe still active?

Y Combinator lists Joe as acquired.

Where is Joe based?

Joe lists Paris, Île-de-France, France as its location on YC's directory.