The smartest and most innovative Earned Wage Access solution within the market.

Give your employees control over the money they have earned and unlock their ability to break the debt reliance cycle.

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Empower your employees with
PayCurve's earned wage access service.

Give your employees the financial freedom they deserve with PayCurve's earned wage access service.
Help them break free from the cycle of debt and short-term credit options by providing a reliable and
convenient way to access their already earned income before payday.

Book a demo appointment and find out how PayCurve can help your business thrive.

Book a demo

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What our clients and users have to say…

What our clients…

“Employees from Macsteel are very happy with our new employee benefit. Employees say the system is quick and easy to use…..very simple. We as the employer, together with our employees appreciate the fact that affordability is considered.PayCurve is very hands on and always ensures a seamless, admin free experience. Really always available and on the ball. PayCurve provides excellent client support which is timeous and efficient. Our employees specifically like the WhatsApp support channel.The payroll interphase implementation is seamless with no issues.”

Venessa Sanders

Group Senior HC

“Airlink employees had been on salary reduction for 12 months. When we partnered with PayCurve the intention was to provide relief to employees and assist them with gradually recovering from any financial woes as we eased into full pay. A number of Airlink staff have made use of PayCurve for emergency assistance before pay-day during December 2021 and January 2022. We are able to protect the system from misuse by placing a cap on the total withdrawable amount and at the same time assist employees during situations of emergency.”

Tracey Lee Smit

Head of Payroll

"We have developed a great relationship with PayCurve and their dedication to supporting our employees is evident in all aspects of what they do. From implementation to go-live, the process was seamless and our employees now have the unique ability to financially support themselves through the course of a pay cycle. We appreciate their data-driven and responsible methodology when supporting our workforce.”

Craig Blend

HudsonsBurger Group

“ My son was diagnosed with Meningitis in February, but I was already in debt to loan sharks and could not go to them for medicine money. Macsteel HR told me to use PayCurve to avoid more credit. By using PayCurve I could buy medicine for my son and not take out more credit. PayCurve IS THE BEST THING THAT HAS HAPPENED TO ME THIS YEAR.”

Lebohang Selepe

MACSTEEL

“ PayCurve is a gamechanger for me. I have 5 kids so managing my money is a challenge. But with PayCurve I can cover their transport & food costs better than ever. I can now live Loan Shark free! ”

Majagale Malatji

AIRLINK

“ The one month I overspent my salary and was left stranded, using PayCurve I was able to cover food & transport without turning to credit. The budgeting and education will help that I never overspend again”

Freddie Steffens

OVK

What is Earned
Wage Access

Earned Wage Access is simply the option given to your employees to get paid a portion of their already earned income before the end of the pay cycle.

This unlocks your employees ability to meet mid-month expenses with income already earned, as opposed to relying on high cost credit options.

Employees can use their available balance to:

Draw Cash

Buy Grocery Vouchers

Buy Airtime or Data

Buy Medical Vouchers

Buy DIY Vouchers

How does Earned Wage Access work?

As employees complete workdays and accrue their salaries, a rule-driven portion of their already earned income becomes available, via the PayCurve platform.
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Should the employee encounter a mid-month requirement for money, by using PayCurve, the employee can get paid a portion of their already earned wage, as opposed to taking on expensive and often predatory short-term credit.

Example of mid month expenses:

Medical Emergency

Family Emergency

Transport

Groceries

Household Emergency

EWA - A win-win for employees and employers

The smartest way to lift all employees and the business they work for..

Free to Employer

Give your employees access to the most impactful employee benefit, at no cost to you as the employer.

Risk Free

PayCurve passes on no risk to the employer, meaning that should any losses arise as a result of earned wage payments, PayCurve bears those losses.

USSD Service Channel

Employees that do not have an internet connected device are able to access the service via USSD.

Affordability Assessment (NO IMPACT TO EMPLOYEE CREDIT SCORE)

By catering for your employees month-end expenses, PayCurve ensures your employees have access to the right amount.

Gamified Financial Education

PayCurve takes your employees on a journey of financial discovery by delivering financial courses and tools that change behaviours and facilitate financial awareness.

Employee Profiling & Financial Coaching

Employees are automatically profiled according to their financial health state.
Financially vulnerable and distressed employees are cross referred to accredited financial coaches for assistance.

Reduction in Staff Turnover

Increase employee satisfaction and retain talent at a lower cost. The average reduction in employee turnover is 20%.

Be the employer of choice

79% of employees are willing to switch to an employer that already offers Earned Wage Access.

Increase productivity

89% of employees are willing to work longer hours for employers who offer Earned Wage Access.