For Employees
For Employers
PayCurve is completely free for employers. Employees who choose to use the Earned Wage Access solution pay a small, one-time “ATM-like” withdrawal fee when accessing a portion of their earned salary before payday. All other products and services offered through PayCurve are entirely free for employees, with no hidden fees or monthly charges.
PayCurve gives your employees access to a rule-driven portion of their already earned income, at any point prior to regular payday. PayCurve is the only service provider in the market that takes month-end expenses into consideration. By doing so we ensure the amount of salary that becomes available to your employee is purely supportive and does not impede their ability to meet month-end expenditure.
No, Earned Wage Access (EWA) is not a loan. It simply allows employees to access a portion of their already earned salary before their scheduled payday.For example: imagine one of your employees on the 15th of the month. By this point, they have worked half of the month and have effectively earned half of their salary, which is owed to them by their employer. However, if they encounter an unexpected expense - such as needing money for transport to work - they cannot simply request payroll to pay them some of their already accrued salary, as traditional payroll systems typically require them to wait until payday.Without EWA, the employee may have limited options, such as missing work or turning to high-interest payday loans. With PayCurve’s EWA solution, they can withdraw a portion of their already earned salary, helping them manage their finances responsibly without falling into a cycle of debt.
With PayCurve, employees can never withdraw more than they can afford. Our system is designed to prioritise financial stability by considering each employee’s month-end expenses within our algorithms. This ensures that while employees have access to earned wages when needed, they will always have enough funds remaining to meet essential financial commitments at the end of the month. PayCurve provides responsible and structured support, helping employees manage their cash flow without financial strain.
There is no impact on your company’s cash flow. PayCurve handles all intra-month salary payments, covering the cash flow entirely. We manage the administrative process, ensuring seamless integration with your payroll system without any financial burden on your business.
PayCurve integrates seamlessly with your existing payroll processes, requiring minimal to no changes on your end. Employees receive their earned wage advances directly from PayCurve, and at the end of the payroll cycle, deductions are automatically reconciled. This ensures a smooth, hassle-free experience without adding any administrative burden to your payroll team.If your payroll provider doesn’t have an open API for integration or if you manage payroll using Excel, no stress! Our system can process an Excel flat file as a replacement for system integration, making it easy for us to provide your employees with the best service.
Employees can easily access their PayCurve profile from any internet-connected device, whether a smartphone or computer, by logging in directly. For those without internet access, PayCurve also offers a USSD option, allowing employees to engage with the full suite of solutions using a simple mobile code - no smartphone or data required.
PayCurve is fully compliant with POPIA and GDPR regulations, ensuring the secure processing and storage of confidential data. We adhere to strict data protection standards and undergo regular InfoSec due diligence processes, including penetration testing, to maintain the highest levels of security. Reports are available upon request.
PayCurve allows you to access a portion of your earned salary before payday. This helps you manage cash flow, avoid high-cost loans, and reduce financial stress. PayCurve also supports your financial wellbeing with savings tools, financial education, access to financial coaches, and a marketplace for daily living expense vouchers.
You can access a responsible and sustainable amount that takes your financial situation into account.
You only pay a small fee when you withdraw a portion of your earned salary, similar to an ATM withdrawal. PayCurve offers flexible pricing, allowing you to choose your fee based on how quickly you want the money in your account.
You choose! You can receive your money immediately, later that day or, the following day.
PayCurve is available between the 1st and the date that your employer’s payroll cuts off each month.
No! Your personal financial information will never be shared with your employer.
Yes! You can set aside a portion of your salary each month in an interest-earning money market account to grow your savings. This helps you build financial security and have funds available when you need them.
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