Inspired by people, powered by technology

Paymenow is the market-leading Earned Wage Access (EWA) platform in Africa

Focusing on financial wellness and inclusion

What is Earned Wage Access?

Earned Wage Access is a financial wellness offering to employees which allows them to access a percentage of their accrued wages before the end of their payroll cycle. It enables employees to unlock funds without the threat of a costly loan and with the added benefit of building savings and getting out of the risky financial cycle altogether.

All the power of Paymenow in your pocket

Cash-out, learn and manage your finances with ease – DATA FREE!


Paymenow is revolutionising access to liquidity without compromising financial health

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A few good reasons to choose Paymenow

South Africa has 25 million active credit customers, and more than 10 million of them are behind on their payments. As such, the population of people looking for access to liquidity is enormous.  Paymenow partners with big and small businesses in the mining, logistics, financial services, call-centers and other sectors that typically employ underserved individuals, to be able to reach low-income, salaried people. The total market size includes 11 million employed people in South Africa.

Leading EWA Solution

Paymenow was first to launch in SA and Namibia and are leaders in EWA solutions

Exemplary Credentials

We are the only EWA organisation in SA to be associated with and sponsored by an international NGO, the Catalyst Fund, mandated to financial inclusion

It Costs You Nothing

It’s FREE to employers

Highest Levels of Security 

Our tech platform has undergone information security and cyber risk assessment from F-Secure which guarantees bank-grade security

True Behaviour Change

We are the first to offer a tiered approach to financial education. The more educational modules the employee completes, the more earnings they will be able to access.

Alleviates Indebtedness

We help aim to alleviate indebtedness (10x cheaper than a payday loan and 3x cheaper than a credit card)

We Support You

Online Support
At no extra charge
Employee training supplied

Stretching Money Further

Your people are able to send
groceries, airtime and electricity to their families anywhere in the country – instantly!


App Features

Discover the latest and greatest additions to our platform right here!  Read more

Employer Portal

Paymenow is FREE to Employers

The Paymenow employer portal is a web-based app that allows the employer the ability to manage employee data on Paymenow.
The portal provides a dashboard with key performance metrics (KPIs) and trends around Paymenow utilisation.
Permissioned users are able to manage bulk employee data via file upload, or manually manage individual employee data via direct input on the app.
Users are able to download reconciliation files from the app which facilitates the salary deduction process, to ensure employees are paid the correct amount come payday.
Users are able to log support requests and engage with the support team.

Employee Application

The app is accessible on any device!

  • Realtime
  • 24/7 Access
  • Affordable

Tiering Plan

Socially and financially responsible

Paymenow takes employees’ best interests to heart by encouraging in-app financial education through gamification. By taking employees on a financial wellness and inclusion journey through financial education, employees earn Paymenow points and advance through tiers to achieve greater access to already earned wages at discounted fees.

Tiering through financial education

Employees earn points by successfully completing education modules, financial questionnaires and credit checks.

Impact Report

In our latest impact report study conducted by independent impact measurement company 60 Decibels, Paymenow achieved a Net Promoter Score of 74 – nearly double the average benchmark!

Users cannot find a better alternative to Paymenow
Did not have access to a similar financial solution prior to using Paymenow
More in control of their finances
Quality of life improvements
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Driving financial resilience for leading brands