Improving your quality of life with real-time access to wages and necessity items

Owe nothing – Paymenow is NOT a loan and NOT a credit product

Use your already earned wages to get:


Grocery Vouchers

Clothing Vouchers

Medical Vouchers



Changing financial behaviour responsibly

User Testimonials

See what employees across the country are saying about Paymenow

Read More
“It is a useful app, that teaches about budgeting and is there for emergency. You just have to use wisely..”
Employer Benefits
Read More
“I am no longer a burden on other people now, I don't have to go around asking people for money when I need it.”
Paymenow employees
Read More
“It has been helpful to me when I need to buy something before month end. I am able to withdraw money from my salary to get things like food or transport money.”
Paymenow employees
Read More
“Best app in the world.”


Paymenow is an employee benefit app that focuses on financial wellness and inclusion. Connected to your company payroll, Paymenow facilitates responsible access to money you have already earned.

No! Any cash outs you receive via Paymenow is NOT a loan. It is simply access to money you have already earned.

A cash out on Paymenow will cost you a small service fee as well as a transaction fee to disburse the funds to your bank account. An immediate payment option is also available at a slightly higher cost. No interest is charged. No subscription fees. No hidden costs.

You do not owe Paymenow anything, ever! Any cash outs you receive using Paymenow will be deducted from your next salary payment. Example. if you cash out R500 in the middle of the month, come pay day, you will receive R500 (plus fees) less than your usual salary, paid into your bank account. 

All information around earnings and cash out limits are controlled by your employer. If you are a fixed salary employee, Paymenow uses a calculation to determine your daily amount is added to your available balance. If you are a time and attendance or shift worker, Paymenow will only provide an available balance based on the information received from your employer.

Unfortunately, no. Paymenow, to combat fraud and any illegal activity can only cash out to the bank account as provided by your employer. If you need it changed, please contact your employer HR or Payroll department.

Yes, Paymenow uses bank grade security, encyption and 2-factor authentication to ensure your money and private information is safe. As an additional security feature, Paymenow can only cash out to the bank account as provided by your employer.

No, Paymenow will not share any of your information with any other party unless you have explicitly given us the permission to do so. We will only share your cash out history with your employer to allow them to adjust your salary according to your total advance amount in the next pay cycle. Refer to our T&C’s for more information.


When you buy Boxer, Pick n Pay, Dischem, Pep, Baby City, Trident, Game, Jumbo, Cash 'n Carry, Makro or Builders Follow these steps:

  • Once the purchase is successful, the voucher code will be displayed on your phone, and we will send an SMS to your number with the same details
  • This voucher code can be redeemed at the cashier
  • You can forward the details to a loved one
  • You can re-use the voucher until the value has been depleted. If the remaining value is less than R10, cash change will be given, and the voucher code will be void
When you buy Checkers, Shoprite or Usave: Follow these steps:

  • You’ll need a Shoprite Money Market account to redeem the voucher.
  • If you don’t have one, don’t worry! You can buy the voucher and then set up the account.
  • Once the voucher is bought, you will receive an SMS from Paymenow stating the value of the voucher you purchased. You will be prompted to get the Shoprite app or dial *120*3534# to redeem the voucher.
  • ShopriteMoney Market account setup steps will also be sent to your number as soon as the voucher purchase is successful.
  • Once the Shoprite Money Market account is set up, the value purchased will be loaded onto a Money Market account.
  • You will be able to login to the Shoprite Money Market app to pay at a Shoprite till or transfer the voucher value to friends/family.
When you buy Eskom: Follow these steps:

  • The voucher will be linked to the meter number entered and cannot be used on another meter.
  • Once the meter number has been confirmed, a numeric code will be sent to your phone via SMS.
When you buy MTN, Telkom, Vodacom or CellC: Follow these steps:

  • The top-up will be allocated to the number provided as part of the purchase steps.
  • An SMS will be sent to the number provided to confirm the top-up.
When you buy Woolworths: Follow these steps:

  • You will receive a confirmation SMS from Paymenow with all the details and confirmation of the amount.
  • Show this to the customer services counter in-store to transfer the value to a Woolworths Gift Card redeemable at POS.
  • You can also forward this message to a loved one.
  • Alternatively, the virtual gift card number as displayed in the SMS can be used on Woolworths Online without being converted into a physical gift card in-store
When you buy Discovery: Follow these steps:

  • You’ll need to redeem it on the Discovery Website or via their WhatsApp number by sending a WhatsApp message to 0800 33 78 46. Just say “Hi” and follow the prompts to get started.
When you buy Netcare: Follow these steps:

  • You will receive an SMS with the voucher number
  • You can make an appointment with the Netcare Doctor by dialling 0860 101 151
  • On arrival at the doctor, the voucher number will be validated
  • Once validated, the funds are applied to the appointment costs
When you buy Uber: Follow these steps:

  • You will receive a confirmation SMS from Paymenow with all the details and confirmation of the amount and voucher code.
  • Open your UBER app and follow these steps:
  • Click to ACCOUNT at the bottom right
  • Click on WALLET at the top in the middle
  • Click on the black ADD FUNDS button
  • Click on GIFT CARD
  • Enter the voucher code
  • You can also use this link to go to the app or login

All vouchers bought on Paymenow are valid for at least 1 year.  Vouchers bought on Paymenow cannot be transferred to cash.  

Vouchers can be sent/shared with friends/family.