Paymenow

Paymenow is a financial wellness and earned wage access platform for employers and their employees, giving staff access to a portion of already-earned wages before payday while supporting healthier money habits.

Key capabilities include:

• Earned Wage Access (EWA): Employees can withdraw accrued wages to cover urgent needs without taking a loan, positioned as a non-credit alternative to high-cost borrowing.
• Learning Hub financial education: Gamified modules cover core personal finance topics (cash-flow management, financial planning, saving and investing, risk management) and help users build a Fin Fitness Score and earn badges.
• Savings and rewards: An in-app savings account (with interest) supports goal-based saving, and a voucher rewards option supports essential purchases.
• Employee documents and employer controls: Employees can access digital payslips and documents in-app; employers manage eligibility and access parameters, upload payslips, send notifications and rewards, and track live usage data via an employer portal.

Available on iOS, Android, and Huawei AppGallery, with a web-based employer portal and WhatsApp access for employee engagement and support.

Target audience: B2B, with employers implementing the benefit for their workforce and employees using the mobile and WhatsApp experiences.

Notable in the African context for its no-cost-to-employer model, stated ISO-27001 certification and POPIA compliance, and scale claims of 600,000+ active users and 400+ clients across Africa, with South Africa as the primary market.