South Africa’s most affordable and accessible wage-access software.

SmartWage gives employers the ability to offer their employees access to their wages as they have earned them.

Trusted By

Employers that care for their employees.

The problem:

80% of employees require unsecured loans to make ends meet because they have to wait to be paid.

This problem has been magnified by the worst economic crisis in a century. People need access to finance now more than ever. The question we’re asking is why can’t we access our wages as we earn them?

Our vision:

Create a future where no one should have to wait to be paid.

Affordable. Our subscription model makes SmartWage the most affordable wage access software in South Africa.

Affordable.

Our subscription model makes SmartWage the most affordable wage access software in South Africa.

Accessible. We are the most accessible wage access software in South Africa, offering access channels through USSD, SMS, WhatsApp, and FB Messenger.

Accessible.

We are the most accessible wage access software in South Africa, offering access channels through USSD, SMS, WhatsApp, and FB Messenger.

Education. SmartWage offers a self-service financial education platform for all registered users.

Education.

SmartWage offers a self-service financial education platform for all registered users.

How does it work?

Easy Setup

Our customer success team guides you through a hassle-free setup & onboarding process.

01

Integration

We integrate directly with your payroll, ensuring that transactions are seamless, secure and fully auditable.

02

Activation

We manage the entire journey, from onboarding, to transactions and queries. Our customer-centric approach makes wage-access simple.

03

Transaction

Through USSD and Facebook messenger, your employees can access their earnings and use our interactive financial education tools 24/7.

04

Register

An employee registers with SmartWage.

01

Access Request

An employee requests access to a % of their already earned wages via USSD.

02

Payment

The amount requested is paid directly into the employee’s bank account within 24 hours.

03

Reconciliation

At month-end, an employee is paid their normal salary less the amounts advanced during the month.

04

Pricing:

Our subscription model makes SmartWage the most affordable solution in South Africa.

R30

per user
per month

A SmartWage subscription means employees are never punished for the amount or the frequency that they access their earnings. The SmartWage platform fee does not apply to employees who do not use the service.

Testimonials

We work with a number of employers who have seen great results by giving their employees access to their earned salaries and wages. Don’t take our word for it, hear what they’ve got to say about SmartWage:

The quality and efficiency that the SmartWage team displayed during the onboarding process was amazing as well as the continued support they have shown my staff.

Nick Arthur,

Managing Director, Nutrapharm

Testimonials

We work with a number of employers who have seen great results by giving their employees access to their earned salaries and wages. Don’t take our word for it, hear what they’ve got to say about SmartWage:

I wish I had learnt of SmartWage sooner as it has allowed me to create a better relationship with my staff and has removed the burden of staff asking for and requiring advances.

Scott Chambers

Caltex Franchisee

Testimonials

We work with a number of employers who have seen great results by giving their employees access to their earned salaries and wages. Don’t take our word for it, hear what they’ve got to say about SmartWage:

 My experience with Smartwage so far has been excellent and I have found that my employees are able to better meet their financial obligations without seeking unsecured loans.

Luke Buckley

Spar Franchisee

Testimonials

We work with a number of employers who have seen great results by giving their employees access to their earned salaries and wages. Don’t take our word for it, hear what they’ve got to say about SmartWage:

The financial wellness resonated with me as I value how my employees are treated, and this reduces their risk of being taken advantage of by loan sharks.

Rob Nicol

CEO of AI Surveillance

Testimonials

We work with a number of employers who have seen great results by giving their employees access to their earned salaries and wages. Don’t take our word for it, hear what they’ve got to say about SmartWage:

It’s a simple concept that has made a huge difference to our employees’ lives. We’ve loved the educational resources, and our staff are now making smart financial decisions.

Chris Lister-James

KFC Franchisee

What the media is saying about SmartWage.

With SmartWage, everyone wins.