Choose when you get paid and never take a loan again.

With SmartWage, you get early access to your earned wages at a fraction of the cost of a payday loan.

How it works for Employees?

We’ve designed our process to be quick and easy, so you can stop worrying about your finances and get back to living your life.

01

Register

Once your employer has partnered with SmartWage, register from your cell phone through our in under 30 seconds.

02

Transact

Any time you’re in need of some of your earned wages, dial our USSD line on your cell phone, check your balance and request the amount you need in under two minutes.

03

Get Paid

Your requested amount will be paid into your bank account within one business day.

04

Reconciliation

When payday comes around, you’ll see any amounts that you withdrew as deductions on your payslip. No payments. No admin.

One monthly fee. No interest. No surprises.

SmartWage charges one flat subscription fee from as little as R12 per month. There is no interest charged. Once you’re registered you can request access to as much as you need, as often as you need.

Up to 22X cheaper than a payday loan.

In your pocket in one business day.

Only access what you need, when you need it.

Get Educated.

SmartWage subscribers get access to an on-demand financial education service.

Got seven minutes? Learn financial savvy on your mobile phone with SmartWage Learn, an interactive chatbot that teaches you how to manage your finances and get out of debt.

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

With SmartWage, everyone wins.