Help your employees to avoid loan sharks and payday lenders.
Give them access to a portion of their salary, before payday.
Trusted and used by South Africa’s most forward-thinking employers.
How it works for employers
1. Seamless Integration
SmartWage works seamlessly with 100% of South African payroll providers.
2. No Interruptions
SmartWage pays the advance amount directly to the employee. There is no cash flow burden for your company.
3. Easy Payroll Deductions
At month end, SmartWage shares a payroll file containing all advances throughout the month. Once uploaded, your payroll will automatically reflect all payslip deductions.
At month end, you can pay your employees their normal wage less the amounts advanced during the month.
All this, with no interruptions to your current payroll process.
Benefits to employers
What employees get
Payment on demand
Employees can access up
to 25% of their already
earned income via their cellphone through
Whatsapp or USSD.
*USSD: The employees that do not have Whatsapp, can use USSD to use SmartWage. This means that they can dial *120*20030# and follow the steps to take an advance.
Using the SmartWage Learn Chatbot, employees can learn the financial tools to change their spending behaviours.
Employees do not have to rely on unsecured debt options to make it to the end of the month, giving them more financial control.
This is Thandeka.
Thandeka has to meet unexpected expenses during the month. With no savings, she has few options. Thandeka is one of 44m South Africans with the same problem.
When Thandeka does not have the cash to pay for an expense, she goes to a loan shark who charges her:
R44 for a R100 payday loan
R90 for a R300 payday loan
R750 for a R3000 payday loan
With SmartWage, she uses her own money to pay for the expense, thus avoiding high interest loans.
See what our clients have to say about SmartWage
“We’ve seen a drastic decrease in staff absenteeism since implementing SmartWage. This has further improved since we rolled it out to all of our stores.”
Customer Success Manager
“The thing we love about SmartWage is that it gives our people flexibility when they need it.”
“We use SmartWage because it’s simple, affordable and less admin. On top of this, it actually helps our staff.”
“From an administrative point of view, SmartWage is a no brainer!”
Administrative and HR Manager
“With SmartWage, our employees have flexibility and autonomy without having to ask the business for help.”