Employee Wallet
Access wages you've already earned, before payday.
Employee Wallet provides access to a portion of wages already earned in the current pay cycle. Funds are disbursed by your employer and recovered via standard payroll on the next pay date. Whether this constitutes a credit transaction under the National Credit Act depends on the specific structure. FinVeil operates under an employer-funded float model. For advice about your specific situation, speak to your HR team or a registered debt counsellor.
Earned-wage calculator
How much can I access?
Drag the sliders. See exactly what you could access today — no interest, no credit check.
You could access
R11 932
Breakdown
- Daily rate
- R1 591
- Days worked
- 15 of 22
- Earned so far
- R23 864
- Available (50%)
- R11 932
- Fee
- R35 flat (no interest, no credit check)
- You receive
- R11 897
vs. payday loans
A payday loan for R11 932 at 5% monthly would cost R597/month in interest. FinVeil charges a flat R35. You save R1 755 over 3 months.
Repayment is automatic — deducted from your next payroll. Zero employer admin.
How it works
Three steps.
Calculate available balance
FinVeil knows how many days the employee has worked this month and their daily rate.
Employee requests advance
Self-service portal or WhatsApp. Flat fee disclosed upfront.
Automated repayment
Deducted from next payroll run. Zero employer admin.
Benefits
Why teams choose Employee Wallet.
Employer-funded
Your employer fronts the funds from their existing payroll float. No third-party lender involved.
Automatic recovery
Repayment is deducted from your next payroll run. Zero manual admin.
Transparent fees
A flat fee per advance, disclosed upfront. No compound interest.
Who it's for
Developer-friendly
Drop it into your stack.
REST API, typed SDKs in 9 languages, and a sandbox environment you can explore in 30 seconds. No calls with sales to get keys.
Read the docsPOST /api/advances
Authorization: Bearer $TOKEN
Content-Type: application/json
{ "employeeId": "...", "amount": 2500.00 }
→ 201 Created
{ "advanceId": "...", "status": "APPROVED",
"disbursementStatus": "PROCESSING" }