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. Bank payout of advances is not yet connected: today an approved advance is recorded, and no money moves. Whether this constitutes a credit transaction under the National Credit Act depends on the specific structure. 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. The fee (a percentage of the advance) is shown upfront.
Repayment recorded
The advance is recorded against the employee for recovery through the employer’s next payroll run. Automatic payroll deduction is not built.
Benefits
Why teams choose Employee Wallet.
No money moves yet
An approved advance is recorded and credited to an internal wallet record. No bank payout is connected.
Recovery via payroll
Recovery is intended to run through the employer’s payroll. Automatic deduction is not built.
Transparent fees
The fee for each advance is calculated and shown before the request is submitted.
Who it's for
Developer-friendly
Drop it into your stack.
REST API with an OpenAPI reference, and a test mode on the same API. Sign up for test API keys without a sales call. SDKs are available on request.
Read the docsPOST /api/advances
Authorization: Bearer $TOKEN
Content-Type: application/json
{ "employeeId": "...", "amount": 2500.00 }
→ 201 Created
{ "advanceId": "...", "status": "APPROVED",
"disbursementStatus": "PROCESSING" }