Access the wages you've already earned.
PayEarly is not a loan. It's your own salary, tracked day by day as you work it. Withdraw up to 100% of what you've earned so far for one flat 4% fee, paid via ZIPIT or direct bank transfer in minutes, with EcoCash and Innbucks as backup. Auto-settled on payday.
- 4%
- Flat fee
- < 5 min
- Payout
- 0%
- Interest
Live example
$750 net monthly salary · pay day 25th
You're only accessing money you've already worked for. On payday, your employer deducts the $394.65 advanced from your salary. No interest, no debt.
The cash flow gap
Payday is the 25th. Rent, transport and emergencies don't wait.
Across Africa, the majority of salaried workers live paycheck to paycheck and are routinely stranded mid-month. The fallback of loan sharks, microfinance APRs north of 300%, or borrowing from family punishes the people who can least afford it. PayEarly removes the gap altogether by letting workers tap the wages they have already earned. We are starting in Zimbabwe and scaling across the continent.
Stuck mid-month
Salaries finish before payday. Transport, food and rent gaps follow.
Expensive borrowing
Loan sharks and high-interest microfinance trap workers in debt cycles.
HR chaos
Salary advance requests are manual, awkward, and slow employers down.
How PayEarly works
Four steps. No paperwork. No interest.
01
Employer onboards
Companies plug in their payroll cycle. Zero capital required. PayEarly funds the advances.
02
Employee signs up
Workers create an account and verify their employer in minutes. No credit checks.
03
Salary accrues daily
PayEarly tracks earned wages day by day. You see exactly what's available.
04
Tap, get paid, settle on payday
Request an advance via ZIPIT or direct bank transfer (EcoCash and Innbucks as backup). We auto-deduct on payday. Done.
For employees
Your salary, on your schedule.
Stop borrowing at 300% APR. PayEarly is your wages, paid earlier. One flat 4% fee. Nothing more.
- Instant payout via ZIPIT or direct bank (EcoCash / Innbucks as backup)
- Auto-settled on payday
- No credit checks, no rollovers
For employers
A financial wellness benefit that pays you back.
Offer earned wage access without funding it yourself. Reduce salary advance chaos and lift productivity from day one.
- Zero capital deployed
- Eliminates manual advance requests
- Improves retention and focus
Starting in Zimbabwe · Scaling across Africa
A continental problem. A scalable solution.
More than 400 million salaried and waged workers across Africa face the same mid-month cash flow gap, from Lagos to Lusaka, Nairobi to Johannesburg. The infrastructure, mobile money, formal payroll, smartphone penetration, is finally ready. PayEarly is built once, deployed market by market.
- 400M+
- Workers addressable
- $50B+
- Annual EWA TAM
- 6
- Markets by 2027
Zimbabwe
LiveLaunch market. ZIPIT and direct bank transfer as primary rails, with EcoCash, Innbucks and other mobile wallets as backup. USD payouts only.
Zambia
2026Mobile money rails via MTN and Airtel Money.
Kenya
2026M-Pesa integration. ~30M mobile wallet users.
Nigeria
2027Largest salaried workforce on the continent.
Ghana
2027MoMo-first market with strong payroll formality.
South Africa
2027Bank-rail EWA for the formal sector.
Honest pricing
One flat fee. No interest. No late fees. No surprises.
You can withdraw up to 100% of what you've already earned in the current pay cycle. PayEarly takes a flat 4% of the amount you withdraw. That's it. Withdraw less, pay less. Withdraw nothing, pay nothing.
See pricing detailsWorked example · day 18 of 30
- Net monthly salary
- $750.00
- Earned so far in cycle
- $450.00
- Withdraw (100% of earned)
- $450.00
- PayEarly fee (4%)
- − $18.00
- IMTT on disbursement (2%)
- − $9.00
- Transfer fee
- Absorbed by PayEarly
- Paid to your wallet
- $423.00
Build a financially calmer workforce, anywhere in Africa.
Whether you employ 20 people or 20,000, in one country or six, PayEarly slots into your existing payroll in days, not months. Starting in Zimbabwe, scaling across the continent.