ProductsEarned Wage Access
Offer Earned Wage Access on WhatsApp
Employees withdraw a controlled percentage of wages they've already earned, before payday. Less financial stress, fewer loan requests and no app for anyone to download.
Employees withdraw a controlled percentage of wages they've already earned, before payday. Less financial stress, fewer loan requests and no app for anyone to download.
Trusted by 200+ employers and 250,000+ deskless workers across Africa
For most frontline workers the alternatives are payday lenders and loan sharks. EWA gives your employees a way to handle mid-month emergencies without starting a debt cycle.
Employees can only access a portion of wages for days already worked in the pay cycle.
A Jem withdrawal costs up to ten times less than what unregulated lenders charge.
Employees pay the withdrawal fee: R6 + 2% for same-day, R25 + 2% for instant.
Jem funds withdrawals during the cycle; you settle on your normal pay run.
R 550
Current monthly cost incurred by employee
R 28
Monthly cost incurred by employee on Jem
R 1,252,800
Total Jem puts back in your employees' pockets per year
Based on a same-day Jem withdrawal at R6 + 2% of the amount, compared with the interest an unregulated lender charges on the same amount over a month.
Cap the rand value employees can withdraw as a percentage of earned wages.
Cap the number of withdrawals per pay cycle.
Set dates when EWA can't be used, per employee or company-wide.
Limit EWA availability by employee criteria such as job title or tenure.
90%
frontline adoption after just three weeks
McDonald's
98%
frontline adoption, rolling 12-month average
Securitas
50%
improvement in employee retention over 12 months
Oryx
R300
saved per employee per month vs unregulated lenders
Meridian
“Before Jem, we processed 80 staff loans a month. It was an admin nightmare. Now, we just send our employees to Jem when they are under financial stress.”
Leana Pretorius
Senior Payroll Partner, Mukuru
Employees can only ever withdraw money already owed to them, capped at 25% of the owed amount, so the remaining 75% acts as a buffer. Jem also works with your payroll team to flag terminations fast, fitting your existing process.
No. There's no credit, no interest and no debt created. Employees access their own earned wages early.
Zero cost to the business. Employees pay per withdrawal: R6 + 2% same-day, R25 + 2% instant.
A 30-minute onboarding call, then you send us your employee data and we handle the rest. We can have you up and running on Jem in two business days.
Book a demo and walk through every module live, or see it on WhatsApp, on a real phone, in minutes.
