- Earned Wage Access
Offer Earned Wage Access 
on WhatsApp
Reduce employees’ financial stress and eliminate loan requests by allowing employees to withdraw a controlled percentage of their wages before payday.
- Earned Wage Access
Offer Earned Wage Access 
on WhatsApp
Earned Wage Access lets employees withdraw a controlled percentage of their wages before payday, reducing financial stress and reliance on high-interest loans.
A payment of R150 will be paid
into your bank account.

Used and loved by +140 000 employees globally
























Used and loved by leading employers in South Africa
Many instantly-recognisable brands are already leveraging EWA to positively impact their employees.
Increased employee take-home pay by R4m
in a year
98% reduction in employee queries
100% reduction in load requests
Frontline workers deserve access 
to fair financial products
The financial reality for South Africa’s frontline workforce is bleak. EWA can help your employees break the debt reliance cycle.



*According to research from VISA and Arcadia Finance
Empower your workforce

Not a loan
Employees can only access partial wages for days already worked in a pay cycle

10x cheaper than payday lenders
Your employees can now avoid predatory lenders

Zero cost to you
Employees incur the EWA withdrawal free (3.5%)

Zero impact on your cash flow
Jem funds EWA withdrawals during the pay cycle


The majority of employees withdraw very small amounts
The financial reality for South Africa’s frontline workforce is bleak. EWA can help your employees break the debt reliance cycle.
*According to Jem’s Annual Social Impact Report
Used and loved by leading employers in South Africa
Many instantly-recognisable brands are already leveraging EWA to positively impact their employees.

Salary-based limits
Limit the maximum rand value employees can withdraw as a percentage of earned wages.

Volume-based limits
Limit the number of withdrawals employees can take within a single pay cycle.

Block dates
Implement dates where EWA can’t be used, employee-specific or company-wide.
What employers say about EWA


"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. It has been such a pleasure and our employees love it."


"We’ve received really great feedback from our employees since we launched Earned Wage Access. It’s really helped them avoid loan sharks and get our of debt."
+400 Employees
Jem saves Lasec employees R45k per year on loan fees and interest.
+400 Employees
Jem saves Lasec employees R45k per year on loan fees and interest.
The benefits for your employees
Implementing EWA helps employers support their employees’ financial wellness without taking on any risk, enhancing productivity and fostering loyalty. This creates a more stable and productive work environment.





Earned Wage Access FAQs
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