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Eliminate
Loan
Requests

Give your employees access to cash when they need it most with Earned Wage Access

Schedule a call

Earned Wage Access

ADVANCES WITHOUT THE ADMIN

Earned Wage Access makes your loan policy easy to manage. It streamlines processes which saves your admin and errors.

SAFER THAN A LOAN

Instead of a loan, give your employees access to their earnings for emergencies and other unforeseen expenses. 

BOOST PRODUCTIVITY

Boost productivity and increase your bottom line by offering an innovative employee benefit that every business needs

Schedule A MEETING
Faster Payments - Mobile Screen

Get Setup In Less Than 48 Hours

1. Data Import

Import employee data into your Jem dashboard

2. PDF Upload

Download PDF payslips and import them into your dashboard

3.  Onboarding

Inform Employees via SMS

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3x cheaper than printing. 

10x Faster than Printing. 

Distribution at the click of a button.

EARNED WAGE ACCESS

Free For Employer

GIVE YOUR EMPLOYEES EARLY
ACCESS TO THEIR INCOME
Free financial education chatbot
No cashflow impact
Custom recon file
Queries
The ability for employees to view their earnings balance
Minimum of 200 employees
Get Set Up Now

JEM has rocked our world here in our HR department at DoubleTree by Hilton Cape Town! What used to take a great deal of time, now takes a 10th of that time – issuing of payslips literally takes a few minutes per month! Set up was quick and easy.

What an amazing support team. They are really on the ball and service orientated. They do a great job on their end, allowing us to do a great one on ours! Our only regret is that we did not hear about JEM sooner! Thanks for an awesome product and for your great service!

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Roxanne van EckGroup Human Resources Manager - Double Tree Hilton
"I love Jem simply because they have always been there when I needed them, especially through the tough times.

A couple of weeks ago load shedding blew my TV and microwave and I could take an advance from Jem to replace those appliances. I would refer Jem to any other company."
Nico-Watson
Nico Watson Employee at Frankwen Forge
“Jem was introduced at a really difficult financial time for me. It was convenient and cheap to use, and it helped with budgeting.

Jem has helped immensely and it was easily accessible and easy to pay back.”
Warren GeorgeEmployee at Twizza
““Jem has supported me in a number of trying circumstances. My family and I have been able to make it to another pay period thanks to the opportunity to request an advance to aid with food, medicine, and fuel. I have no idea how my family and I would survive from pay check to pay check. I am truly appreciative of your assistance.””
Rashaad-Amardien
Rashaad AmardienEmployee at Seattle

"This is a clever product that has helped our employees and company at a very small cost."

Andrew Bryson
Andrew BrysonGroup Payroll Manager - Twizza
“Jem has been very helpful - we no longer have to worry about money during the month for mid-month emergencies. It has helped us reduce debt with interest. Before we had to borrow from loan sharks and be charged huge interest to survive during the month.”
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Zimasa ZiweleRetailability Employee
"Jem has helped me understand my payslip better and know how to budget. This is not to mention the helpful advances on my salary! Jem has been there for me, from the very first payslip I received and they are always willing to help us. "
Themba Lutendo
Themba LutendoEmployee at KFC
“This has been such a positive experience thus far, wish I knew about your company and services sooner.”
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Lizel BothaPayroll Manager - Country Style

Jem Works With Your Existing HR & Payroll System

Jem is an add-on and compatible with any HR & Payroll system, which means that we don't replace what you have. We just make it better. 

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Frequently Asked Questions

For advances, can I get paid into any bank account?

No. The money will only be paid into the bank account your employer pays your monthly salary into.
For advances, how long does it take to get the money? Withdrawal requests made before 3pm on weekdays will be paid the same day. Requests after 3pm on weekdays will be paid the next business day. All weekend requests will be paid on Mondays.
Does Jem offer loans? Jem does not offer loans, but we do however offer advances on your salary which is payable on your payday.
I do not have a mobile device to request an advance, what do I do now? You can request an advance via our USSD line *120*20030# cost: 40c per 20 seconds for our line You can also contact our customer service line on 087 058 0944.
What data security ensures the safety of our data?

Our data is hosted by Google Cloud Services using industry-standard encryption. Data is not shared with any 3rd parties and is only used to provide services to your employees via Whatsapp which uses end-to-end encryption.

All the above is fully POPIA compliant.

Employees are also required to self-authenticate using 2-factor authentication when interacting with Jem for the first time.
I do not have a mobile device to request an advance, what do I do now? You can request an advance via our USSD line *120*20030# cost: 40c per 20 seconds for our line You can also contact our customer service line on 087 058 0944.

Request a Free Consultation

Book a call now to:

  • Find out whether your business and it’s needs could benefit from Jem
  • Discuss your critical problems and see whether Jem can help solve them
  • Get pricing based on your size and needs.

There's More To Jem Than On-Demand Pay

Payslips

Send secure payslips to your entire workforce instantly at the click of a button

1-1-1-1-1

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Coming soon

 

IRP5

Send out IRP5s at the click of a button

TIME & ATTENDANCE

Time and attendance tracking using WhatsApp

SAVINGS

Giving employees access to a high-interest saving account at no cost to the employer

DOCUMENTS

End-to-end, compliant document exchange using WhatsApp

  
Communication

Communicate with your workforce at the click of a button

Phone bod 6 -1-3-1

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