PayMaster
Earned wage access paid straight into your staff's existing bank accounts — a payroll benefit that costs the employer nothing and needs no new card, no new account, no behaviour change from staff.
Built for the businesses that actually need this.
Everything PayMaster does out of the box.
Instant drawdown
Staff draw earned wages in seconds — via app or SMS.
Zero cost to employer
No fees on your side to run the programme.
Not a loan
PayMaster gives access to wages already earned — no credit product, no NCR issues.
Auto-repayment
Drawn amounts net off automatically at the next payroll run.
Reduces churn
Staff with earned wage access are measurably less likely to resign or take payday loans.
Four steps from first call to live.
Enable it
Turn on PayMaster in Nexus for eligible staff.
Staff opt in
Staff activate the app or SMS access.
Drawdowns
Staff request funds — instant delivery, capped per policy.
Payroll settles
Drawn amounts recovered at next pay run.
About PayMaster.
- Is PayMaster considered lending under the NCR?
- No. It's early access to wages that have already been earned — it isn't a credit product, so NCR credit rules don't apply.
- Does the employer pay for this?
- The standard employer-side cost is zero. Staff pay a small transaction fee per drawdown, disclosed upfront.
- Does it work if we already run our payroll ourselves?
- Yes — we integrate with common SA payroll systems and can support custom setups.
- How is this different from AppiaPro?
- PayMaster and AppiaPro solve the same problem — early access to earned income with automatic payroll repayment — but deliver it differently. PayMaster pays the drawdown into the employee's existing bank account by EFT, with no card issued. AppiaPro loads the drawdown onto a physical or virtual card we issue. Pick PayMaster when every employee already banks somewhere; pick AppiaPro when staff lack easy bank access or when you want the money to land on a controllable card.
Ready to see PayMaster for your business?
Talk to our team for a scoped quote — no obligation, no lock-in.
Ready to sort out your business payments?
Tell us a bit about your business and we'll get back to you within one working day.