Move money onto cards — for anyone you need to pay.
Wages, stipends, rewards, expense budgets and corporate spend — issued onto Appiawave cards and spendable immediately. No bank account required for recipients.
What's inside cards & payouts.
Products you can activate on their own, or combine as your business grows.
AppiaStaff
Pay wages onto a card, not a bank account.
- Onboard staff without proof-of-bank
- Instant payouts on payday, including weekends
- Works for informal, contract and full-time workers
- Recipients spend anywhere Mastercard is accepted
AppiaSpend
Controlled expense cards for teams.
- Set per-card limits and merchant categories
- Freeze, replace or top up in one click
- Full spend reporting in the Nexus dashboard
AppiaReward
Incentives and bonuses, delivered instantly.
- Bulk issue reward cards for staff or customers
- Preload once, top up whenever you like
- Redeemable in-store and online
AppiaCloud & AppiaPro
Corporate spend for larger businesses.
- Departmental budgets and approval flows
- Virtual and physical card issuance
- Consolidated statements for accounting
What changes for your business.
No more cash payroll headaches
Stop drawing bulk cash on payday. Fund one Appiawave account, we distribute to every card.
Reach staff banks won't
Foreign nationals, undocumented earners and rural staff all get spendable money the same day.
See every rand you issue
One dashboard shows what's loaded, spent and available across every card you've issued.
Not quite the match? Try the two-question guide.
The Find Your Solution tool takes about 20 seconds and recommends a specific product for how your business actually operates.
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.