Affordability assessment
The limit is set against each employee’s real position, so early access does not create the shortfall it prevents.
DataGnu / Products / Early Wage Access
Earned wage access for employees.
Employees draw pay they have already earned, before payday. No loan, no interest, and no cost to the employer.
How it works
How it works
01
Integrate
We connect to your payroll to establish earnings accrued to date. Eligibility is filtered at payroll level.
02
Assess
A data-driven assessment sets each employee a personal limit, inside the ceiling you configure.
03
Access
The employee requests earned pay from their phone and receives it. A small fee, disclosed upfront. No interest.
04
Reconcile
A deduction file lands in your portal each cycle and the amount is netted off the next payslip.
The platform
Financial wellbeing platform
Early access solves a timing problem. The rest of the platform addresses the underlying one.
Earned wage access
A portion of accrued salary, paid out in minutes. Not a credit agreement, so no interest and no rollover.
Learning hub
Short gamified lessons on budgeting, saving and spending, with a financial fitness score.
Savings that earn
A portion of pay goes straight from the payslip into an interest-bearing savings product.
Everyday essentials
Airtime, data, prepaid electricity, bill payments and fee-free necessity vouchers, bought in the app.
Credit visibility
Free credit score checks. Most employees have never seen their own record.
Payslips & documents
Payslips, tax certificates and company documents from a phone, which empties the HR queue.
Debt support
Structured intervention and referral pathways for employees already under pressure.
Employer portal
Employer controls
Free to offer does not mean handed over. Your HR and payroll teams operate the controls.
Real-time activation
Activate or deactivate an employee immediately — same day, not next cycle.
Access parameters
Set the ceiling on accessible earned pay, and the rules for who qualifies.
Live usage data
Aggregate trends on drawdown patterns, stated reasons and training completion — anonymised, so you see the workforce picture without reading individuals.
Deduction & recon files
Retrieve the deduction and reconciliation file securely each cycle, formatted for your payroll rather than for ours.
Internal communications
Push notifications and messages to your workforce, including over WhatsApp — a channel that actually gets read on a factory floor.
Rewards distribution
Issue incentives, vouchers and recognition through the same app employees already have open, without standing up another benefits system.
Integration & reach
Payroll integration
| Area | How it works |
|---|---|
| Payroll integration | API synchronisation with your payroll, including Sage. Employee setup stays where it already lives. |
| Eligibility control | Filtering happens at payroll level, so HR keeps authority without a second admin surface. |
| Reconciliation | A per-cycle deduction file matched to payroll records, retrieved from the portal. One file, one netting entry, no manual adjustments. |
| Employee channels | iOS, Android, Huawei AppGallery and WhatsApp — much of the SA workforce is not on Google Play. |
| Data protection | Built to POPIA requirements, with consent capture, purpose limitation, retention rules and role-based access over employee financial data. |
| Funding | Advances are funded by us and recovered through payroll netting. No balance sheet exposure and no working capital impact for the employer. |
Employer benefits
- No business costThe service is free to the employer. No licence fee, no per-employee charge, no implementation invoice.
- No balance sheet exposureAdvances are funded by us and recovered through payroll netting. Your cash flow is unaffected.
- Fewer salary advancesThe informal lending and ad-hoc advance requests that quietly consume HR and finance time largely stop.
- Retention and attendanceFinancial stress is an absenteeism and attrition problem before it is a wellbeing one. This addresses it directly.
Employee benefits
- Not a loanNo interest, no credit agreement, no debt spiral. It is your own earned pay, earlier.
- Minutes, from a phoneRequest and receive without an application, a branch visit or a conversation with a manager.
- PrivateYour employer sees aggregate trends, not your individual drawdowns or the reasons behind them.
- A way out, not deeper inEducation, savings, credit visibility and debt support built alongside, so the next month is easier than this one.