FAQ
Frequently asked questions
Everything you need to know about Payvora and earned wage access. Can not find what you are looking for? Get in touch.
General
What is earned wage access (EWA)?
Earned wage access allows employees to access a portion of their already-earned wages before the traditional payday. Unlike a loan, EWA only provides access to money the employee has already earned through their work. The accessed amount is then deducted from their next paycheck.
Is Payvora a loan or lending product?
No. Payvora is not a loan, credit facility, or lending product. Employees are accessing wages they have already earned. There is no interest, no debt, no penalties, and no compounding. The only cost is a flat 10 fee for instant transfers.
Is Payvora Sharia-compliant?
Payvora is Sharia-aligned. Since employees are accessing their own earned wages (not borrowing), there is no riba (interest) involved. The flat service fee for instant transfers is a transparent, fixed charge — not interest. There is no lending, no debt creation, and no penalties for late payment because there is nothing to repay.
Where does Payvora operate?
Payvora is built specifically for the Saudi Arabia market. All transactions are denominated in SAR, and the platform is designed to align with Saudi labor regulations and cultural expectations.
For Employers
How much does Payvora cost employers?
Plans start at 15 per employee per month for the Starter plan. There are no setup fees, no integration costs, and no hidden charges. See our pricing page for a full comparison of plans.
How long does it take to set up?
Most employers go live in under 48 hours. The process is simple: create an account, configure your EWA policy (access cap, withdrawal limits, etc.), and upload your employee roster via CSV. No API integration or IT project is required.
Do I need to change my payroll process?
Minimally. At the end of each payroll cycle, Payvora provides a settlement report showing the total amount each employee has withdrawn. You simply deduct these amounts from their paychecks. The report is available as a CSV download for easy import into your payroll system.
Can I control how much employees can access?
Yes. Employers have full control over their EWA policy, including: the access cap percentage (10-50% of earned wages), maximum number of withdrawals per cycle (1-10), minimum withdrawal amount, and approval mode (auto-approve or manual review).
What happens if an employee leaves the company?
When an employee is deactivated in Payvora, they can no longer make new withdrawal requests. Any outstanding withdrawals are settled in the final paycheck as part of normal settlement.
For Employees
How much of my salary can I access early?
The amount depends on your employer's policy, but typically up to 40% of your earned wages for the current pay cycle. The exact available amount changes daily based on how many days you have worked in the current cycle and any previous withdrawals.
What does it cost me to use Payvora?
Standard transfers are completely free. If you choose instant transfer (money arrives immediately), there is a flat 10 fee per transaction. There are no other charges — no interest, no monthly fees, no hidden costs.
How fast do I get my money?
Instant transfers arrive in your bank account immediately after approval. Standard transfers are processed within the same business day. The speed also depends on whether your employer has enabled auto-approve or manual approval.
What is the minimum withdrawal amount?
The default minimum withdrawal is 100, though your employer may set a different minimum. You can check your available balance and limits in the employee portal.
How does this affect my paycheck?
Any amounts you withdraw through Payvora are deducted from your next paycheck. For example, if your monthly salary is 8,000 and you withdrew 1,000 during the cycle, your paycheck would be 7,000 (plus any applicable fees for instant transfers).
Security & Privacy
Is my data safe?
Yes. Payvora uses bank-grade encryption for all data in transit and at rest. We maintain strict data isolation between employers, implement complete audit trails, and follow industry best practices for information security.
Who can see my withdrawal history?
Your individual withdrawal history is visible only to you. Your employer receives aggregated settlement reports for payroll processing — they see the total to deduct from your paycheck, but your detailed transaction history remains private.
Does Payvora share my data with third parties?
No. Payvora does not sell, share, or provide your personal or financial data to any third parties. Your data is used solely for providing the earned wage access service.
Still have questions?
Our team is happy to walk you through everything. Request a demo and we will answer all your questions in person.
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