Your money, when you need it
Life does not wait for payday. With Payvora, you can access the wages you have already earned — anytime, from any device. No loans, no interest, no debt.
Not a Loan
This is your money — wages you have already earned by working. Payvora simply gives you access to it before the traditional payday. Zero interest, zero debt, fully Sharia-aligned.
Instant Access
Need funds right now? Choose instant transfer and the money lands in your bank account immediately. A flat 10 fee applies. Standard transfers are completely free.
Transparent & Simple
See exactly how much you have earned, how much you can access, and what any fees will be — before you confirm. No hidden charges, no surprises, no fine print.
Works on Any Device
Payvora's employee portal is mobile-first and works beautifully on phones, tablets, and desktops. Access your wages from wherever you are.
Safe & Secure
Bank-grade encryption protects your data. Your personal and financial information is never shared with third parties. Your employer only sees aggregated reports.
Track Your History
View your complete withdrawal history — dates, amounts, fees, and status. Stay on top of your finances with a clear view of every transaction you have made.
Getting Started
How to access your earned wages
Check with your employer
Ask your HR department if your company offers Payvora. If not, let them know about us — they can sign up at no cost.
Log in to your account
Once your employer enables Payvora, you will receive login credentials. Sign in from any device to see your available balance.
Request a withdrawal
Enter the amount you need (minimum 100), choose instant or standard transfer, review the details, and confirm. That is it.
Receive your funds
Instant transfers arrive immediately. Standard transfers process within the same business day. The withdrawn amount is simply deducted from your next paycheck.
Save Even More
Exclusive deals & gift card bonuses
Get exclusive employee discounts at your favorite Saudi stores. Withdraw your earned wages as gift cards and get up to 15% bonus value — pay 100, get 115 at Namshi.
14+
Saudi retailers with exclusive employee deals
15%
Maximum gift card bonus on selected merchants
Free
No extra cost — deals are included with your access
Common questions from employees
Is this a loan?
No. Payvora gives you access to wages you have already earned through your work. It is not a loan, there is no interest, and there is no debt. The withdrawn amount is simply deducted from your next paycheck.
How much can I access?
You can access up to the percentage your employer has set (typically 40%) of your earned wages for the current pay cycle. The exact amount updates daily based on how many days you have worked.
What does it cost?
Standard transfers are free. If you choose instant transfer, there is a flat 10 fee per transaction. That is it — no hidden fees, no interest, no penalties.
Is it Sharia-compliant?
Payvora is Sharia-aligned. There is no interest (riba), no lending, and no debt involved. You are simply accessing money you have already earned. The fee is a fixed service charge, not interest.
Does my employer see my withdrawals?
Your employer sees aggregated settlement reports for payroll purposes. They can see the total amount to deduct from your paycheck, but your individual transaction details are kept private.
What happens at payday?
Any amounts you withdrew during the pay cycle are deducted from your paycheck. For example, if your salary is 8,000 and you withdrew 1,000, you would receive 7,000 on payday.
Want Payvora at your workplace?
Ask your HR or payroll team about offering Payvora. It is free for employers to set up and takes less than 48 hours to go live.
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