Pay your team on time. Even when liquidity isn't.
Payvora's institutional funding partners advance earned wages directly to your employees — in fresh USD or LBP — so payday lands whether or not your cash is accessible. You settle later, in one reconciled invoice.
Fresh USD access for employees
Earned wages paid in the currency that holds its value.
Bypasses local liquidity constraints
Capital comes from our funding partners, not from deposits you can't move.
Protects payroll continuity and your credibility
Salaries arrive on time, every cycle, regardless of what the banking system is doing that month.
How Payvora works, in short
Four markets
Saudi Arabia, the UAE, Egypt, and Lebanon.
Four currencies
SAR, AED, EGP, and fresh USD.
No upfront capital
Advances are funded by our partners, never your treasury.
One invoice
Settled at the end of each payroll cycle.
The difference
Your employees get paid early. Your cash stays where it is.
Most earned wage access asks the employer to fund advances out of working capital. Payvora doesn't. A network of regulated banking and institutional partners provides the capital, so early access costs your business nothing until settlement.
Your employee requests their earned wages
Through the Payvora app, an employee draws from wages they have already earned this cycle — never future pay. Limits, caps, and approval rules are set by you.
Our funding partners advance the money instantly
Regulated financial institutions and institutional investors fund the payout directly. Money reaches the employee's account in minutes. Not one riyal leaves your accounts.
You settle once, at the end of the cycle
On payday, you settle the total advanced plus a nominal fee — a single reconciled invoice that matches your payroll deductions line for line. No lending. No interest. No debt on either side.
Zero cash flow impact. Zero payroll disruption. One invoice.
The Payvora ecosystem
One platform, three clear wins
A benefit your people use, that your CFO never feels.
Offer on-demand pay without provisioning capital, changing banks, or rebuilding payroll. Payvora integrates with your existing cycle, enforces the access limits you set, and settles in a single reconciled invoice. Retention improves. Working capital doesn't move.
Your money, the day you earn it.
Rent doesn't wait for payday, and neither should you. Access wages you've already worked for, transferred to your account in minutes, for a fixed, transparent fee. No interest. No debt. No penalties. Ever.
Reach salaried customers at the moment they have money.
Payvora employees unlock earned wages and spend them with partner merchants. You're paid immediately by our financial partners, carry no credit exposure, and reach verified, employed customers with exclusive offers at the exact moment their funds land.
Built on regulated financial infrastructure.
Payvora is engineered to the standards MENA regulators and enterprise finance teams expect — because the money moving through it belongs to people who cannot afford for it to go wrong.
Backed by regulated institutions
Advances are funded by licensed banking and institutional partners, not by pooled consumer deposits or your balance sheet.
Bank-grade security
Encryption in transit and at rest, segregated tenant data, immutable audit logging on every transaction, and least-privilege access controls throughout.
Regulator-aligned by market
Built to operate within the frameworks set by the region's central banks, including SAMA in Saudi Arabia and the CBE in Egypt, and to work alongside wage protection systems such as WPS in the UAE.
Sharia-aligned by design
No Riba, no debt, no compounding, no penalties. Employees access money they have already earned, and fees are fixed and disclosed upfront — never a percentage of the advance.
Ready to offer on-demand pay without funding it?
See how the funding model works against your own payroll cycle. Setup takes under 48 hours and costs you no working capital.