PayCurve

Founded
2020 in Johannesburg, South Africa.

Founders & Leadership
PayCurve’s leadership includes co‑founders and executives focused on delivering earned wage access and financial wellbeing solutions, with Tamir Sacks noted as CEO in public profiles.

Location
Johannesburg, Gauteng, South Africa (16 Fricker Road, Illovo).

Industry
FinTech / Earned Wage Access / Employee Financial Wellness — providing tools that help workers manage cash flow between paychecks and avoid predatory credit options.

Overview
PayCurve is a financial technology platform that enables employees to access a portion of their already earned wages before payday, helping them manage unexpected expenses and avoid high‑cost short‑term credit. It integrates with employer payroll systems to calculate how much an employee has earned and allows responsible, data‑driven access to wages.
In addition to earned wage access (EWA), PayCurve offers gamified financial education, smart savings solutions, and tailored debt support tools designed to build financial literacy and long‑term stability among employees.
PayCurve is increasingly adopted by companies as a workforce benefit that can improve employee wellbeing, retention and productivity without costing the employer anything upfront.

Core Features & Capabilities
Earned Wage Access (EWA): Employees can withdraw part of their accrued salary anytime before payday to cover cash‑flow gaps.
Payroll Integration: Works seamlessly with existing payroll systems (e.g., Deel Local Payroll), automating earned wage availability and deductions.
Gamified Financial Education: Interactive lessons and tools to improve budgeting and money‑management skills.
Smart Savings: Automated savings plans—deducted from salaries and invested for returns—to support financial security over time.
Responsible Financial Support: Assessments and tailored debt‑intervention programs to help employees reduce reliance on expensive credit.

Target Market
Employees across sectors who struggle with cash flow between pay periods.
Employers & HR teams looking to improve financial wellbeing benefits without added cost or payroll disruption.
Workforces in South Africa initially, with potential future expansion into other African regions.

Value Proposition
Financial flexibility: Helps workers access funds they’ve already earned without resorting to high‑interest credit.
Employee wellbeing: Combines wage access with financial education and savings tools to foster long‑term stability.
No employer cost: Free to integrate for employers; fees apply only when employees access earned wages.
Seamless integration: Syncs with payroll and automates reconciliation with minimal administrative overhead.