Towards a better financial future
Empower employees to get paid as soon as they’ve worked. See greater employee retention and productivity.

When you’re paid matters
Employees regularly face cashflow issues between paychecks. The need to raise cash before payday leads to emotional and financial distress.

Borrowing from others is a common problem
88% of Malaysians* borrow from informal lenders when they need extra cash.

Difficulty preserving savings and retirement funds
90% of Malaysians* have needed access to emergency funds

No alternatives to high interest loans
An estimated 61% of Malaysians** cannot get a loan from their bank, forcing them to use expensive alternatives
*Survey by Pertama Digital Berhad among B40 & MSME operators in 2021
**Forbes article highlights estimations by consulting firm Oliver Wyman
Employee wellbeing is
good for business
Challenges in workforce management is costly in terms of time and resources spent as the economy rapidly changes. By giving financial freedom to employees, employers can attract, retain and sustain a productive and motivated workforce.

Reduce turnover rate

Increase workforce productivity

Reduce employee absenteeism

Let employees choose
when they get paid
If they’ve even worked one day, we let employees instantly access their earnings anytime. No need to wait for payday.

Work
Work as usual
Your worked hours will be accumulated on the app.
Track
Check your earnings
These have been converted from the hours you’ve worked.
Withdraw
Withdraw earnings anytime
You can withdraw up to 50% of what you’ve earned. This will be sent directly to your savings account.
Settle
Receive your remaining salary
On payday, we’ll send you an invoice of your salary and amount withdrawn for your confirmation.
Work
Work as usual
Your worked hours will be accumulated on the app.

Track
Check your earnings
These have been converted from the hours you’ve worked.

Withdraw
Withdraw earnings anytime
You can withdraw up to 50% of what you’ve earned. This will be sent directly to your savings account.

Settle
Receive your remaining salary
On payday, we’ll send you an invoice of your salary and amount withdrawn for your confirmation.
Hear what our community has to say
Get started with Paywatch today.
We’ll reach out to you

Media

July 26th 2022
Where did my money go? 5 side hustles to try and earn that extra ringgit.
Do you find yourself in situations of coming off just a tad short of a few ringgits for the things you’ve been eyeing for months? You even try and wait for a discount, but you still struggle to afford it. Fear not, the digitalised world is a place full of opportunities, especially for those looking to earn extra cash without pouring hours into a job.

July 13th 2022
Be smart with your money: 5 steps to live a more financially stable life
Ever wondered how a life would be like to have your needs covered with some excess money to spare? Well, there is no need to look any further than yourself. Financial stability is a proven way to bring you and your family to a future that is worth working hard for.

June 6th 2022
Rising above the competition in the EWA landscape
This is a golden opportunity to create a solution that bridges the cash flow gaps between paydays, adding financial benefits to an underserved market.

May 26th 2022
Re-Thinking Payday Should Be An Employee Wellness Priority For Malaysian Businesses
When you think of employee wellness, what initially comes to mind? Perhaps some physical wellbeing programmes, or various benefits that target emotional health and social activities. Since the onset of the Covid-19 pandemic, we would probably all identify mental health as a key priority, too – but what about financial health?
Your questions answered
Who is eligible to use Paywatch?
Companies registered in Malaysia and have a valid Business Registration Number and their employees who have signed up with Paywatch. Paywatch is available for both Malaysians and foreigners who are currently employed with a registered employer in Malaysia.
How do I sign up for Paywatch?
Employees:
Download the Paywatch app from your app store, register an account with your information. Your account will need to be connected with your employer in order to start accumulating your earnings. If your employer is not currently signed up with Paywatch, share your details with us here and we will reach out to your employer.
Employers:
Share your details with us here for us to reach out to you, or email us at bizsupport@paywatchglobal.com.
Is Paywatch offering loans?
We are not lenders and the earned wage access is enabled through micro-financing provided by our bank partner directly to the user.
Download the Paywatch app from your app store, register an account with your information. Your account will need to be connected with your employer in order to start accumulating your earnings. If your employer is not currently signed up with Paywatch, share your details with us here and we will reach out to your employer.
Employers:
Share your details with us here for us to reach out to you, or email us at bizsupport@paywatchglobal.com.
"I’ve been able to save more"
Since I started using Paywatch and stopped paying high interest rates to moneylenders for cash, I have been able to save more!
Gig worker
"I can pay my bills without taking on debt"
Due to my credit score, banks wouldn’t approve my personal loan applications. Now with Paywatch, I can pay my bills without taking on debt.
Customer service agent
"Gives me a sense of accomplishment"
I can see how much I’ve earned while working, which gives me a sense of accomplishment.
Barista
"I’ve been able to save more"
Since I started using Paywatch and stopped paying high interest rates to moneylenders for cash, I have been able to save more!
Gig worker
"I can pay my bills without taking on debt"
Due to my credit score, banks wouldn’t approve my personal loan applications. Now with Paywatch, I can pay my bills without taking on debt.
Customer service agent
"Gives me a sense of accomplishment"
I can see how much I’ve earned while working, which gives me a sense of accomplishment.
Barista
"I’ve been able to save more"
Since I started using Paywatch and stopped paying high interest rates to moneylenders for cash, I have been able to save more!
Gig worker