FAQs

General

Paywatch is a financial services provider that works with employers and major banks to provide employees instant access to their earnings. If employees have worked even one day, our system allows them to get paid up to 50% of their salary immediately, rather than having to wait till payday.
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.
Yes, Paywatch is applicable to both Malaysian and foreigner who are currently employed with a registered employer in Malaysia.
The maximum amount that can be withdrawn at any given time is the earnings that a user has already worked for and accumulated (this will be stated on the Paywatch app). On a monthly basis, users can withdraw up to 50% of their monthly salary.
We are not lenders and the earned wage access is enabled through micro-financing provided by our bank partner directly to the user.

Getting started

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.
No, employee accounts need to be connected with their employer in order to use Paywatch. If your employer is not currently signed up with Paywatch, share your details with us here and we will reach out to your employer.
Employment binding process is typically instant after we have obtain all the relevant information from your employer. However it may differ between employer to employer if we are not able to obtain your employment information in advance.
Android: Any phones with version 5.0 and above
iOS: Any phones with iOS 10 and above
Only ONE valid ID (Mykad/Army/Passport) for ONE Paywatch account.

Using Paywatch

Paywatch is completely free for employers. Employees pay a small one-off transaction fee per withdrawal. There is no interest charged.
No, if they are already using their company’s work attendance system, Paywatch will use that information to accumulate their earnings daily. However, employers may choose Paywatch’s check in and check out feature to manage work attendance.
Users will receive these in the bank account that they have entered on the Paywatch app. Users should ensure the account belongs to them to receive their withdrawals and salary.
The withdrawal request will be processed within 2 working days.
Users will receive their month end salary on the same date as they have been receiving it currently. There will not be any changes in the salary cycle.
Users can be withdraw at any time the earnings they have already worked for and accumulated (this will be stated on the Paywatch app). The withdrawal request will be processed within 2 working days.