Frequently Asked Questions

If these don’t answer your question, contact us and we will make sure to get back to you right away.

FAQs

For Employers

How does SmartWage integrate with payroll?

We have an already-built API integration for Sage 300 and other payroll providers (Payspace etc), meaning we can push and pull data automatically. We also provide .csv files at cut-off to manually upload and reconcile if integration is not desired (i.e. one upload per payroll cycle to net-settle employees).

What data security ensures the safety of our data?

We are fully POPI compliant. We follow strict data security protocols and we are only allowed to use employee data for the purpose it was intended for, which is to make payments of salaries.

What if an employee’s cell number changes?

An employee can message the SmartWage WhatsApp line from the number they’re changing to and it will ask them to confirm their ID Number and bank account details. Once you have done so, their number will change automatically.

How long does it take to onboard with SmartWage?

Once we have the required employee data we can have you set up on the SmartWage system in 48 hours and depending on the number of employees we can complete a full employee onboarding and training within 2 weeks.

For on demand pay, who funds these advances?

SmartWage has a cash float to provide the advances directly to employees over the course of the month. At the end of the month, we provide reconciliations and invoices to collect the funds advances from you.

Does on demand pay not get employees into a worse debt spiral?

80% of South African employees can’t make it to the end of the month without taking on some form of debt. We solve this problem.
We are 10 times cheaper than any payday lender on the market.
We have a responsibility limit of 25%, meaning employees can only access up to 25% of what they have already earned.
We offer a comprehensive financial education solution at no cost to employees.
SmartWage is a security blanket for employees to start taking control of their finances and avoid high interest lenders

How do employers use SmartWage to deliver payslips to their employees?

Every paycycle the employer transfers payslips to SmartWage via an API or semi-automated integration system. SmartWage then uploads payslips onto the employer dashboard for distribution to the users. The payslips are then matched with the employee's profile by parsing the ID numbers from each PDF with the corresponding ID number on file.

How does an employer manage leave requests from employees using SmartWage?

The employer transfers employee leave data to SmartWage through an API or semi-automated integration system. Employers can then manage employee leave requests over the course of the month. At month end, the relevant leave cycle data is fed back into the employer's payroll and employee leave balances are adjusted accordingly.

FAQs

For Employees

Do I need an email address to access the announcements from my employer?

No, once your SmartWage profile is active on WhatsApp, you will receive all the relevant announcements sent by the company.

Can I access my company announcements or surveys if I don’t have WhatsApp?

No, you can only access announcements and surveys through the SmartWage WhatsApp channel.

How can I view my leave balance?

Once you have registered for free with SmartWage,  you can access your leave balance and apply for leave via the SmartWage Whatsapp line (option 7). 

Can I request multiple payslips at once?

At the moment, you can only request a payslip for that current month.

How much does it cost to use SmartWage?

Accessing payslips, leave and announcements through SmartWage is free for employees.

For on demand pay, SmartWage charges a once-off fee of R5 PLUS 2.95% per withdrawal. For example - if you take an advance of R100, you only pay R8 (R5 + {2.95% * R100}). There are no hidden fees and registering is free. 

For on demand pay, can I get paid into any bank account?

No. The money will only be paid into the bank account your employer pays your monthly salary into

For on demand pay, how long does it take to get the money?

Withdrawal requests made before 3:00pm on weekdays will be paid the same day. Requests after 3pm on weekdays will be paid the next business day. All weekend requests will be paid on Mondays.

Does using SmartWage impact my credit score?

No. SmartWage is not a lending service, there’s no impact on your credit score.