Transparent. No surprises.

Frequently asked questions

Is PayDay a loan?

No. The wages you access through PayDay are wages you have already earned — they are yours. We move the timing forward and charge a transparent service fee. There is no credit extended, no debt created, and no repayment schedule.

Is PayDay a payday lender?

No — despite the name. "PayDay" refers to your payroll cycle, not to payday lending. There is no credit extended, no interest charged, and no debt created. It is a service that brings earned wages forward, with a fixed fee shown before you confirm.

Is PayDay Shariah-compliant?

Yes. PayDay uses the Murabaha model — a transparent service fee, not interest. The fee is fixed at confirmation, disclosed before you accept, and doesn't grow over time. The model is approved by Shariah scholars and reviewed on an ongoing basis.

Why isn't this riba?

There is no lending involved. You are accessing wages that are already yours — wages you have worked for and that your employer owes you. The service fee covers the service of early access, not the time value of money. That structural distinction — a transparent service fee rather than interest on borrowed money over time — is what makes the Murabaha model Shariah-compliant.

Will using PayDay affect my credit?

No. PayDay never reports to any credit bureau. Using the platform — or not using it — has no effect on your credit file.

Can my employer see how I use PayDay?

Your employer sees payroll-relevant information: how much you accessed and when, so they can deduct correctly at the end of the cycle. They do not see the reason for any individual request. Your personal reasons for using PayDay are not visible to your employer.

Is my data protected under PDPL?

Yes. Data residency, employee consent, and individual data rights are aligned with the Personal Data Protection Law. Consent is managed within the platform, and employees have visibility into how their data is handled.

How fast does the money arrive?

Usually within minutes of approval, on the disbursement rail your employer has set up. The exact timing depends on the payment infrastructure in place, but most employees see the funds in their account the same session they confirm the request.

What if I leave my job?

Final settlement is handled with your final paycheck. Any outstanding accessed amount is deducted as part of your end-of-service settlement. Nothing carries over to a future employer or creates an external balance.

How long does onboarding take?

Typically one to two weeks from KYB approval to live rollout. Timeline depends on integration approach — a CSV-based setup is faster than a direct HRMS integration.

Can we pilot PayDay with one department first?

Yes. Policies can be set at the department level or grade level and rolled out to additional groups incrementally. A department-scoped pilot is a straightforward configuration — no separate environment required.

Is there a minimum employer size?

No fixed minimum. The platform is built to work from small employers upward, and the policy configuration tools are the same regardless of headcount.