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For Employers

What is real-time remuneration?

Staff Retention

Multiple research studies show in-house Early Wage Access flexibility improves staff retention by up to 19%.


Studies also show that offering in-house EWA helps you fill vacancies 27% faster – up to 8 days quicker.


Staff are not stressing about money, they are more focussed, productive and much less likely to take sick leave.

Protect Staff

Offering your staff access to CashD protects them from the perils of unscrupulous, high-priced pay day lenders.


CashD plugs safely and securely into your payroll system, so you can spot churn potential before it becomes an issue.

Real-time remuneration compared to payday loans, cash advances and other options.

Employees have a number of options available to them when they require immediate access to cash based on their pay cycles.

Cash loan operators such as Nimble, Wallet Wizard etc. typically have a comparison interest rate (APR) of 40% and upwards, depending on the loan terms and amount, and typically charge a large up-front establishment fee based on a percentage of the loan.

Step 1

Get In Touch & Register Your Business

Step 2

Integrate your system

Step 3

Invite your employees

Step 4

Manage your payroll

Got questions? We have answers.

Are there any tax implications of withdrawing a portion of payroll early?

The use of CashD does not have any direct tax implications for the employee or business, as all early withdrawals requested by employees are transacted net of tax and there are transaction limits. However, each client has specific tax obligations and should seek legal advice prior to engaging with CashD.

How often can the employees use CashD?

An employee can see the current balance on the CashD App dashboard and will be able to draw on the newly earned pay after each day worked.
Note that our recommendation is that up to 50% of accrued wages should be available for withdrawal.

Why should employees only access a percentage of their earned wage?

CashD strives to provide responsible and ethical financial well-being services. The percentage can be set in the Commercial Agreement with the employer. This percentage can vary based on trial and adoption rate.

How long does it take to set up a CashD account for employees?

Where a employer is utilising a payroll or accounting system already integrated into CashD, the typical time for deployment is a few weeks after the commercial agreement is agreed. For employers requiring customisation, it may take a little longer.

Who can use CashD?

During the registration process the employer has full control of who gets invited to the CashD App. The employer also controls the transaction amount and daily limits.

Is CashD secure?

During the registration process the employer has full control of who gets invited to the CashD. All of the employer and employee data is encrypted and hosted in the cloud (at rest and in transport). CashD has ISO27001 accreditation and a certified penetration testing program in place.

Does CashD support workers on timesheets?

Yes. CashD integrates with timekeeping solutions to enable the release of accrued pay based on approved time worked.

Can employees change personal details within CashD?

No, the information shared with CashD is a mirror of the Payroll/ workforce management or HR software. This information is integrated and is not altered within CashD.

When will employees receive their funds?

When an employee makes a withdrawal, CashD instantly sends their cash to their bank account (just like an “Osko” payment).

Can employees use the CashD App on the weekend?

Yes, the employee can use CashD to withdraw accrued pay anytime, 24/7.

How does CashD recover the withdrawn funds?

CashD integrates a deduction file process before each pay run to reconcile the withdrawals made by employees. This process will be reviewed and agreed between CashD and the employer based on the payroll solution.

What business models do CashD offer?

CashD has a range of fexible models for employers based on their requirements. These can include an employer pays option, employee pays option, a transaction fee based on a percentage of money withdrawn, a fixed transaction fee or a monthly subscription fee per employee. These options are discussed and agreed when the commercial agreement is established. Typically CashD charges a transaction fee of 5% of the funds withdrawn.