Our Story
We created CIXOR to change the invisible rules of money, rules that say you can only be paid on a predetermined date.
Too many people across the world are forced to stretch a paycheck over weeks while living in a world of daily expenses. We know most employees globally live paycheck to paycheck. Many have no emergency buffer. Some rely on predatory loans.
We knew there had to be a better way.
So we built CIXOR PayDay, a scalable, inclusive solution that brings dignity and liquidity into wage earning.
And now, CIXOR PayDay is rapidly on its way to becoming the gold standard for fair, instant, and intelligent access to wages.
Rewriting the Rules of Payroll Cycles
Whether it’s for a vacation, a child’s school payment, a sudden health issue, or you simply want to avoid late fees, life doesn’t wait for you to get your next paycheck.
Plan ahead with real-time wage visibility
Actively manage your personal finances
Handle emergencies without falling into debt
Reduce financial anxiety from life’s uncertainties
A Global Payment Platform For Financial Change
At CIXOR, we are driven by one goal: to improve the financial wellbeing of people everywhere.
From rural Philippines to the streets of São Paulo, financial stress is silently undermining productivity, mental health, and work performance. We’re enabling digital infrastructure to help ease that burden.
For employers, this means:
– Increased employee retention
– Stronger employee loyalty
– A measurable uplift in performance and retention
” What we have built accommodates all forms of employment. Whether it be full-time, part-time, flexible, gig, or contract, you name it, CIXOR PayDay supports it across regions and industries. “
– Kutila Pinto, Founder & CEO of CIXOR (Pvt) Ltd
Current Features
1. Faster Onboarding
Your CIXOR account will be your companion throughout your career, thanks to the app’s ability to connect with all your CIXOR-registered employers.
2. Connect Through Your Employer’s Wage Token
Sign up seamlessly by using a token issued by your employer to activate PayDay access.
3. View Your Earned Wage Balance
View your earnings in real time as you work, giving you full transparency and trust with your employer.
4. Withdraw Your Earned Wages
Access your earned wages whenever you want, wherever you want*, after all, its your money!
5. Flexible in-app Wallet and Bank Account Integration
Withdrawals are credited into your in-app wallet, which can then be flexibly transferred to your own registered bank accounts or to another PayDay user.
6. View Your Transaction History
Users have access to their entire earned wage withdrawal transaction history within the app, allowing for more informed financial decisions with the added benefit of transparency.
7. Safety & Security Prioritized
CIXOR has been designed with the intention of uplifting one’s financial well-being. To that end, the app is designed with various security controls to keep your income safe and secure.
1. වේගවත් ඇතුළත් වීම
වේගවත් ඇතුළත් වීම
ඔබේ CIXOR ගිණුම ඔබේ වෘත්තීය ජීවිතය පුරාම ඔබේ සහකරු වනු ඇත, ඔබේ සියලුම CIXOR-ලියාපදිංචි සේවා යෝජකයින් සමඟ සම්බන්ධ වීමට යෙදුමට ඇති හැකියාවට ස්තූතිවන්ත වන්න.
2. ඔබේ සේවායෝජකයාගේ වැටුප් ටෝකනය හරහා සම්බන්ධ වන්න
PayDay ප්රවේශය සක්රිය කිරීම සඳහා ඔබේ සේවායෝජකයා විසින් නිකුත් කරන ලද ටෝකනයක් භාවිතා කිරීමෙන් බාධාවකින් තොරව ලියාපදිංචි වන්න.
3. ඔබේ උපයන ලද වැටුප් ශේෂය බලන්න
ඔබ වැඩ කරන අතරතුර ඔබේ ඉපැයීම් තථ්ය කාලීනව බලන්න, එමඟින් ඔබේ සේවායෝජකයා සමඟ ඔබට පූර්ණ විනිවිදභාවයක් සහ විශ්වාසයක් ලබා දේ.
4. ඔබේ උපයන ලද වැටුප් ආපසු ගන්න
ඔබට අවශ්ය ඕනෑම වේලාවක, ඔබට අවශ්ය ඕනෑම තැනක* ඔබේ උපයන ලද වැටුප් වෙත ප්රවේශ වන්න, සියල්ලට පසු, එය ඔබේ මුදල්!
5. නම්යශීලී යෙදුම-තුළ මුදල් පසුම්බිය සහ බැංකු ගිණුම් ඒකාබද්ධ කිරීම
මුදල් ආපසු ගැනීම් ඔබගේ යෙදුම-තුළ මුදල් පසුම්බියට බැර කරනු ලැබේ, පසුව එය ඔබගේම ලියාපදිංචි බැංකු ගිණුම් වෙත හෝ වෙනත් PayDay පරිශීලකයෙකුට නම්යශීලීව මාරු කළ හැකිය.
6. ඔබගේ ගනුදෙනු ඉතිහාසය බලන්න
පරිශීලකයින්ට යෙදුම තුළ ඔවුන්ගේ සම්පූර්ණ උපයාගත් වැටුප් ආපසු ගැනීමේ ගනුදෙනු ඉතිහාසය වෙත ප්රවේශය ඇති අතර, විනිවිදභාවයේ අමතර ප්රතිලාභය සමඟින් වඩාත් දැනුවත් මූල්ය තීරණ ගැනීමට ඉඩ සලසයි.
7. ආරක්ෂාව සහ ආරක්ෂාව ප්රමුඛත්වය දී ඇත
CIXOR නිර්මාණය කර ඇත්තේ කෙනෙකුගේ මූල්යමය යහපැවැත්ම නංවාලීමේ අරමුණින් ය. ඒ සඳහා, ඔබේ ආදායම සුරක්ෂිතව තබා ගැනීම සඳහා යෙදුම විවිධ ආරක්ෂක පාලනයන් සමඟ නිර්මාණය කර ඇත.
1. வேகமான பதிவு
உங்கள் CIXOR கணக்கு – உங்கள் தொழில் வாழ்நாள் முழுவதும் உங்களோடு இருக்கும்.
2. உங்கள் நிறுவனத்தின் Wage Token மூலம் இணைக
உங்கள் நிறுவனத்திலிருந்து கிடைக்கும் Token-ஐ பயன்படுத்தி, எளிதாக PayDay-ஐ செயல்படுத்துங்கள்.
3. சம்பள தொகையை உடனுக்குடன் பாருங்கள்
நீங்கள் வேலை செய்கிறபோதே உடனடி வருமான நிலையை காணலாம்.
4. சம்பாதித்த சம்பளத்தை எப்போது வேண்டுமானாலும் பெறுங்கள்
உங்கள் சம்பளம், உங்களுக்கு தேவையான நேரத்தில், தேவையான இடத்தில் – ஏனெனில் அது உங்கள் பணம்!
5. App Wallet மற்றும் வங்கிக் கணக்கு இணைப்பு – உங்கள் வசதிக்கேற்ப
அங்கிருந்து, உங்கள் வங்கிக் கணக்கிற்கோ அல்லது மற்றொரு PayDay பயனருக்கோ எளிதாக அனுப்பலாம்.
6. உங்கள் பரிவர்த்தனை வரலாற்றைப் பாருங்கள்
உங்கள் சம்பளத் தொகை திரும்பப்பெறுதல் வரலாற்றை முழுமையாக பார்க்கலாம்.
7. பாதுகாப்பு & நம்பகத்தன்மை
CIXOR – உங்கள் நிதி நலனை பாதுகாக்க உருவாக்கப்பட்டது.
உங்கள் வருமானத்தை பாதுகாப்பாகவும் நம்பகமாகவும் வைத்திருக்க பல பாதுகாப்பு கட்டுப்பாடுகள் உள்ளன.
Our Partners
Here are a few of our partners who make this journey a success. We are glad to share that more and more companies are joining us to bring financial freedom to their staff.
About CIXOR PayDay
The CIXOR PayDay App is designed to give employees financial freedom and full control over their earned wages. But we didn’t stop there; rather than being just a wage access tool, we designed CIXOR PayDay to be a holistic financial wellness companion.
Withdrawals are funded through our liquidity partners, which means no cashflow impact to employers
Our platform integrates with global and local payroll, time-tracking, and HR systems
Open banking and wallet connectivity enable near-instant access to earned wages
Experience the New Standard in On-Demand Pay
Whether you’re an enterprise, SME, or startup, CIXOR delivers measurable benefits:
Employers – Higher productivity & retention – Healthier company culture – Reduced operational friction
Employees – Control over pay – Readiness for emergencies – Freedom from debt traps – Less financial stress, more peace of mind
