FAQs for Employers

What is CIXOR PayDay?

CIXOR PayDay is a globally scalable fintech solution developed by CIXOR (Pvt) Ltd to empower employers and employees through real-time Earned Wage Access, liquidity tools, and embedded financial services. We operate across multiple markets with local integrations and regulatory alignment.

EWA enables employees to access a portion of their already-earned wages before the standard payday. It provides financial flexibility and reduces the need for high-interest loans or payday lending.

No. CIXOR PayDay is not a loan. Employees only access wages they’ve already earned. There’s no interest, no debt, and no credit checks involved.

Payday loans are high-interest, short-term credit products that often trap users in cycles of debt. CIXOR, on the other hand, gives employees access to their earned income on demand — without interest, without penalties, and with full transparency.

Absolutely not. CIXOR is not a credit solution. It’s a payroll-adjacent benefit that allows employees to draw down their earnings as they accrue, without employer liability or lending implications.

Getting started is easy. Book a discovery session with our team. We’ll assess your payroll setup, configure your environment, and guide you through implementation.

In most jurisdictions, CIXOR wage advances are treated as pre-payroll draws, not loans or income events. We work with your finance team to ensure compliance with local tax and accounting laws.

You can choose to sponsor the service (as a benefit), share the cost, or offer it employee-funded. The platform is flexible to suit enterprise, SME, or franchise models.

Integration is seamless. CIXOR connects with most global payroll, HRIS, and time-and-attendance systems via secure APIs. For non-integrated environments, we provide lightweight HR modules.

There is minimal risk. You don’t fund the early wage withdrawals — we do. You maintain full control through configurable limits and dashboards. Your only obligation is to deduct any usage from payroll on the next cycle (which is automated by our system).

CIXOR PayDay App – FAQs for Users

Getting Started

How do I register for the app?

You can register using a secure token provided by your employer. This ensures your wages are linked directly to your workplace. Once registered, you’ll set your PIN and password for secure access.

Yes! You can still download the app, explore budgeting tools, and track your earnings manually. You’ll also be able to send your employer a referral request directly through the app.

Earned Wage Access

What is Earned Wage Access (EWA)?

It’s the ability to access the money you’ve already earned before payday. With CIXOR PayDay, you can instantly withdraw a percentage of your earned wages — set by your employer — anytime you need it.

No. CIXOR PayDay is not a loan. It’s your money, your earnings. There’s no interest, no debt, and no credit checks.

Your employer sets the withdrawal percentage (e.g., 50%, 75%, or 100% of earned wages). The app will display your exact available balance in real time.

When payday comes, your employer’s payroll will simply deduct the amount you’ve already accessed. The rest of your salary is paid as usual.

Wallet & Payments

What is the CIXOR PayDay Wallet?

The wallet is where your withdrawn wages are credited. From here, you can:
• Transfer funds to your bank account
• Send money to another CIXOR PayDay user
• Pay bills and merchants via QR Pay

Yes! You can transfer funds directly to another CIXOR PayDay user’s wallet or to any linked bank account.

QR Pay lets you pay bills or make purchases by scanning a QR code at participating merchants. You can also receive payments from others using your own QR code.

Security & Access

Is my money safe in the app?

Yes. CIXOR PayDay uses bank-grade security with 256-bit encryption, ISO 27001 certification, and two-factor authentication (2FA).

No problem! You can reset your password or PIN directly from the app using OTP verification.

Your account is protected with multi-layer authentication. Simply log in from another device and reset your credentials, or contact support immediately.

Upcoming Features

What’s coming next to the app?

CIXOR PayDay is continuously evolving. Soon you’ll have access to:
• Financial Health Dashboard: Track income, expenses, and debt in one place.
• Pre-approved loans & wage advances: Based on your financial health score.
• Insurance, lending, and investment options: Tailored offers to improve your financial wellbeing.
• Tier Rewards: Exclusive discounts in health, travel, and education.

Costs & Fees

Do I pay to use CIXOR PayDay?

You only pay a small, transparent fee based on the applicable flat percentage ‘%’ applicable to your country when you use the service. There’s no subscription, no hidden charges. If you don’t use it, you don’t pay.

Absolutely. While payday loans can cost up to 400% APR and credit cards charge 20%+, CIXOR charges a flat percentage ‘%’ applicable to your country when you use the service. This fee ensures that all users are equally treated and funders who supports the funds pool available to honour your wage access requirements are rewarded for their commitment. More importantly, the fee payable compared to the service and the ability to access your own wage when it is most needed is an absolutely amazing return on the cost.

Support

How do I get help if I need it?

You can reach our global support team directly from the app via live chat or email. Support is available in multiple languages and time zones.

Yes! Soon, CIXOR PayDay will include a “Speak to Us About Your Finances” feature to connect you with real advisors who can guide you on budgeting, debt management, and financial planning.

Still Have Questions?

Feel free to contact us and our team will be happy to help.