How it works for Employers
How it works for Employees
1. Overview
Earned Wage Access allows eligible employees to access a portion of their earned salary before the normal payday.
This service provides access to wages already earned and due to the employee.
- This is not a loan
- No interest is charged
- No credit checks are performed
All amounts accessed are earned remuneration made available by the employer.
AskMandla facilitates access to these funds and does not provide credit or act as a lender.
2. Eligibility
To qualify:
- You must be an active employee
- Your employer must be subscribed to AskMandla
- Your monthly salary must have been made available by your employer for this service
- You must agree to these Terms
AskMandla may decline requests if eligibility requirements are not met.
All amounts accessed through the Earned Wage Access service represent wages already earned by the employee and are made available and funded by the employer. AskMandla acts solely as a technology and payment facilitator, enabling access to these funds and processing disbursements on behalf of the employer. AskMandla does not provide loans, advances, or credit, and at no point assumes the role of a credit provider.
3. Access Limits
- You may access up to 25% of your net monthly salary in total per month
- Maximum of 2 requests per month
- The total accessed may not exceed 25% of your net monthly salary
- No unused balance carries forward
Example:
If your net salary is R3,000, the maximum available for the month is R750 in total.
4. Fees
Access to earned wages is free of charge.
Fees charged relate solely to the administration, processing, and disbursement of payments, including third-party payment costs. These fees are not charged for access to funds and do not constitute interest or a charge for the deferment of payment.
Each withdrawal includes:
- A 2% service fee (administration and processing)
PLUS - A transaction fee based on the selected payment method
Standard Processing (24-hour payment)
- R6 transaction fee for withdrawals of R200 or less
- R10 transaction fee for withdrawals above R200
Express Processing (Immediate payment)
- R15 transaction fee for withdrawals of R200 or less
- R25 transaction fee for withdrawals above R200
Transaction fees vary based on payment method, processing costs, and third-party payment infrastructure.
All fees will be clearly disclosed and must be accepted before payment is processed.
Example (R750 – Standard processing):
2% service fee = R15
Transaction fee = R10
Total fee = R25
Total deduction on payday = R775
Example (R750 – Express processing):
2% service fee = R15
Transaction fee = R25
Total fee = R40
Total deduction on payday = R790
All fees are disclosed prior to confirmation and require user acceptance
5. Salary Deduction
By requesting and using the Earned Wage Access service, you provide your explicit consent for the deduction of:
- The amount of wages accessed; and
- All applicable service and transaction fees
from your salary.
Such deductions will be made:
- In the same payroll month in which the access occurred; and
- In accordance with Section 34 of the Basic Conditions of Employment Act
All deductions will be clearly itemised on your payslip.
- No amounts will roll over into a subsequent month
If your employment ends before payday, you consent to the deduction of all outstanding amounts from your final salary, subject to applicable law.
6. Not Credit
Earned Wage Access does not constitute a credit agreement as defined in the National Credit Act.
This service enables employees to access wages already earned and due, where such wages have been made available by the employer.
- No interest is charged
- No fee is levied in exchange for early access to wages
- No fee is linked to the deferment of payment
Any fees charged relate solely to payment processing and administration.
7. Data Protection
AskMandla processes personal information in accordance with the Protection of Personal Information Act (POPIA).
Personal information will only be used for the purposes of providing this service and will be handled securely and lawfully.
8. Changes
AskMandla may update these Terms at any time. Updated terms will be published on the Knowledge Base.
Continued use of the service constitutes acceptance of the updated terms.
9. Governing Law
These Terms are governed by the laws of the Republic of South Africa.