Pay people between paydays, safely
Earned wage access and staff loans with the controls a finance team needs: eligibility rules, one-time verification, automatic recovery from payroll, and a full record of every disbursement.
Savanna360 HR web workspace
What Employee Benefits gives you
Earned wage access
Employees draw a portion of pay already earned, within limits you set.
Eligibility rules
Minimum tenure, maximum share of net pay and cooling-off periods enforced by the system.
Verified draws
A one-time code and identity check before any money moves.
Automatic recovery
The draw is recovered from the next payroll run without anyone tracking it.
Mobile money payout
Disbursed to M-Pesa in minutes, with the payout status recorded end to end.
Staff loans
Longer-term loans with a repayment schedule, interest handling and payroll recovery.
A safer alternative to a payday lender
Money already earned, available before payday, at a cost you control rather than one set by a lender. The employee sees exactly what is available and what will be recovered.
- Only wages already earned can be drawn
- Available amount and recovery shown before confirming
- One-time code verification on every draw
- Paid out to M-Pesa in minutes
Savanna360 HR web workspace
Controls before the money moves
Eligibility is a rule, not a judgement call. Tenure, share of net pay and frequency are enforced, and a failed payout never leaves the employee owing money they did not receive.
- Minimum tenure and maximum share of net pay enforced
- A failed disbursement is reversed, not recovered
- Every draw and repayment on the audit log
- Abandoned draws cleaned up automatically
Loans & salary advances — Savanna360 HR web workspace
Longer-term lending, same discipline
Application, approval, disbursement and a repayment schedule that payroll honours every month until the balance clears.
- Application and approval chain you configure
- Repayment schedule attached to payroll
- Outstanding balance visible to employee and finance
- Identity verification before disbursement
Illustration — not live customer data
How teams roll Employee Benefits out
Set the policy
Tenure, maximum share of net pay, frequency and any fee.
Employee requests
Available amount shown, verified with a one-time code.
Disburse
Paid to M-Pesa, status recorded end to end.
Recover
Deducted from the next payroll run automatically.
Frequently asked questions
You set the policy: a maximum share of net pay already earned in the current period, a minimum tenure before an employee becomes eligible, and how often a draw can be made. The system enforces all three.
The draw is reversed. An employee is never left with a payroll deduction for money that did not reach them, and the failed attempt is recorded for finance to investigate.
No. Earned wage access advances money the employee has already worked for, so there is no lending decision. Identity is verified with a one-time code before disbursement.
Yes. Eligibility can be restricted by grade, department, contract type or individually, and the whole module can be disabled if you do not want to offer it.
Try Employee Benefits on your own data
Provision a full workspace in about ten minutes. Three days free, no card required.