Industry insight50%
can’t comfortably wait
Half of employees find it hard to make it to month-end before their salary arrives.
FOR EMPLOYERSEarned wage access
Earned wage access
your team deserves.
Give your people the freedom to access wages they’ve already earned, before payday. No loans, no interest, and no extra payroll work for you.
- Approved TSP
- Employment Act 2022 aligned
- Zero payroll disruption
- Not a loan. No interest.
Payday Pressure Is Real.
It’s Just Rarely Said.
What your people won’t tell you is already showing up at work.
Industry insight86%
keep money worries quiet
Most employees feel too embarrassed to talk about financial stress at work.
Industry insight90%
comes back to cash flow
Most business failures are linked to poor cash flow. Timing matters, for companies and for people.
Industry figures, shared for context.
Not a loan. Not a salary advance. mesraGaji only unlocks money your people have already earned, so there’s no interest, no debt, and no credit risk for anyone. And it costs your company RM 0 in additional payroll.
Explore access types
Earned Access and Emergency Access.
You Decide What’s on Offer.
Free for employees
Earned wage access
Give your people access to wages from the days they’ve already worked, before the usual payday. A little flexibility for everyday essentials, with clear visibility for your HR team.
Based only on days already worked. No credit.
Zero fees for employees on this access type
Balance grows as each working day is completed
You set the maximum withdrawal percentage
Settled automatically in your next payroll run
Small fee per withdrawal
Emergency access
Offer a helping hand for urgent expenses, with access to this month’s or next month’s salary. You set eligibility and limits, and every request goes through a clear, employer-controlled approval.
This month’s salary, before the pay cycle closes
Next month’s salary, from the 1st of the month
You decide whether it’s available at all
You set eligibility criteria and limits
A small, transparent processing fee applies
Illustrative examples only. Eligibility and terms apply.
Choose When the Money Arrives
Employees pick the speed that suits their situation. Each option pays directly into their registered bank account.
Free · RM0
Normal
Within 2 working daysA standard bank transfer for when there’s no rush. Reliable, simple, and free.
Small feePopular
Fast
Within 2 hoursMoney lands the same day, while the workday is still on.
Small fee
Instant
ImmediatelyReal-time disbursement for the moments that can’t wait.
A Benefit That
Pays for Itself.
Offering earned wage access costs your company nothing, and pays back in retention, productivity, and culture.
Retention
Improve staff retention
Money stress is a leading reason people leave. Access to earned wages helps reduce short-term departures.
Performance
Boost productivity
People who aren’t worrying about money until payday can concentrate better and perform more consistently.
Culture
Raise satisfaction
It shows real care for wellbeing, and gives you a meaningful edge when attracting and keeping talent.
Visibility
Real-time dashboard
Monitor withdrawal activity, track usage, and adjust limits or eligibility from one admin panel.
Impact
Strengthen your ESG standing
Financial wellness is a Social pillar metric. Show measurable impact on your people’s financial health.
Operations
No payroll disruption
Your payroll cycle stays the same. Withdrawn amounts are deducted at month-end, with zero extra work.
You Stay in Complete Control. On Your Terms.
mesraGaji is a benefit you configure, adjust, and pause whenever you need.
Set the limit
Choose the maximum withdrawal percentage for each pay cycle.
Choose what’s on offer
Decide whether Emergency Access is available to your team.
Define who’s eligible
Set eligibility rules by department or employment status.
See it as it happens
View all transactions in real time from your dashboard.
Change your mind anytime
Pause or adjust access whenever you need, without touching payroll.
A LITTLE LESS ADMIN. A LOT MORE CLARITY.Take care of your team.
Take care of your team.
We’ll help with the details.
Give your people more freedom, while keeping the oversight your business needs.
Employer workspace · Illustrative preview
YOUR PEOPLE, AT A GLANCE
HRA good day to do good.
Salary access overview
Enrolled employees128People supported
Total accessedRM 8,450This month
Support throughout the month● Salary access
Week 1Week 2Week 3Week 4
September preview Sample data
More visibility.
Less guesswork.
Less guesswork.
“One platform. Everything connected.
No separate app. No new integration.”
mesraGaji lives inside mesraHR, the HR platform your team already uses.
Payroll data drives each earned balance automatically. No double entry.
Withdrawals reconcile against your existing payroll run at month-end.
HR admins manage everything from the same mesraHR dashboard.
Employees use the mesraHR app they already know.
A Better Benefit. A Straightforward Start.
It takes one conversation to activate. We’ll make it fit your people and your payroll.
LET’S GET YOUR TEAM STARTEDA friendlier payday
A little support goes a long way.A friendlier payday
starts here.
Your people. Your pace. Your policies.
Company nameYour company
Your teamPeople who make it happen
Your prioritiesMore flexibility. Less worry.
Make it yours.
Tell us about your team. We’ll walk through access options, limits, eligibility, and the right setup for your payroll.
Switch it on in mesraHR.
Your HR admin activates mesraGaji. Payroll data drives each earned balance, so there’s nothing new to maintain.
Let better days begin.
Employees access their earned wages in under a minute. Your team keeps a clear view of activity and approvals.
Employer FAQs
Is mesraGaji a loan or salary advance?
No. Employees can only access wages they’ve already earned based on days worked. There’s no interest, no credit check, and no debt created.
Does offering mesraGaji cost the company anything?
There’s no additional payroll cost. Earned wage access is free for employees on Normal transfers. Fast transfers, Instant transfers, and Emergency Access carry small, transparent fees paid per withdrawal.
How does mesraGaji affect my payroll process?
It doesn’t change your cycle. Withdrawn amounts are deducted in your month-end payroll, already reconciled inside mesraHR. There’s no extra work for your HR or finance team.
What is the difference between Earned Access and Emergency Access?
Earned Access is free and covers wages from days already worked in the current cycle. Emergency Access has a small fee and can draw on this month’s or next month’s salary before it’s earned. It’s entirely employer-controlled.
What controls do we have?
You set the maximum withdrawal percentage per pay cycle, decide whether Emergency Access is enabled, define eligibility by department or employment status, and can pause or adjust access at any time.
Is mesraGaji compliant with Malaysian employment law?
mesraGaji is aligned with the Employment Act 2022. It operates on wages employees have already earned and is not a loan or credit facility.
Do employees need a separate app?
No. mesraGaji is built into mesraHR, so employees use the same mobile or web app they already use for HR.
Can’t find an answer to your question? Get in touch
Let’s Make Payday Friendlier.
A Real Conversation With Our Team.
Good days start with a little flexibility.
Tell us about your people. We’ll explore the right access options, answer your questions, and help you plan the next steps.