Financial wellbeing
for every employee

Support your people to build a resilient future, via instant wage access, financial education, savings and budgeting tools.

Discover Paynest
Hassle free
The perks all employees love
Secured & transparent

Creating workplaces where employers genuinely
care about their employees needs

In the news
Ephicient logoEphicient logoThe Paak logoEphicient logoEphicient logo

Financial stress is the biggest employee concern today.
Let’s do something about it!

70%

of the workforce live paycheck to paycheck with less than 250 euros in savings

37%

of employees resort to emergency borrowing via high cost personal loans

55%

of employees are distracted at work due to financial stress

Financial stress is the biggest employee concern today. Let’s do something about it!

70%

of the workforce live paycheck to paycheck with <250 euros in savings

37%

of employees resort to emergency borrowing via high cost payday loans

55%

of employees are distracted at work due to financial stress

Paynest is offering financial wellness,
flexibility and safety. All in one.

Get paid as you work

- Access up to 50% of your earned salary
- Instant transfer to your account with the click of a button

Get financial coaching from a professional

- Articles and tools to help you with
financial decisions
- Qualified financial coach to contact
via chat

Track pay & expenses

- Get oversight of expenses and account balance through open banking
- Set up reminders for payments and avoid overdraft fees

Improve financial resilience via savings

- Get oversight of expenses and account balance through open banking
- Set up reminders for payments and avoid overdraft fees

Get paid as you work

- Access up to 50% of your earned salary

- Instant transfer to your account with the click of a button

Get financial coaching from a professional

- Articles and tools to help you with financial decisions

- Qualified financial coach to contact
via chat

Track pay & expenses

- Get oversight of expenses and account balance through open banking

- Set up reminders for payments and avoid overdraft fees

Improve financial resilience via savings

- Set up savings goals and timeline

- Create automatic deposits on payday

Start here

Support your business and your people
with the most impactful employee perks

Talent attraction

Did you know that75% of employees consider the benefits apart from salary when accepting an offer? Flexible access to pay is one of the most alluring corporate benefits.

Employee retention

An employee who feels appreciated, becomes a loyal partner. Imagine that 18% reduction in employee turnover represents a saving equivalent to 5-8% of your annual salary base.

Productivity increase

A team with less financial stress adds value to every organization’s operations. 50% of employees confirm that the feeling of financial safety can boost their performance.

Brand sentiment

When employees work in a great environment, they become your best brand ambassadors. The positive social impact spreads across your employees and your customer base.

Support your business and your people
with the most impactful employee perks

Talent attraction
Did you know that 75% of employees consider the benefits apart from salary when accepting an offer? Flexible access to pay is one of the most alluring corporate benefits.
Employee retention
An employee who feels appreciated, becomes a loyal partner. Imagine that 18% reduction in employee turnover represents a saving equivalent to 5-8% of your annual salary base.
Productivity increase
A team with less financial stress adds value to every organization’s operations. 50% of employees confirm that the feeling of financial safety can boost their performance.
Brand sentiment
When employees work in a great environment, they become your best brand ambassadors. The positive social impact spreads across your employees and your customer base.
Talent attraction
Did you know that 75% of employees consider the benefits apart from salary when accepting an offer? Flexible access to pay is one of the most alluring corporate benefits.
Employee retention
An employee who feels appreciated, becomes a loyal partner. Imagine that 18% reduction in employee turnover represents a saving equivalent to 5-8% of your annual salary base.
Productivity increase
A team with less financial stress adds value to every organization’s operations. 50% of employees confirm that the feeling of financial safety can boost their performance.
Brand sentiment
When employees work in a great environment, they become your best brand ambassadors. The positive social impact spreads across your employees and your customer base.

Why employees love it


“Paying my bills on time and avoid overdraft fees? It used to be a dream, now it is my reality!”

Loris 32 years old


“Every day is payday! Is there a better motive to wake up
and go to work?”

Emanuel  45 years old


“Now I have less stress and
I can make more plans for the future :-)”

Giada 25 years old


“I was thinking I should take a loan for my son’s school expenses. Problem solved thanks to Paynest.”

Betty 56 years old

Safe and secure.
Every single day
✔ Secured transactions
All transactions are secured
by our banking partner
✔ Seamless interactions
No disruption to your payroll processes.
We guarantee an easy and smooth integration
with your payroll solution
✔ Data protection
All data is encrypted using strong SSL standards
to ensure complete confidentiality

Financial wellbeing
for every employee

Support your people to build a resilient future, via instant wage access, financial education, savings and budgeting tools.
Discover Paynest
Hassle free
The perks all
employees love
Secured & transparent
Creating workplaces
where employers genuinely care about their employees needs
In the news
Ephicient logo
Ephicient logo
In the news

Financial stress is the biggest employee concern today. Let’s do something about it!

70%

of the workforce live paycheck to paycheck with  <250 euros in savings

37%

of employees resort to emergency borrowing via high cost payday loans

55%

of employees are distracted at work due to financial stress

70%

of the workforce live paycheck to paycheck with less than 250 euros in savings

37%

of employees resort to emergency borrowing via costly personal loans

55%

of employees are distracted at work due to financial stress

Paynest is offering
financial wellness, flexibility
and safety. All in one.

Flexible salary
Get paid as you work
• Access up to 50% of
your earned salary

• Instant transfer to your account
with the click of a button
Financial coaching
Get financial coaching
from a professional
• Articles and tools to help you with financial decisions

• Qualified financial coach
to contact via chat
Budgeting tools
Track pay & expenses
• Get oversight of expenses and account balance through
open banking

• Set up reminders for payments and avoid overdraft fees
Savings account
Improve financial
resilience via savings
• Set up savings goals and timeline

• Create automatic deposits
on payday
How Paynest works

1 The employer creates a
Paynest account

2 Employees download the
app and start using Paynest

3 At the end of month,
employees are paid via the regular process minus their advances

Paynest is offering financial wellness, flexibility and safety.
All in one.

Get paid as you work

• Access up to 50% of
your earned salary
• Instant transfer to your account
with the click of a button
Get financial coaching from a professional

• Articles and tools to help you with financial decisions
• Qualified financial coach to contact via chat
Track pay & expenses

• Get oversight of expenses and account balance through open banking
• Set up reminders for payments and avoid overdraft fees
Improve financial
resilience via savings

• Set up savings goals and timeline
• Create automatic deposits on payday
Get paid as you work
• Access up to 50% of your earned salary

• Instant transfer to your account
with the click of a button
Get financial coaching from a professional
• Articles and tools to help you with financial decisions

•• Qualified financial coach to contact
via chat
Track pay & expenses
• Set up savings goals and timeline

• Set up automatic deposits on payday
Improve financial resilience via savings
• Get oversight of expenses and account balance through open banking

• Set up reminders for payments and avoid overdraft fees
How Paynest works
1
The employer creates a Paynest account
2
Employees download the app and start using Paynest
3At the end of month, employees are paid via the regular process minus their advances
Start here

Support your business and your people with the most impactful employee perks

Talent attraction

Did you know that 75% of employees consider the benefits apart from salary when accepting an offer? Flexible access to pay is one of the most alluring corporate benefits.

Employee retention

An employee who feels appreciated, becomes a loyal partner. Imagine that 18% reduction in employee turnover represents a saving equivalent to 5-8% of your annual salary base.

Productivity increase

A team with less financial stress adds value to every organization's operations. 50% of employees confirm that the feeling of financial safety can boost their performance.

Brand sentiment

When employees work in a great environment, they become your best brand ambassadors. The positive social impact spreads acrossyour employees and your customer base.

Why employees love it

“Paying my bills on time and avoid overdraft fees? It used to be a dream, now it is my reality!”

Loris 32 years old

“Every day is payday! Is there a better motive to wakeup and go to work?”

Emanuel  45 years old

“Now I have less stress andI can make more plans for the future :-)”

Giada 25 years old

“I was thinking I should take a loan for my son’s school expenses. Problem solved thanks to Paynest.”

Betty 56 years old

In the news

In the news

Ephicient logo

Fintech portuguesa entra no mercado para antecipar salários mediante acordo com as empresas

Nuno Pereira, CEO da Paynest, esteve esta manhã na CNN Portugal para falar sobre literacia financeira, uma lacuna da sociedade portuguesa.
Read more

Fintech portuguesa entra no mercado para antecipar salários mediante acordo com as empresas

Recém-criada, a fintech portuguesa Paynest contratualiza com as empresas adiantamentos de parcelas de...

Paynest de Nuno e Gkontas adianta o salário e trava o endividamento

Um português e um grego criaram uma plataforma online destinada a empresas que permite que os seus colaboradores recebam ...
Read more

A importância do bem-estar financeiro dos trabalhadores

2023 será um ano verdadeiramente desafiante para os portugueses, quer sejam trabalhadores, ou empregadores, pelo que criar as condições...
Read moreRead moreRead more
Frequently
asked questions
What are the benefits of using Paynest for the employer?

Well, Paynest is a useful tool for employers, too! It is created to help organisations automate salary advances and save workforce time. Also, Paynest is a great business perk that can attract new talented employees while improving the wellbeing of the current workforce.

Why does Paynest improve productivity in the workplace?

Studies have shown that employees can not easily concentrate at work because they are constantly thinking about their financial issues, overdrafts and unpaid bills. Employees that live paycheck to paycheck may be unable to pay unexpected expenses that come up during the month. This inevitably creates constant and unhealthy stress. They also lack knowledge on how to deal with all that as there is no obvious and easy solution. By providing flexible pay, employees can have control of their finances and struggle less, while increasing their productivity and wellbeing in the workplace.

What an employer needs to get started?

Paynest onboarding process is streamlined and requires minimum effort from the employer side. Only 3 steps are needed to be up and running in no time. Contact us to learn more.

Are there any disruptions in the payroll process?

There is no need to worry. There is no disruption to the payroll. Employees are still paid through the regular process and they receive their salary minus the advances into their salary bank account.

Where is the working capital stored?

The working capital is in a safe account with our partner bank. The employer remains the owner of this account and authorizes us to initiate payments only towards their employees' bank accounts.

What is Paynest?

Glad you asked! Paynest is an innovative online platform that revolutionizes the way employees are getting paid by providing instant access to 50% of the earned salary with the click of a button. In that way, we give flexibility and freedom to the employees and help them avoid expensive personal loans and overdraft credit card fees. In addition to that, we provide financial education and guidance to help employees go through financial hardships and take better financial decisions. It is the best way for a company to get happier employees in addition to attracting and retaining talent.

How does Paynest work with every company to communicate the benefit to employees?

Paynest works very closely with employers to design and implement a communications strategy that maximizes engagement, impact, and positive change among employees.

How does Paynest work?

Paynest is an employee benefit that helps employees reduce financial stress and improve their financial education. At the touch of a button, Paynest app allows access to 50% of the earned income every hour of every day. No need to contact the HR and ask for money in advance or explain why this money is needed up-front. Paynest also provides access to financial education through curated material and coaching from professional financial coaches. Paynest helps employees to become financially empowered and build a resilient financial future.

What do I need to get started?

Things are nice and neat: you’ll receive an invitation to enroll via email from your employer. Download the Paynest app for free and sign up using this same email address. You will then receive a magic link that will redirect you to the app and you are good to go!

How is this different from a loan?

Paynest is not considered a loan as employees only have access to the money they have worked for.

Is my salary protected?

Every salary and all the transactions are secured by our banking partner and will safely reach the connected salary bank account in minimum time.

How to talk to a financial coach?

That's easy! Click on "Learn" at the bottom right of your screen and then click on "Ask a question". You will be redirected to a chatbot where you can choose your topic of interest and be connected to a coach.

Why I can only access 50% of my salary?

Providing access to 50% of your earned salary, gives you the flexibility you need during the month to cover unexpected costs and emergencies and also protects your from overspending.

Safe and secure.
Every single day.
Secured transactions
All transactions are secured
by our banking partner
Seamless interactions
No disruption to your payroll processes. We guarantee an easy and smooth interaction with your team
Data protection
All data is encrypted using strong SSL standards to ensure complete confidentiality
Frequently asked
questions
What is Paynest?

Glad you asked! Paynest is an innovative online platform that revolutionizes the way employees are getting paid by providing instant access to 50% of the earned salary with the click of a button. In that way, we give flexibility and freedom to the employees and help them avoid expensive personal loans and overdraft credit card fees. In addition to that, we provide financial education and guidance to help employees go through financial hardships and take better financial decisions. It is the best way for a company to get happier employees in addition to attracting and retaining talent.

What are the benefits of using Paynest for the employer?

Well, Paynest is a useful tool for employers, too! It is created to help organisations automate salary advances and save workforce time. Also, Paynest is a great business perk that can attract and retain talented employees while improving the wellbeing of the current workforce.

Why does Paynest improve productivity in the workplace?

Studies have shown that employees can not easily concentrate at work because they are constantly thinking about their financial issues, overdrafts and unpaid bills. Employees that live paycheck to paycheck may be unable to pay unexpected expenses that come up during the month. This inevitably creates constant and unhealthy stress. They also lack knowledge on how to deal with all that as there is no obvious and easy solution. By providing flexible pay, employees can have control of their finances and struggle less, while increasing their productivity and wellbeing in the workplace.

What an employer needs to get started?

Paynest onboarding process is streamlined and requires minimum effort from the employer side. Only 3 steps are needed to be up and running in no time. Contact us to learn more.

Are there any disruptions in the payroll process?

There is no need to worry. There is no disruption to the payroll. Employees are still paid through the regular process and they receive their salary minus the advances into their salary bank account.

Where is the working capital stored?

The working capital is in a safe account with our partner bank. The employer remains the owner of this account and authorizes us to initiate payments only towards their employees' bank accounts.

How does Paynest work?

Paynest is an employee benefit that helps employees reduce financial stress and improve their financial education. At the touch of a button, Paynest app allows access to 50% of the earned income every hour of every day. No need to contact the HR and ask for money in advance or explain why this money is needed up-front. Paynest also provides access to financial education through curated material and coaching from professional financial coaches. Paynest helps employees to become financially empowered and build a resilient financial future.

What do I need to get started?

Things are nice and neat: you’ll receive an invitation to enroll via email from your employer. Download the Paynest app for free and sign up using this same email address. You will then receive a magic link that will redirect you to the app and you are good to go!

How is this different from a loan?

Paynest is not considered a loan as employees only have access to the money they have worked for.

Is my salary protected?

Every salary and all the transactions are secured by our banking partner and will safely reach the connected salary bank account in minimum time.

How to talk to a financial coach?

That's easy! Click on "Learn" at the bottom right of your screen and then click on "Ask a question". You will be redirected to a chatbot where you can choose your topic of interest and be connected to a coach.

Why I can only access 50% of my salary?

Providing access to 50% of your earned salary, gives you the flexibility you need during the month to cover unexpected costs and emergencies and also protects your from overspending.

Read more

We are here for you
and your team

Contact us to learn more about Paynest and how you can offer financial freedom and safety to your employees

Thank you for your submission!
Someone from our team will get in touch shortly!
Oops! Something went wrong while submitting the form.
Download the app
We are here for you
and your team
Contact us to learn more about Paynest and how you can offer financial freedom and safety to your employees
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Download the app