PayNow | PaySauce


Access your earned wages without waiting for payday


Personalise your payday

PayNow is a unique feature in the PaySauce mobile app that lets employees access the money they’ve already earned, effectively letting you choose your own payday on demand.

Your earnings, anytime

So you’ve done some work, but haven’t been paid yet. You’ve already earned a chunk of cash for the hours you’ve worked since your last payday - so we make that money available to you, on your time. PayNow just helps you collect your own money when you need it.

You can access your available earnings using the PaySauce app - it’ll only show you the amount that you’ve earned since your last payday. Choose an amount to request, and you get paid - usually within an hour!

When payday comes around, your employer processes payroll as usual, but the amount you’ve already received will go to repaying the overdraft, with the rest coming to you.

PayNow for Employees

Handle unexpected expenses

Cars break down, teeth get sore, and stuff happens. If you're on fortnightly or monthly pays, payday can be a long wait. PayNow gives you access to your own earnings to provide a safe solution to these nasty surprises.

So long, loan sharks

Kiwis who are short on cash often resort to high-interest lenders. PayNow gives you a better option. No borrowing or interest, and no danger of creating more debt.

PayNow for Employees


I'm an employer, how can my team use PayNow?

You need to be a PaySauce payroll customer on either the Standard or Premium plan. If you aren't a PaySauce customer, you can sign up here. PayNow is available no matter which bank you're with.

Does this affect the employer’s cash flow?

It’s all funded by BNZ. No fees and no interest, period. There’s no cash flow impact to the employer at all, and no hidden costs to the employee.

I'm an employee, how can I get PayNow?

Your employer just has to be subscribed to PaySauce Payroll - then you can use the mobile app to access PayNow.

How much can I get paid?

You can get up to 80% of the amount earned since your last pay, minus any deductions like PAYE, KiwiSaver, child support etc.

So, for example, let’s say you’re on a fortnightly pay, working 5 days/week and you earn $2,000 each pay after taxes and deductions. After 4 working days, you’d have access to a maximum of $800 of wages.

How quickly will I get the money?

Once your request is submitted, it can take anywhere from a few minutes to a few hours. In some cases it might be processed overnight and you’ll see the payment the next day.

Can I use PayNow on a weekend or a bank holiday?

Afraid not. We can only process PayNow on a normal business day.

How much does it cost?

It’s free!

Where does the money come from?

A BNZ fund earmarked just for running PayNow. Any on-demand payments will then be paid back by your employer on your standard payday.

How many times can I get early wage access?

As much as you like, but you can only have one open pending payment at any time and you need to have already earned enough funds.

Do you charge any interest on the payment?

Nope, no interest - it’s not a loan, it’s your dosh!

Does the employer have to pay extra for their team to get this?

No, PayNow doesn’t impact the employer at all.


PayNow is part of BNZ’s efforts to disrupt predatory lending in New Zealand which includes Good Loans, Habitat for Humanity and The Good Shop. Through these programmes BNZ has provided more than $9 million in support to vulnerable people.