On the roadmap

Salary already earned. Before payday.

Earned wage access lets staff draw part of the salary they have already worked for, straight from the Kiplework app into their Kiplepay wallet. The amount is settled on the next payslip. You set the limits. This feature is on our roadmap and is not part of the November launch.

Concept design of the Kiplework earned wage access screen, not final UI: RM 1,300.00 earned so far of RM 3,100.00, RM 390.00 available to withdraw within a 30% limit, amount options and a Withdraw to Kiplepay wallet button

Concept · UI not final

Who this is for

For the weeks when payday is too far away.

Built for companies with many staff on monthly pay who sometimes need part of it earlier.

Staff

See how much has been earned so far this month, draw part of it to the wallet, and see it deducted clearly on the next payslip. No forms, no asking the boss.

HR

Fewer ad hoc salary advance requests to process by hand. Rules are set once in the portal and apply to everyone the same way.

Finance

Withdrawal limits you control, funds drawn from a prefund balance you control, and settlement inside the payroll run you already check.

How it works

How it is designed to work.

Everything runs inside Kiplework. The payroll already knows what each person has earned.

Earned so far

The app shows how much salary has been earned this cycle, based on the payroll and attendance data already in Kiplework.

Staff request

They choose an amount within the limit your company has set.

Paid to the wallet

The amount goes to their Kiplepay wallet, ready to spend with DuitNow QR or transfer.

Settled on payday

The amount drawn is deducted automatically on the next payslip, shown as its own line.

Everyone is notified

Staff get a push notification for each step. HR sees the activity in the portal.

Controls

Guardrails your company sets.

Nothing happens by default. EWA is off until you switch it on and set the rules.

Kiplework payroll run where earned wage access is settled on the next payslip

Limits

You set how much can be drawn

Withdrawal limits are set by your company in the HR portal and apply to every request.

Earned only

Never more than what is worked

The amount available is calculated from salary already earned this cycle. It cannot exceed that.

Settlement

Deducted on the next payslip

The drawn amount comes off the next payroll run automatically and is shown on the payslip.

Wallet

Wallet and eKYC first

The Wallet module must be on, and the staff member must have completed eKYC, before EWA is available to them.

Funding

Paid from your prefund

Withdrawals are paid from your company's prefund balance with Kiplepay. If it runs low, EWA pauses until it is topped up and HR is notified.

Config

Set per company

Every setting is per company, so a group with several subsidiaries can run different rules for each.

Kiplepay is confirming how earned wage access will be offered under the Consumer Credit Act 2025 before this feature is released. Eligibility, any charges and the funding arrangement will be set out in your agreement with Kiplepay before it is switched on for your company.

Why built in

Built into the payroll, not bolted on.

Most earned wage access products are a separate app fed by an export of your payroll. Ours is the payroll.

The earned amount comes from the same attendance and payroll records HR already maintains. No data feed to a third party.

Money moves into the same Kiplepay wallet that receives claim payouts, so staff have one balance, one PIN, one card.

Settlement is a line on the payslip, inside the run Finance already reviews. Nothing to reconcile afterwards.

Limits, eligibility and switching it on or off are HR portal settings, not a support ticket to a vendor.

Staff notifications use the same preferences they already manage in the app.

Only in Kiplework

Why only Kiplework can do this properly.

The payroll knows what is earned

Earned wage access needs an accurate, live earned-to-date figure. Kiplework calculates it because it runs your payroll and attendance in the first place.

A regulated wallet underneath

Funds land in a wallet issued by Kiplepay Sdn Bhd, an e-money issuer approved by Bank Negara Malaysia, not in a third-party app.

Settled where it started

The deduction happens in the same payroll run, on the same payslip, with the same audit log. One system, one record.

Roadmap

What is planned.

Everything on this page is roadmap. Nothing here is included in the November 2026 launch.

Earned wage access

Not in the November launch

Earned-so-far view in the app

Draw within company-set limits

Paid to the Kiplepay wallet

Automatic deduction on the next payslip

Limits set per company

Push notifications for EWA activity

Prefund-backed disbursement

On and off switch per company

Questions

Earned wage access questions.

What is Earned Wage Access?

Earned Wage Access lets a staff member draw part of the salary already earned in the current pay cycle, before payday, up to a limit set by the employer. It is on the roadmap and must be switched on by your company.

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