Get paid when you work — not 14 days from now.
Workers draw on wages they've already earned but not yet been paid. Net-zero default risk because repayment comes out of the next scheduled payout.
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Wages on tap, settled at source.
EWA turns earned-but-unpaid wages into instant liquidity for workers — without changing any of your existing payroll cycles.
On-demand
Workers tap a button; funds land in seconds via IMPS / UPI.
Zero default risk
Repayment is netted from the next payout — no separate collections.
Flat fee
Transparent ₹15 – ₹35 fee per advance. No interest. No surprises.
Retention up. Advance-desk chaos down.
Operators consistently report sharp drops in advance-request volume at the supervisor's desk, plus measurable improvements in 90-day worker retention.
EWA is the gateway product — once workers trust the wallet for instant access, credit and insurance cross-sell follows.
Ready to plug Paynorma in?
30-minute call. We will walk you through what one signup unlocks.