Access wages you've already earned
Beze lets employees access pay they've already worked for, before payday. It's not a loan. There's no interest. No credit check. No debt. Just your money, when you need it.
NZ owned and operated
How Beze works
Three simple steps between you and your earned wages.
Your employer connects payroll
A simple setup that syncs automatically with your workplace payroll. No ongoing admin required.
See your earned wages
Get a real-time view of what you've earned this pay cycle, updated as you work. No guesswork needed.
Access your pay early
Request an advance on your earned wages and receive it in your bank account within minutes.
Simple, transparent fees
A small flat fee per access, capped each month. No interest, no hidden charges.
Built for everyone in the workplace
Built for both sides: employees who want more flexibility, employers looking after their team.
For Employees
- Access wages you've already earned, anytime
- No credit checks required
- Your bank and spending stay private
- Built-in budgeting tools to stay on track
For Employers
- Zero cost to your business
- Zero risk, Beze funds all advances
- Attract and retain talent with a meaningful benefit
- Payroll auto-reconciles every pay run
- Simple setup, no IT integration needed
Built for safety, not for debt
Every part of Beze is designed to protect employees, not profit from them.
Not a loan
Our model has been independently verified as pay on-demand, not credit.
Your data stays yours
We only access payroll earnings data needed to calculate your available wages. We never have full bank access.
Your spending stays private
Beze doesn't read your transactions or spending. We use your bank account only to deposit advances, and your employer sees only the access totals needed for payroll reconciliation.
Wages protected
Beze always reserves enough to ensure you receive your wages on payday, no matter how many advances you take.
Tax buffer built in
Every calculation includes a tax reservation so your payday amount is never unexpectedly short.
Clean reconciliation, every payday
Single pay-cycle advances that settle on your next payday. No rollovers, no compounding, no spiralling balances. Every pay run starts at zero.
Ready to offer Beze to your team?
Give your employees the financial flexibility they deserve. Setup takes minutes and costs you nothing.