For employees
How Pay-Small-Small works
Buy now, repay by bank debit. PayEasy turns your monthly take-home pay into a salary-aware instalment limit β your employer confirms employment, then collections run from your bank account.
- 01
Check eligibility
Tell us your monthly take-home pay (net salary). We compute your instalment cap (40% of net salary).
- 02
Pick a product
Browse the catalogue. Each card shows the lowest monthly across plans plus the minimum take-home the longest plan needs.
- 03
Compare plans
Review 3, 4, 5 and 6-month options side by side. The PayEasy service fee is already baked into every total.
- 04
Authorise & confirm
Accept your Instalment Authorization (bank debit primary, payroll fallback). Your employer confirms employment, then your bank debit mandate must be active before delivery.
Frequently asked
- Are there hidden fees?
- No. Each plan total includes the PayEasy service fee. We don't add late fees, account fees, or insurance fees.
- What if I leave my employer?
- You remain responsible for the outstanding balance. PayEasy may continue bank debit collections where the mandate remains valid, or agree an alternative repayment plan with support.
- Can I choose any product?
- Anything in the catalogue, as long as the plan's monthly instalment fits inside your 40% take-home cap.
- What if a bank debit fails?
- PayEasy may retry the debit. After permitted retries fail, we may ask your employer to recover the missed amount through payroll. We will also contact you to arrange a make-up.
- Do you check my credit history?
- No. PayEasy is employer-verified with salary-aware limits β not a traditional credit-bureau product. Your eligibility comes from your take-home pay and your employer's status.