How it works
Picsa integrates seamlessly with payroll, manages the administration, and engages directly with employees. This reduces your workload, creates more stability, and helps build a financially healthy workforce.
Employer sign-up
We begin by meeting with you to understand your business and the specific needs of your employees. This personalised start ensures that the solutions we provide fit your workplace, making the process smoother and easier to implement from day one.
Onboarding
Once you’ve signed up, we introduce Picsa to your employees and explain how our products work. We also provide clear marketing materials to help you share the message across your workplace.
Ongoing support
Your HR and finance teams receive a single point of contact at Picsa, making communication simple and ensuring consistent support.
Costs for the employer
Voluntary
Basic set of employee benefits, EarnBacks optional for employees.
Set-up fee per employee: R50
Monthly fee per employee: No cost for employer
Minimum employees: 250
• Short-term investments
• Long-term investments
• Funeral cover
• Interest-free emergency loans
• Voluntary EarnBacks at R25p/m (R12.50p/m for non-permanent)
Basic set of employee benefits, EarnBacks optional for employees.
Set-up fee per employee: R50
Monthly fee per employee: No cost for employer
Minimum employees: 250
• Short-term investments
• Long-term investments
• Funeral cover
• Interest-free emergency loans
• Voluntary EarnBacks at R25p/m (R12.50p/m for non-permanent)
Group
Employees get access to the full suite of benefits and products.
Set-up fee per employee: R50
Monthly fee per employee: R20 (R10 per non-permanent employee)
Minimum employees: 30
• Short-term investments
• Long-term investments
• Funeral cover
• Zero-cost, interest-free emergency loans
• EarnBacks membership included
Employees get access to the full suite of benefits and products.
Set-up fee per employee: R50
Monthly fee per employee: R20 (R10 per non-permanent employee)
Minimum employees: 30
• Short-term investments
• Long-term investments
• Funeral cover
• Zero-cost, interest-free emergency loans
• EarnBacks membership included
Less than 30 employees? Contact our sales team to find out about our custom solutions.
EarnBacks loyalty programme membership
Our groundbreaking behavioural change programme gives your employees access to responsible loans while growing their long-term savings.
Up to 100% of fees back in rewards
EarnBacks points account
Prizes
Consolidation loans
Cash loans
Retail loans
Get in touch if you are interested in making an impact in your employees' lives.
Why employees choose Picsa
Service in your language. Get friendly support in English, Afrikaans or Xhosa.
Stay informed. Free SMS updates keep you on top of fees, payments and balances.
Quick and simple. WhatsApp self-service gives you easy access without standing in queues.
Trusted and reliable. Thousands of employees and leading national companies already rely on Picsa.
Confidence and independence. Savings give employees the ability to handle expenses without turning to debt or relying on their employer.
No hidden costs. Payroll deductions mean no debit order fees, no penalty fees, and no surprises.
Start small. Saving is easy and accessible for everyone.
Get rewarded. Earn recognition and rewards for making good financial choices.
Why employers choose Picsa
Easy to implement. Get started easily with no disruption to your business.
Fits your payroll cycle. Seamless integration whether weekly, fortnightly or monthly.
Flexible for your workforce. Solutions designed for both permanent and seasonal employees.
Tailored to your employees. High-value products that match the needs of your employees.
Optional contributions. Choose to add to your employees’ long-term savings if you wish.
Dedicated support. A single point of contact makes communication straightforward.
Easy online access. A self-service platform keeps everything at your fingertips.
Trusted providers. Products backed by leading financial institutions.
What employer partners say about us
“If someone asked me whether they should partner with Picsa, I’d say yes — because it empowers your workers. It gives them control. And when people feel they have control over their finances, they carry themselves differently.”
“Less financial stress means employees are more focused and productive which improves the workplace as a whole.”
“The management of our employee’s finances brought a big burden on our payroll department. The fact that this is being outsourced to Picsa has made things much easier for our payroll department.”