Cixor - Everyday is PayDay
We created CIXOR to change the invisible rules of money, rules that say you can only be paid on a predetermined date.
Too many people across the world are forced to stretch a paycheck over weeks while living in a world of daily expenses. We know most employees globally live paycheck to paycheck. Many have no emergency buffer. Some rely on predatory loans.
We knew there had to be a better way.
So we built CIXOR PayDay, a scalable, inclusive solution that brings dignity and liquidity into wage earning.
And now, CIXOR PayDay is rapidly on its way to becoming the gold standard for fair, instant, and intelligent access to wages.
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FAQs for Employers
CIXOR PayDay is a globally scalable fintech solution developed by CIXOR (Pvt) Ltd to empower employers and employees through real-time Earned Wage Access, liquidity tools, and embedded financial services. We operate across multiple markets with local integrations and regulatory alignment.
EWA enables employees to access a portion of their already-earned wages before the standard payday. It provides financial flexibility and reduces the need for high-interest loans or payday lending.
No. CIXOR PayDay is not a loan. Employees only access wages they’ve already earned. There’s no interest, no debt, and no credit checks involved.
Payday loans are high-interest, short-term credit products that often trap users in cycles of debt. CIXOR, on the other hand, gives employees access to their earned income on demand — without interest, without penalties, and with full transparency.
Absolutely not. CIXOR is not a credit solution. It’s a payroll-adjacent benefit that allows employees to draw down their earnings as they accrue, without employer liability or lending implications.
FAQs for Users
You can register using a secure token provided by your employer. This ensures your wages are linked directly to your workplace. Once registered, you’ll set your PIN and password for secure access.
Yes! You can still download the app, explore budgeting tools, and track your earnings manually. You’ll also be able to send your employer a referral request directly through the app.
No. CIXOR PayDay is not a loan. It’s your money, your earnings. There’s no interest, no debt, and no credit checks.
Your employer sets the withdrawal percentage (e.g., 50%, 75%, or 100% of earned wages). The app will display your exact available balance in real time.
When payday comes, your employer’s payroll will simply deduct the amount you’ve already accessed. The rest of your salary is paid as usual.
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