Paywise

The problem

Hourly workers borrow at 300% interest to cover the gap before payday, even though they have already earned the money.

The solution

Paywise lets employees withdraw wages they have already earned for a small flat fee, paid for by the employer as a benefit.

Who it's for

Employers of hourly staff in retail, hospitality and manufacturing.

Market

Bottom-up: about 60,000 customers like this in Mexico and nearby, worth roughly $280 million a year at our prices.

Competition and edge

Headline metric

42,000 active users, growing 17% a month

The team

Valeria knows the customer and has sold to them before; Diego has built this kind of system at scale. We have worked side by side since before Paywise had a name.

Worked together

More than 3 years

Hiring

A senior engineer and our first customer-success hire.

About the founder

Valeria Ramírez

Founder & CEO · Mexico City, Mexico · 12 years of experience

Valeria ran payroll operations for a 12,000-person retailer. Started Paywise in 2024 and works on it full-time from Mexico City.

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