Financial Wellness Starts With RAYA

Access your Earned Wages anytime, anywhere with RAYA. Our Earned Wage Access service puts your hard-earned salary in your hands before payday, boosting your financial wellness and reducing stress.

It’s Time to Prioritize Your Financial Well-Being

RAYA aims to serve the workforce by increasing financial wellness & minimizing financial strain

Malaysian ringgit

Access to Emergency Funds Within 24 Hours

credit cards

Less Reliance on Credit Facility

Better Financial Control

With 4 Easy Steps, That’s All It Takes to Boost Your Financial Wellness!

Wait, really?

Log In

Click Withdraw

Choose Amount

Confirm

We Offer Earned Wage Access Services Across All Industries

RAYA supports every industry in Malaysia to help enhance financial wellness.

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Agriculture

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Plantation

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Healthcare

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Construction

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Information Technology

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Fintech

Awarded the Malaysia Digital (MD) Status by MDEC

See Shoraka RAYA in Action – Are You Ready to Get RAYA-ed?

What will you get from our Demo?

  Exclusive consultation about our app

  Detailed walkthrough from start to finish

✓  Ongoing support available

REQUEST A DEMO TODAY

More Reason to Love RAYA

ACCESSIBILITY

RAYA makes earnings instantly accessible, wherever and whenever you need them – at your fingertips.

INCREASED JOB SATISFACTION

Now that you have early access to your earnings, RAYA boosts employee satisfaction and retention.

FINANCIAL FLEXIBILITY

RAYA allows employees to manage expenses with Earned Wage Access – no more loans or credit cards.

Got Questions About RAYA? We Got You Covered

What is RAYA?

RAYA is the Earned Wage Access (EWA) mobile app designed to help Employees to access a portion of their earned salary before their regular payday.

How does RAYA work for Employers?

Employers must first sign up with RAYA. After that, registered Employees can access the earned wage platform.

How much does it cost Employers to offer RAYA?

It is Free of Charge.

How does RAYA work for Employees?

Registered Employees after onboarding can access and withdraw their earned salary until the cutoff date.

Is this a loan for Employees?

No, it is the Employees’ earned salary.

RAYA Offers Flexible Pay

That Sets A Game-Changer