{"id":39,"date":"2024-01-16T20:00:23","date_gmt":"2024-01-16T20:00:23","guid":{"rendered":"https:\/\/shorakaraya.com\/?page_id=39"},"modified":"2025-09-09T03:27:36","modified_gmt":"2025-09-09T03:27:36","slug":"how-it-works","status":"publish","type":"page","link":"https:\/\/shorakaraya.com\/index.php\/how-it-works\/","title":{"rendered":"How It Works"},"content":{"rendered":"

[et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.24.2″ _module_preset=”default” custom_padding_tablet=”” custom_padding_phone=”30px||30px||true|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.24.2″ _module_preset=”default” custom_margin=”-40px||||false|false” custom_margin_tablet=”-40px||||false|false” custom_margin_phone=”-40px||||false|false” custom_margin_last_edited=”on|desktop” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” header_font_size=”62px” header_font_size_tablet=”62px” header_font_size_phone=”35px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

How Does It Work?<\/strong><\/h1>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ _builder_version=”4.24.2″ _module_preset=”default” min_height=”445px” custom_margin=”0px||||false|false” custom_margin_tablet=”0px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|desktop” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”1. Log In to your account” image=”https:\/\/shorakaraya.com\/wp-content\/uploads\/2025\/07\/Screenshot-RAYA-Login-scaled.png” content_max_width=”220px” image_icon_width_tablet=”80%” image_icon_width_phone=”45%” image_icon_width_last_edited=”on|tablet” content_max_width_tablet=”220px” content_max_width_phone=”300px” content_max_width_last_edited=”on|desktop” _builder_version=”4.24.2″ _module_preset=”default” header_font=”|600|||||||” text_orientation=”center” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”2. Click Withdraw” image=”https:\/\/shorakaraya.com\/wp-content\/uploads\/2025\/07\/Screenshot-RAYA-Dashboard-1-scaled.png” content_max_width=”220px” image_icon_width_tablet=”80%” image_icon_width_phone=”45%” image_icon_width_last_edited=”on|tablet” content_max_width_tablet=”220px” content_max_width_phone=”300px” content_max_width_last_edited=”on|desktop” _builder_version=”4.24.2″ _module_preset=”default” header_font=”|600|||||||” text_orientation=”center” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”3. Choose amount & confirm” image=”https:\/\/shorakaraya.com\/wp-content\/uploads\/2025\/07\/Screenshot-RAYA-Withdraw-scaled.png” content_max_width=”220px” image_icon_width_tablet=”80%” image_icon_width_phone=”45%” image_icon_width_last_edited=”on|tablet” content_max_width_tablet=”220px” content_max_width_phone=”300px” content_max_width_last_edited=”on|desktop” _builder_version=”4.24.2″ _module_preset=”default” header_font=”|600|||||||” text_orientation=”center” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”4. Withdraw successful” image=”https:\/\/shorakaraya.com\/wp-content\/uploads\/2025\/07\/Screenshot-RAYA-Success-scaled.png” content_max_width=”220px” image_icon_width_tablet=”80%” image_icon_width_phone=”45%” image_icon_width_last_edited=”on|tablet” content_max_width_tablet=”220px” content_max_width_phone=”300px” content_max_width_last_edited=”on|desktop” _builder_version=”4.24.2″ _module_preset=”default” header_font=”|600|||||||” text_orientation=”center” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ inner_shadow=”on” _builder_version=”4.24.2″ _module_preset=”default” top_divider_style=”wave” top_divider_color=”rgba(186,163,139,0.3)” top_divider_height=”70px” top_divider_repeat=”1x” top_divider_flip=”horizontal” global_colors_info=”{}”][et_pb_row _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_text_color=”#6F4924″ text_font_size=”20px” header_font=”|700|||||||” header_font_size=”62px” text_font_size_tablet=”17px” text_font_size_phone=”12px” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”62px” header_font_size_phone=”35px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Who Is RAYA For?<\/h1>\n

Raya is crafted with the well-being of both Employers and Employees in mind.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.24.2″ _module_preset=”default” custom_margin=”30px||||false|false” custom_margin_tablet=”30px||||false|false” custom_margin_phone=”30px||||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”4px||2px|||” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”FOR EMPLOYERS” image=”https:\/\/shorakaraya.com\/wp-content\/uploads\/2024\/09\/employer-icon.png” image_icon_width=”40%” content_max_width=”420px” image_icon_width_tablet=”30%” image_icon_width_phone=”30%” image_icon_width_last_edited=”on|desktop” content_max_width_tablet=”420px” content_max_width_phone=”420px” content_max_width_last_edited=”on|desktop” _builder_version=”4.24.2″ _module_preset=”default” header_font=”|600|||||||” header_font_size=”30px” body_text_align=”center” body_text_color=”#6F4924″ body_font_size=”19px” body_line_height=”1.4em” background_color=”RGBA(255,255,255,0)” text_orientation=”center” header_font_size_tablet=”26px” header_font_size_phone=”22px” header_font_size_last_edited=”on|desktop” header_line_height_tablet=”” header_line_height_phone=”” header_line_height_last_edited=”on|desktop” body_text_align_tablet=”center” body_text_align_phone=”center” body_text_align_last_edited=”on|desktop” body_font_size_tablet=”17px” body_font_size_phone=”13px” body_font_size_last_edited=”on|desktop” body_line_height_tablet=”1.4em” body_line_height_phone=”1.6em” body_line_height_last_edited=”on|desktop” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n

\n

<\/span><\/p>\n

RAYA fosters a motivated and content workforce. By offering this benefit, companies demonstrate their commitment to their employees’ financial wellness, increasing Employee loyalty, productivity, and retention.<\/span><\/p>\n<\/div>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”FOR EMPLOYEES” image=”https:\/\/shorakaraya.com\/wp-content\/uploads\/2024\/09\/employee-icon.png” image_icon_width=”40%” content_max_width=”420px” image_icon_width_tablet=”30%” image_icon_width_phone=”30%” image_icon_width_last_edited=”on|desktop” content_max_width_tablet=”420px” content_max_width_phone=”420px” content_max_width_last_edited=”on|desktop” _builder_version=”4.24.2″ _module_preset=”default” header_font=”|600|||||||” header_font_size=”30px” body_text_color=”#6F4924″ body_font_size=”19px” body_line_height=”1.4em” text_orientation=”center” header_font_size_tablet=”26px” header_font_size_phone=”22px” header_font_size_last_edited=”on|desktop” header_line_height_tablet=”” header_line_height_phone=”” header_line_height_last_edited=”on|desktop” body_font_size_tablet=”17px” body_font_size_phone=”13px” body_font_size_last_edited=”on|desktop” body_line_height_tablet=”1.4em” body_line_height_phone=”1.6em” body_line_height_last_edited=”on|desktop” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n

\n

<\/span><\/p>\n

RAYA offers immediate access to their hard-earned wages, providing a financial safety net for unexpected expenses. With immediate access, Employees gain financial flexibility and peace of mind and enhance overall job satisfaction.<\/p>\n<\/div>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” module_id=”faqs” _builder_version=”4.24.2″ _module_preset=”default” background_color=”rgba(186,163,139,0.2)” background_image=”https:\/\/shorakaraya.com\/wp-content\/uploads\/2024\/01\/mobile-app_49.png” parallax=”on” custom_padding_tablet=”” custom_padding_phone=”20px||20px||true|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” header_font_size=”62px” header_font_size_tablet=”51px” header_font_size_phone=”35px” header_font_size_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Frequently Asked Questions<\/strong><\/h1>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.24.2″ _module_preset=”default” custom_margin_tablet=”” custom_margin_phone=”-30px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”||||false|false” custom_padding_tablet=”||||false|false” custom_padding_phone=”20px||20px||true|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_accordion open_toggle_text_color=”#CE2922″ open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_text_color=”#6F4924″ icon_color=”#8A0304″ use_icon_font_size=”on” icon_font_size=”20px” _builder_version=”4.24.2″ _module_preset=”default” toggle_text_color=”#6F4924″ toggle_font_size=”20px” closed_toggle_font_size=”20px” body_text_color=”#6F4924″ body_font_size=”16px” background_color=”RGBA(255,255,255,0)” hover_enabled=”0″ toggle_font_size_tablet=”18px” toggle_font_size_phone=”15px” toggle_font_size_last_edited=”on|desktop” closed_toggle_font_size_tablet=”18px” closed_toggle_font_size_phone=”15px” closed_toggle_font_size_last_edited=”on|desktop” body_font_size_tablet=”15px” body_font_size_phone=”12px” body_font_size_last_edited=”on|desktop” border_radii=”on|5px|5px|5px|5px” border_width_all=”0px” global_colors_info=”{}” sticky_enabled=”0″][et_pb_accordion_item title=”What is RAYA? ” open=”on” _builder_version=”4.24.2″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

RAYA is the Earned Wage Access (EWA) mobile app designed to help Employees access a portion of their earned wages before their regular payday.<\/span><\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”How does RAYA work for Employers?” _builder_version=”4.24.2″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” open=”off” sticky_enabled=”0″]<\/p>\n

Employers must first sign up with RAYA. Then, registered Employees can access the earned wage platform.<\/span><\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”How does RAYA work for Employees?” _builder_version=”4.24.2″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” open=”off” sticky_enabled=”0″]<\/p>\n

Registered Employees after onboarding can access and withdraw their earned wages until the cutoff date.<\/span><\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Is this a loan for Employees?” _builder_version=”4.24.2″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” open=”off” sticky_enabled=”0″]<\/p>\n

No, it is the Employee’s earned wages.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”What is the maximum Employees can withdraw?” _builder_version=”4.24.2″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” open=”off” sticky_enabled=”0″]<\/p>\n

The maximum you can withdraw is 50% of your earned wages. Employers will have the flexibility to set the amount as per their comfort. RAYA advises not more than 50%.<\/span><\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”How many times can Employees withdraw within a month?” _builder_version=”4.24.2″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” open=”off” sticky_enabled=”0″]<\/p>\n

Employees can access their earned wages to withdraw as many times as they wish before the salary cutoff date set by the Employer.<\/span><\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”How is repayment of withdrawn amounts processed?” _builder_version=”4.24.2″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” open=”off” sticky_enabled=”0″]<\/p>\n

Employers deduct the withdrawn amount from the employee’s next pay slip during the regular payroll cycle.<\/span><\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Can Shoraka RAYA be integrated with HR Management\/Payroll System?” _builder_version=”4.24.2″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” open=”off” sticky_enabled=”0″]<\/p>\n

Yes, RAYA can integrate with most HR management and payroll systems. Contact our technical team to discuss your specific integration requirements.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”What ongoing support does RAYA provide to employers? ” _builder_version=”4.24.2″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

Our service includes technical support, platform maintenance, regular updates, and dedicated account management.<\/span><\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”What are the benefits of integrating RAYA with existing systems? ” _builder_version=”4.24.2″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

Integration streamlines operations by automating employee data synchronisation, withdrawal approvals, and payroll deductions, reducing manual work for HR and Finance teams while ensuring accurate record-keeping.<\/span><\/p>\n

[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.24.2″ _module_preset=”default” custom_padding=”40px||40px||true|” custom_padding_tablet=”40px||40px||true|” custom_padding_phone=”20px||20px||true|false” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” header_font_size=”55px” header_line_height=”1.2em” header_text_align_tablet=”center” header_text_align_phone=”center” header_text_align_last_edited=”on|tablet” header_font_size_tablet=”45px” header_font_size_phone=”26px” header_font_size_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n

Set to Make A Change<\/span>? <\/strong><\/h1>\n

Book A Demo With Us Today<\/strong><\/h1>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”2_5″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_button button_url=”?page_id=46\/#contact-demo” button_text=”BOOK A DEMO” button_alignment=”center” _builder_version=”4.24.2″ _module_preset=”default” custom_button=”on” button_text_size=”24px” button_text_color=”#FFFFFF” button_bg_color=”#8A0304″ button_border_width=”0px” button_border_radius=”5px” button_font=”|600|||||||” custom_margin=”38px||||false|false” custom_margin_tablet=”0px||||false|false” custom_margin_phone=”-10px||||false|false” custom_margin_last_edited=”on|tablet” button_text_size_tablet=”18px” button_text_size_phone=”15px” button_text_size_last_edited=”on|tablet” button_text_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

How Does It Work?Who Is RAYA For? Raya is crafted with the well-being of both Employers and Employees in mind. RAYA fosters a motivated and content workforce. By offering this benefit, companies demonstrate their commitment to their employees’ financial wellness, increasing Employee loyalty, productivity, and retention. RAYA offers immediate access to their hard-earned wages, providing […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-39","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/shorakaraya.com\/index.php\/wp-json\/wp\/v2\/pages\/39","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/shorakaraya.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/shorakaraya.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/shorakaraya.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/shorakaraya.com\/index.php\/wp-json\/wp\/v2\/comments?post=39"}],"version-history":[{"count":42,"href":"https:\/\/shorakaraya.com\/index.php\/wp-json\/wp\/v2\/pages\/39\/revisions"}],"predecessor-version":[{"id":982,"href":"https:\/\/shorakaraya.com\/index.php\/wp-json\/wp\/v2\/pages\/39\/revisions\/982"}],"wp:attachment":[{"href":"https:\/\/shorakaraya.com\/index.php\/wp-json\/wp\/v2\/media?parent=39"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}