Paywatch Malaysia is a free iPhone app developed by Paywatch Global Pte Ltd. It falls under the category of Business & Productivity, specifically in the Finance subcategory. This app aims to help users facing issues paying bills and expenses on time, as well as provide cash in emergency situations.

With Paywatch, users can access their earnings before payday, even if they have only worked for one day. The app partners with major Malaysian banks to offer low-cost financing, allowing users to access their earnings immediately. This eliminates the need to wait, borrow, or pay high interest rates.

The process is simple and can be completed in four steps. First, users need to work and accumulate their hours on the Paywatch app. Then, they can track their earnings, which are converted from the hours worked. Once they want to withdraw their earned wages, they can do so directly from the app, without having to wait until the end of the month for payday. On payday, users will receive an invoice of their salary and the amount withdrawn for confirmation.