Corporate Schemes

Pine.ng partners with forward-thinking companies to give their employees access to quality products through flexible salary-linked payments.

With Pine.ng, you can settle your essential bills quickly and conveniently — so you spend less time worrying about payments and more time doing what matters.

What is the Employee Purchase Scheme?

How It Works

1. 1. Company Partnership - Your organisation signs up as a partner and sets the terms (eligible staff, credit limits, repayment period, etc.).
2. 2. Staff Access - Approved employees receive access to shop on Pine.ng with a pre-approved purchasing limit.
3. 3. Employee Purchases - Staff choose the products they need and complete their purchase on the platform.
4. 4. Salary Deduction - The monthly repayment is deducted directly from the employee’s salary and remitted to Pine.ng.
5. 5. Simple Reporting - Your HR or finance team receives clear monthly reports of all deductions.

Benefits for the Company

1. 1. Improves employee satisfaction and loyalty
2. 2. Positions your organisation as a staff-friendly employer
3. 3. Requires minimal administrative effort
4. 4. No need to provide company loans or salary advances
5. 5. Helps staff meet personal needs without financial pressure
6. 6. Strengthens your overall employee value proposition

Benefits for Employees

1. 1. Access to genuine products without paying the full amount upfront
2. 2. Convenient repayment through salary deduction
3. 3. No need for traditional bank loans or guarantors
4. 4. Ability to get essential items (phones, laptops, home appliances, etc.) when needed
5. 5. Transparent and manageable monthly payments

Key Features

1. 1. Pre-approved staff access based on company agreement
2. 2. Flexible repayment tenors
3. 3. Real-time purchase tracking
4. 4. Monthly deduction reports for HR/Finance
5. 5. Option to set maximum purchase limits per employee
6. 6. Secure and structured repayment process

Ideal For

1. 1. Companies with salaried employees
2. 2. Organisations looking to improve staff welfare
3. 3. Businesses that want to offer meaningful benefits without heavy cost
4. 4. Organizations that want easy cashflow, while members pay partially

Next Step

1. 1. Companies with salaried employees
2. 2. Organisations looking to improve staff welfare
3. 3. Businesses that want to offer meaningful benefits without heavy cost
4. 4. Organizations that want easy cashflow, while members pay partially