Dosh vs EarnIn for Employers

Dosh is an earned wage access platform for employees of participating companies. It connects to an employer’s payroll system to track wages as they accrue, allowing eligible employees to request up to 25% of their monthly salary before payday. By default, employees may request one advance per week, though employers can configure a different limit. Dosh charges a flat 10% transaction fee on the amount requested. The amount accessed and fee are deducted from normal pay on the next payday and itemised on the payslip. Approved funds are sent to a bank account or mobile wallet, often within minutes. Dosh describes wage access as not a loan and says it involves no credit check or interest. Employees need a participating employer with integrated payroll, a South African ID, mobile number, bank account, and three months of bank statements to sign up. The Android app is available on Google Play; Dosh says iOS is coming soon. The company says it uses encryption, access controls, and audit trails, and does not sell personal data. Dosh says the benefit costs employers nothing to run.

EarnIn for Employers gives employees access to a portion of their pay before payday. EarnIn says employees can take out up to $100 per day and $750 per pay period, subject to available earnings and applicable limits. Cash Out has no interest, credit check, or mandatory fees. The service is offered to employers seeking to support recruitment, retention, and employee satisfaction, and EarnIn says it funds all cash employees access without cost or risk to the business. Employers do not need to connect HCM, payroll, timekeeping, or benefits systems, and EarnIn says the service does not change payroll processes or business operations. Employees can also use Experian-powered credit monitoring, Balance Shield low-balance alerts and automatic transfers, and Tip Yourself savings. Android and iOS apps are listed. EarnIn says it does not sell personal or employment information, and notes that its services may not be available in all states. Employers can schedule a demo to discuss their organization's needs.