Dosh vs Hastee

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.

Hastee is an employee financial wellbeing platform that combines access to earned wages with tools for tracking pay, saving, learning about finances, and finding discounts. Employees can withdraw part of their earned wages before payday, follow shifts, earnings, and withdrawals during a pay period, or schedule recurring withdrawals. Hastee Savings supports setting aside a fixed amount, making goals, and accessing saved funds at any time. Hastee Learn provides personalised education, news, tips, interactive modules, tools, and an AI-powered financial assistant; Hastee Discounts lists offers on everyday essentials and selected brands. Employers choose available features, set withdrawal limits and thresholds, and can apply their own branding. The service connects to more than 80 time, attendance, workforce management, and payroll systems, with API and SFTP options. Workers can sign up with a work email only if their employer offers Hastee. Employer pricing is custom, with options from zero platform fees to all-inclusive pricing; employees may pay a fee per withdrawal. The employee app is available on iPhone and Android, alongside web and API access.