Dosh vs Immediate
Dosh
dosh.co.za
Immediate
joinimmediate.comSide by side
| Figure | Dosh | Immediate |
|---|---|---|
| Price from | — | Free |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | Yes | Yes |
| Plans published | 1 | 1 |
| Spec score · Earned Wage Access Software | 8.2 (#3) | 7.9 (#5) |
| Eligibility | Employees must work for a company partnered with Dosh and have payroll integration, a valid South African ID, a South African bank account, and completed identity and FICA verification. | Employees can use ImmediatePay only when their employer is signed up and they receive an invitation email with a unique enrollment code. |
| Headquarters | Bloemfontein, South Africa | Birmingham, Alabama, United States |
| Product | Dosh is an earned wage access platform that lets employees at participating companies access part of the wages they have already earned before payday. | ImmediatePay lets eligible employees access earned pay between paydays through an employer-provided benefit. |
| Security | Dosh says it uses bank-grade encryption, strict access controls, and audit trails for advances and transactions. | Immediate says it uses physical, technological, and organizational measures to protect personal information, and its cashless tips page says personal data is encrypted at rest and in transit. |
| Support | Dosh lists technical support at +27 (0) 83 677 4018 and [email protected]. | Immediate lists support by chat, email, and phone, with support hours Monday through Friday, 24 hours a day. |
Plans
In their own words
Dosh
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.
Immediate
ImmediatePay is an employer-provided benefit that lets eligible employees access earned pay between paydays. Employees can view available earnings in the app and transfer funds to a bank account or debit card. Immediate says debit-card transfers may arrive in as little as 30 minutes, while ACH timing depends on the bank’s operating hours. It charges no interest and describes early wage access as having a small, nominal flat fee; access through merchant cards, paycard, and next-day ACH is free. Employers can offer cashless tips through their existing payroll process and push off-cycle payments for corrections, bonuses, rewards, tips, and termination pay. Those payments are reconciled against the next regular check date. Immediate lists payroll integrations including ADP Workforce Now, APS, BambooHR, Paychex, Paycor, Paylocity, TriNet, and UKG Pro, and says most new integrations can be completed in as little as two weeks. The service is available on Android, iOS, and web. Employees need an invitation and unique enrollment code from a participating employer to use ImmediatePay. The employer plan is listed as free, with no long-term contracts stated.