Dosh vs Jify
Dosh
dosh.co.zaJify
jify.coSide by side
| Figure | Dosh | Jify |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | — |
| Android | Yes | Yes |
| Plans published | 1 | 0 |
| Spec score · Earned Wage Access Software | 8.2 (#3) | 7.1 (#10) |
| Employer cost | Dosh says offering the benefit costs the business nothing, as Dosh funds advances upfront and recovers them through payroll. | Jify says there are no costs to the company for offering the service. |
| Headquarters | Bloemfontein, South Africa | Jify's terms list its address as Santacruz West, Mumbai, Maharashtra, India. |
| 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. | Jify is an employer-partnered financial wellness service that lets employees access a portion of their earned income before payday. |
| Repayment | The amount accessed plus the transaction fee is deducted from the employee’s next payday and itemised on the payslip. | The employer deducts the advance from month-end salary and pays Jify; repayment in three fixed EMIs is available only if the employer chooses that option. |
| Security | Dosh says it uses bank-grade encryption, strict access controls, and audit trails for advances and transactions. | Jify says employee data is behind firewalls and is not shared with third parties for commercial purposes. |
| Support | Dosh lists technical support at +27 (0) 83 677 4018 and [email protected]. | Jify lists customer support by phone at 08044656300 and by email at [email protected] or [email protected]. |
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.
Jify
Jify is an Android app that employers can offer for on-demand access to earned salary and financial-wellness tools. Employees create accounts free of charge, but eligibility requires an employer partnership and employer-set limits; Jify says available access can range from 50% to 100% of salary. Earned salary access carries no interest, with a listed processing fee as low as ₹ 5 per transaction. The employer deducts advances from month-end salary, while three fixed EMIs are available only when the employer selects that option. The app includes a credit-score tracker, bill pay, budgeting, financial counselling, rewards, discounts, savings tools, and a money manager. Jify describes transfers within 30 minutes and top-ups up to 5× salary. Savings include digital gold from ₹1 and fixed deposits from ₹1,000.