Dosh vs NTT DATA Payment Services EWA
Dosh
dosh.co.zaNTT DATA Payment Services EWA
in.nttdatapay.comSide by side
| Figure | Dosh | NTT DATA Payment Services EWA |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 1 | 1 |
| Spec score · Earned Wage Access Software | 8.2 (#3) | 6.9 (#12) |
| Headquarters | Bloemfontein, South Africa | Mumbai, Maharashtra, India |
| Security | Dosh says it uses bank-grade encryption, strict access controls, and audit trails for advances and transactions. | The maker says EWA uses NTT DATA Group payment infrastructure with payment-industry security standards, full auditability, and role-based access controls. |
| Support | Dosh lists technical support at +27 (0) 83 677 4018 and [email protected]. | The company’s customer-care page lists [email protected] and phone support at 1860 266 4959. |
| What it does | Dosh lets employees at participating employers access part of the wages they have already earned before payday. | Lets employees withdraw part of their already earned salary before payday; the maker says it is not a loan, carries no interest, and does not affect the employer’s payroll cycle or cash flow. |
Plans
NTT DATA Payment Services EWA
- NTT DATA Payment Services EWAPriced on request
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.
NTT DATA Payment Services EWA
NTT DATA Payment Services EWA is a paid earned-wage access service for employers and employees. It lets employees withdraw part of salary they have already earned before payday; the maker says this is not a loan, has no interest, and does not alter the employer’s payroll cycle or cash flow. The employee mobile app shows earned balances, accepts withdrawal requests, and sends payouts instantly to a wallet with UPI flexibility. Employers connect EWA to HRMS or payroll systems with minimal configuration, or use Excel-based payroll. Its HR portal supports eligibility rules, withdrawal limits, approvals, transaction monitoring, and usage controls by company policy or employee profile. Withdrawn amounts are deducted automatically on salary day, with payroll-aligned reports for reconciliation. The service targets large frontline, gig, and blue-collar workforces. It runs on Android and the web; pricing is available on request.