Dosh vs Otex
Dosh
dosh.co.zaOtex
otexapp.comSide by side
| Figure | Dosh | Otex |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| Android | Yes | — |
| Plans published | 1 | 0 |
| Spec score · Earned Wage Access Software | 8.2 (#3) | 6.9 (#13) |
| 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. | Earned wage access is limited to eligible employees of participating employers and requires verification and approval. |
| Employer cost | Dosh says offering the benefit costs the business nothing, as Dosh funds advances upfront and recovers them through payroll. | The site advertises zero employer cost and says Otex funds withdrawals. |
| Headquarters | Bloemfontein, South Africa | The site lists an address at 2 Olabisi Close, off Mende Road, Maryland, Lagos. |
| 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. | Otex describes itself as a salary management and earned wage access platform for African workforces. |
| Repayment | The amount accessed plus the transaction fee is deducted from the employee’s next payday and itemised on the payslip. | The site says deductions settle automatically on payday. |
| Security | Dosh says it uses bank-grade encryption, strict access controls, and audit trails for advances and transactions. | The site claims NDPR-aligned protections, AES-256 data transit, and active pattern detection. |
| Support | Dosh lists technical support at +27 (0) 83 677 4018 and [email protected]. | The site lists [email protected] and +234 809 052 9833 for contact. |
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.
Otex
Otex is a web-based salary management and earned wage access platform for African workforces. Eligible employees at participating employers can access up to 50% of earned but unpaid wages before payday, subject to verification and approval, with deductions settled automatically on payday. Its digital wallet supports bank transfers, airtime and data purchases, balance tracking, statement logs, locked savings vaults, biometric signatures, and peer-to-peer ledger actions described as free. Otex lists integrations with SeamlessHR, PaidHR, Zoho Books, Xero, Sage 50, QuickBooks, and Wave. Its SeamlessHR connection synchronizes rosters, maps salary deductions, and provides an end-of-month reconciliation feed. The company advertises zero employer cost and says it funds withdrawals. Otex describes NDPR-aligned protections, AES-256 data transit, and active pattern detection. Otex Solutions Ltd says it is a technology company rather than a bank; financial services come through licensed partners backed by Paystack MFB and United Bank for Africa. Pricing is on request, with transaction processing charges described but no numeric fee shown.