Side by side
Dosh vs Payflow
Both stand on earned wage access software. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Paid AndroidWeb
Dosh offers eligible employees a way to receive some accrued wages before payday, with repayment taken from normal pay on the next payday. Check the fee and employer eligibility, and note that the default limit is one advance per week.
Visit Dosh
Paid AndroidAPIiPhone+1
Payflow combines earned wage access, flexible benefits, and employee financial education with HR administration tools. Employees can use it only through a subscribing employer.
Visit PayflowThe facts
| Dosh | Payflow | |
|---|---|---|
| Free plan | Not published | Not published |
| Open source | Not published | Not published |
| Runs on | Android, Web | Android, API, iPhone, Web |
| Lowest paid plan | Employee wage access: 10 ZAR, paid once | Not published |
| Plans published | 1 | None |
| Maker | Not published | Not published |
| Website | dosh.co.za | payflow.es |
| On earned wage access software | #10 of 16 | #14 of 16 |
Dosh: what it does well
- Access up to 25% of monthly salary before payday
- Approved funds often arrive within minutes
- No credit check or interest, according to Dosh
- Advance and fee are itemised on the payslip
What to know first
- Requires a participating employer with integrated payroll
- Charges a flat 10% fee on the amount requested
- One advance per week by default
- The app is Android-only for now; iOS is coming soon
Payflow: what it does well
- Employees pay nothing for wage access and listed benefits.
- Flexflow includes meals, transport, childcare, training, and insurance.
- Integrates with more than 60 HR and payroll systems.
- Includes a public API for employee updates and payroll transactions.
What to know first
- Employees need an employer subscription and access grant.
- Employer pricing is available on request.
- Implementation takes 3–4 weeks.