Your salary is alreadyyours. Payday is justa date.

You have worked part of this month. Take up to a third of what you have earned, today, and let payday settle it. No interest when your employer is on Wagezapp.

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Operated by Fiinwage Ltd

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In the app

Open it, see your salary. Take how much you need.

The home screen shows what you have earned, what is available today and what payday will take back. Three taps and it is in your bank account.

Your earned payPart of this month is already yours. Take up to a third of it without waiting for payday.
Nothing on your sideWhen your employer is on Wagezapp the advance costs you nothing, and payroll settles it.
Save as you goPut money aside, earn on it, and build a WageScore that raises what you can take.
9:41
AO
Good morning
Hi, Adaeze
Available salary advance
₦39,996
Your earned pay. Ready when you need it.
No fee. Your employer covers it.
AdvanceSaveRewardsActivity
Your salary this month₦240,000
Earned so far ₦120,00015 days to payday
Your savings
₦64,500
A little more peace of mind
Your WageScore
688 / 900
Steady, +24 this month

Recent activity

See all
Salary advance18 Sep · Sent to your account₦20,000
Savings deposit12 Sep · Successful₦5,000
HomeSavingsRewardsScoreProfile
How it works

Two ways in, depending on your employer.

Everything else on this page describes the first one. This is both, side by side.

  1. 1
    Your employer puts you on itThey subscribe and upload their workforce. You get an invite, confirm who you are, and that is the setup done.
  2. 2
    You see what you have earnedThe home screen shows the part of this month you have already worked, and how much of it you can take today.
  3. 3
    You take what you needUp to a third of what the cycle has already paid you. Three taps and it is in your bank account.
  4. 4
    Payday settles itIt comes back through the payroll deduction your employer was already making. No interest, nothing to transfer, no card to charge.

The advance costs you nothing while your employer is subscribed.What it costs you

Why it is different

Built so that taking your own money costs you nothing.

No interest on your advance

When your employer subscribes, the cost sits with them, not with you. You take what you earned and you repay exactly that.

It comes out of payroll

No card to charge, no direct debit chasing your account, no reminder to miss. The deduction happens where your salary already happens.

Your savings stay yours

Money you put aside in Wagezapp is never held back against an advance. You can withdraw your savings whenever you want.

If your employer is not on Wagezapp

You can still draw the pay you have earned.

Wagezapp works either way. Where your employer subscribes, the advance costs you nothing and payroll settles it. Where they do not, it is funded by a licensed lender rather than by Fiinwage, and it carries one fee that you see in full before you confirm anything.

  • IllustrationONE FEE2.5%of what you draw₦ONCE₦200never below₦2,500never above
    One fee, and no interestCharged once, when you draw. Nothing accrues, and the amount does not grow while you hold it.
  • You see it before you confirmThe fee, the date it comes back and the total are on the screen first. Nothing is ever deducted that you were not shown.
  • Seven days of room if something goes wrongRepayment is by direct debit on your payday. If it fails you have seven days with nothing added and a reminder every day.
  • Your employer can change it laterThe moment they come on to Wagezapp your next advance is the free one. An advance already running keeps the terms it started on.
For employers

Give your team their pay early.

Wagezapp settles on payday out of the deduction you were already making. You are not asked to fund anything, and you are not asked to chase anyone. Ten staff is enough to start.

Put your staff on the list

No. Your staff draw pay they have already earned, and it comes back through the payroll deduction you were already making. The advance is not funded out of your account.

You upload your workforce in one file and confirm who works for you. Staff are checked against that list, so nobody can draw an advance against a job they do not hold.

Nothing in interest, while you are subscribed. The cost sits with you, and your people repay exactly what they drew. They can take up to a third of what the cycle has already paid them.

Ten staff is enough to start. That threshold is set by Fiinwage and is still provisional, so it is worth confirming with us before you plan around it.

It can. N-Ployer computes PAYE, pension and NHF, generates payslips and produces a net pay schedule, with outstanding advances applied inside the run rather than reconciled against it afterwards. Filing to FIRS, PenCom and FMBN stays your process at launch.

Then connect to it. There is an employer API, so you can keep the system you have and still give your staff the advance.

Payroll that computes

PAYE, pension and NHF worked out for you, with payslips and a net pay schedule at the end of the run.

One place for people

Employee records, documents, leave and attendance, instead of a spreadsheet and a folder of scans.

Deductions inside the run

Outstanding advances are applied as the payroll is computed, not reconciled against it afterwards.

An API if you have a system

Already running payroll somewhere else? Connect to it directly instead of moving into another portal.

Payroll computes your statutory liabilities and produces schedules you can file. Filing to FIRS, PenCom and FMBN stays your process at launch.

Your pay starts moving here.

Take what you have already earned, today. No interest when your
employer is on Wagezapp, and payday settles it for you.

Join the waitlist I employ people
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