Earnipay is building an earned wage access platform. The platform integrates with companies’ existing payroll or HRM systems to offer its services to employees, who can then track and withdraw their accrued salaries via the app anytime. Earnipay makes these payments on behalf of the company. At the end of each month, these companies reimburse Earnipay. Earnipay’s revenues come from charging employees a fee for accessing a part of their salary early.

Most of Africa’s workforce gets paid monthly but lives from paycheck to paycheck. Unlike more developed countries, where weekly or bi-weekly salaries can take care of this lifestyle, low monthly wages, the norm in Africa, can’t. As a result of this, income-earners take salary advances or borrow money from payday lenders to offset their daily expenses, potentially falling into a debt cycle. Earnipay's solution tries to solve this.

Earnipay launched its services in January 2022 and is collaborating with +100 companies. Their plan is to offer its on-demand salary solution to 200,000 employees by the end of 2022. In early 2022, the company raised $4M in seed financing.