Earnipay

Earnipay is a Nigerian fintech company founded in 2021, headquartered in Lekki, Lagos.

The company offers an earned wage access platform that allows employees in the formal sector to access a portion of their accrued salaries on-demand before regular pay cycles. This service is designed to improve financial wellness for employees and enhance workplace productivity for businesses. Earnipay provides various financial tools for both individuals and employers. Employees can withdraw up to 50% of their daily earned wages interest-free, along with access to savings accounts, personal loans, and financial education resources. For businesses, Earnipay integrates with existing payroll systems to facilitate early wage withdrawals at no cost to the employer, while also offering payroll management services, bulk payment capabilities, and business loans. The company primarily serves formal sector businesses and their employees in Nigeria.