On-Demand Pay

An Employee’s Guide to Using On-Demand Pay: A case study of John of EHA Clinics

For John, the distance from his house to EHA Clinics meant he had to spend a lot on transportation daily. He also had other financial obligations which put him in a bind. 

He never considered borrowing a viable option due to the exorbitant interest rates attached to such loans. Turning to his colleagues for assistance was also off the table, as he didn’t want to expose his vulnerability. As the eldest child in his family, responsible for providing for his siblings, seeking their help wasn’t an option either. John felt as if all hope was slipping away.

One day, a ray of hope emerged when the HR department at EHA Clinics introduced Earnipay’s On-Demand Pay as a workplace benefit. It felt like a miracle, and John’s prayers had finally been answered. Now, he could access the financial assistance he desperately needed without the burden of high-interest loans or the risk of exposing his vulnerability to others.

What does Earnipay’s On-Demand Pay Offer?

Earnipay’s On-Demand Pay is a workplace benefit that allows employees to access their earned salaries before payday, enabling them to better manage their finances and avoid costly borrowing options like payday loans.

The ultimate goal is to ensure employees have an improved quality of life.

John now had little to nothing to worry about as he could easily access his earned salaries when the need for it arose. His colleagues also attested to the fact that there has been a drastic reduction in the money worries they’ve had since the introduction of Earnipay’s On-Demand Pay solution to the company. Rather than having to wait for their scheduled payday, they were able to access their earned salaries as soon as they needed them. This was particularly helpful in emergency situations when unexpected expenses arose.

There had also been a 30% reduction in the recurring debt cycle that plagued his colleagues.

With Earnipay’s On-Demand Pay, they were able to avoid having to turn to high-interest loans to cover these expenses, which could ultimately lead to less financial stress and improved financial health.

John’s Sign-Up Process

Step 1: Onboarding

John was onboarded by his HR who had already shown interest in Earnipay’s On-Demand Pay solution for employees. This process was a swift one and their accounts were created in no time.

Step 2: Account Verification

John proceeded to download the Earnipay app (It is available on Google Playstore and Appstore) and verified his account. This process involved:

  • Inputting his phone number.
  • Verifying with the OTP that was sent to that number.

Step 3: Pin Creation

Following that, he generated his access PIN and verified his bank information. 

In under five minutes, John was fully prepared to begin enjoying all the incredible advantages that Earnipay had to provide him. With Earnipay, it was effortless for him to access his earned salary at any time. 

Even on days when internet access was unavailable, he utilized the USSD code *347*729# to make withdrawals.

How Earnipay’s On-Demand Pay Works

Your monthly salary is prorated based on the number of days in a month. So, you receive a notification at 5 p.m. every day that your Earnipay account has been credited. You can withdraw the funds whenever you want.

However, please note that you are only able to access 50% of your total earnings prior to payday, although your employer may choose to raise this limit. This policy was implemented to promote financial responsibility.

You might be interested in How To Use On-Demand Pay


If an employee desires to improve their financial stability and decrease their debt cycle, Earnipay’s On-Demand Pay is the solution. To take advantage of this solution, simply refer your employer or HR department to us. 

They can contact us at sales@earnipay.com  or schedule a demo by following this link.

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