Are you tired of waiting for your salary every month?
80% of your employees are too. With EWA, you can withdraw your earned salary, anytime, anywhere in 30 seconds via the ABHI phone app or SMS.
Shariah Compliant Abhi App
With the Abhi mobile app, access your earned salary anytime, anywhere with just a few taps on your smartphone. Track your transactions, set up alerts, and take control of your finances.
Abhi App
With the Abhi mobile app, access your earned salary anytime, anywhere with just a few taps on your smartphone. Track your transactions, set up alerts, and take control of your finances.
SMS
Get access to your earned wages conveniently with our SMS feature. Simply send a text message to 82244 and unlock your salary instantly.
Abhi Card
With Abhi Salary Card, experience seamless transactions. Now, simply swipe your card at any point of sale or ATM to access your earned wages instantly.
AbhiSalary
Features
- Buy Now Pay Later
- Abhi Salary Card
- Transfer Money to loved ones
- Utility Bill Payments
- Easy Paisa Transfers
- Mobile Top-up
- Auto Salary Deposit
How it
works
Step 1
Company onboards
The company gets onboard with ABHI and employees download the ABHI mobile app
Step 2
Check your Balance
The balance is shown on the app, which increases every day as they work, with the maximum amount on the last day of the month.
Step 3
Transact
Employees enter the amount that they require and select the receiving account (existing or add new) and send the money in 30 seconds.
Step 4
Transaction Charges
The only time ABHI charges a fee is when employee transacts, at Flat Rs 150 charged on the transaction which will be deducted from employee’s monthly payroll
Step 5
Payroll Process
The company will deduct the transacted amount along with fees from employee’s salary, and process the payroll on the payout day
Step 6
Repayment
The accessed salary amount along with fee charges will be deposited into ABHI’s account by your company before the due date
Step 7
Repeat
Your employees keep accessing their salaries when they need it, and we keep being the friend in need who helps them indeed
A step-by-step process of the user journey from your company getting onboard to your employees accessing their salary before payday
How it
works
A step-by-step process of the user journey from your company getting onboard to your employees accessing their salary before payday
Step 1
Company onboards
The company gets onboard with ABHI and employees download the ABHI mobile app
Step 2
Check your Balance
The balance is shown on the app, which increases every day as they work, with the maximum amount on the last day of the month.
Step 3
Transact
Employees enter the amount that they require and select the receiving account (existing or add new) and send the money in 30 seconds.
Step 4
Transaction Charges
The only time ABHI charges a fee is when employee transacts, at Flat Rs. 150 charged of the transaction amount which will be deducted from employee’s monthly payroll
Step 5
Payroll Process
The company will deduct the transacted amount along with fees from employee’s salary, and process the payroll on the payout day
Step 6
Repayment
The accessed salary amount along with fee charges will be deposited into ABHI’s account by your company before the due date
Step 7
Repeat
Your employees keep accessing their salaries when they need it, and we keep being the friend in need who helps them indeed
Why it's important to financially
empower employees
conducted a study on Earned Wage Access
Find out how it can elevate employee happiness & productivity
of the employed
population earns less than or equal to PKR 76,900*
employees face unexpected expenses that can’t be paid through their monthly salary*
of employers believe that employees’ morale and well-being at work is affected when they can’t access funds in an emergency*
of the working individuals feel positive about the companies who offer EWA as an added benefit*
Here
to Help
Some Frequently Asked
Questions
Time to get your company onboarded then, because the answer is NO 🥲
If you are HR, good. If not, you can ask your HR about the cool benefit you’ve found and make them get in touch with us, we will reach out to them and make sure you and your colleagues get the EWA facility.
Before the payroll date, your company will get the invoice with the amount accessed by your employees (with fees) which can be paid within 10 days to ABHI via cheque, IBFT, RTGS or Bank Transfer into your designated repayment account.
It is set to 50% of their earned salary by default. Can be changed if the company requires
There is no sign up or subscription fee for your employees or your company, only employees will get charged a small fee per transaction that they will pay from their final payroll at the end of the month.
Flat Rs. 150 charged per transaction, regardless of how big or small it is.
