Earned Wage Access

Employees are able to access their earned but unpaid salary anytime, anywhere via the app or SMS. They can withdraw their salary, pay their bills and send money to family or friends whenever they want. With ABHI, employees can work without financial stress and employers can enjoy higher productivity.

How It Works

Step-by-step process of the user’s journey

Access your Salary in 30 Seconds

Step 1

Download the App,
and Login using your
CNIC Number.

Step 2

Check your balance on
the Homescreen and
click on (Nikalo Abhi)
to access the amount.

Step 3

Enter the amount you
require and select your
account.

Step 4

Check your details and click confirm and your amount will be transferred into your account within 30 seconds.

Use Cases

When and where can this be used?

Why it's important to financially empower employees

0 %
of the employed
population earns less
than or equal to
PKR 76,900*
0 %
employees face
unexpected expenses
that can’t be paid
through their monthly
salary*
0 %
employees showed
interest in using the
Earned Wage Access
service*
0 %
of employers believe that employees’ morale
and well-being is affected
when they can’t access
funds in an emergency*

*In Research report conducted by EY on ‘Earned Wage Access Market in Pakistan 2022’

Use Cases

When and where can this be used?

Here To Help

Your questions, answered
Can I use ABHI if my company is not onboarded?
Just speak to the HR department at your organization and make sure you are added to the system. You should have no problem signing in!
How do I get my company onboard?
You can ask your HR about the cool benefit you’ve found and make them get in touch with us via our contact us page, we will reach out to them and make sure you and your colleagues get the EWA facility.
How does the repayment work?
The owed amount is paid to ABHI by your employer along with the Rs.100 service fee and your remaining salary is credited to you in the next payroll cycle.
How much salary can I access using ABHI?
Upto 50% of your earned salary.
What is the subscription or signup fee?
There is no sign up or subscription fee for you or your company, you only pay when you transact.
How much does ABHI charge?
Rs. 100 per transaction, regardless of how big or small it is.

Still Got Questions?

Contact our friendly helpline, or visit the FAQ page to find answers to your questions/queries.

Why it's important to financially empower employees

0 %
of the employed population earns less than or equal to PKR 76,900*
0 %
employees face unexpected expenses that can’t be paid through their monthly salary*
0 %
employees showed interest in using the Earned Wage Access service*
0 %
of employers believe that employees’ morale and well-being is affected when they can’t access funds in an emergency*

*In Research report conducted by EY on ‘Earned Wage Access Market in Pakistan 2022’

Use Cases

When and where can this be used?

Here To Help

Your questions, answered
Can I use ABHI if my company is not onboarded?
Just speak to the HR department at your organization and make sure you are added to the system. You should have no problem signing in!
How do I get my company onboard?
You can ask your HR about the cool benefit you’ve found and make them get in touch with us via our contact us page, we will reach out to them and make sure you and your colleagues get the EWA facility.
How does the repayment work?
The owed amount is paid to ABHI by your employer along with the Rs.100 service fee and your remaining salary is credited to you in the next payroll cycle.
How much salary can I access using ABHI?
Upto 50% of your earned salary.
What is the subscription or signup fee?
There is no sign up or subscription fee for you or your company, you only pay when you transact.
How much does ABHI charge?
Rs. 100 per transaction, regardless of how big or small it is.

Still Got Questions?

Contact our friendly helpline, or visit the FAQ page to find answers to your questions/queries.

Why it's important to financially empower employees

*In Research report conducted by EY on ‘Earned Wage Access Market in Pakistan 2022’

Use Cases

When and where can this be used?

Here To Help

Your questions, answered
Can I use ABHI if my company is not onboarded?
Just speak to the HR department at your organization and make sure you are added to the system. You should have no problem signing in!
How do I get my company onboard?
You can ask your HR about the cool benefit you’ve found and make them get in touch with us via our contact us page, we will reach out to them and make sure you and your colleagues get the EWA facility
How does the repayment work?
The owed amount is paid to ABHI by your employer along with the Rs.100 service fee and your remaining salary is credited to you in the next payroll cycle
How much salary can I access using ABHI?
Upto 50% of your earned salary.
What is the subscription or signup fee?
There is no sign up or subscription fee for you or your company, you only pay when you transact.
How much does ABHI charge?
Rs. 100 per transaction, regardless of how big or small it is.

Still Got Questions?

Contact our friendly helpline, or visit the FAQ
page to find answer your queries

Here To Help

Your questions, answered

Still Got Questions?

Contact our friendly helpline, or visit the FAQ
page to find answer your queries

Check Out What Our Users
Have To Say About Us

Check Out What Our Users
Have To Say About Us

Just speak to the HR department at your organization and make sure you are added to the system. You should have no problem signing in!

You can ask your HR about the cool benefit you’ve found and make them get in touch with us via our contact us page, we will reach out to them and make sure you and your colleagues get the EWA facility

The owed amount is paid to ABHI by your employer along with the Rs.100 service fee and your remaining salary is credited to you in the next payroll cycle

Upto 50% of your earned salary.

There is no sign up or subscription fee for you or your company, you only pay when you transact.

Rs. 100 per transaction, regardless of how big or small it is.

Still Got Questions?

Contact our friendly helpline, or visit the FAQ page to find answer your queries