DAPY is a financial wellness platform that allows employees to access a portion of their earned salary before payday. It helps manage cash flow, avoid high-interest loans, and reduce financial stress while staying fully aligned with employer payroll systems.

DAPY connects with your employer’s HR or payroll system to calculate your earned income in real time. You can transfer part of your earned salary to your bank, wallet, or DAPY Card. It can also work as a standalone solution with limited features.

No. DAPY is not a loan. It gives you access to money you have already earned. There is no interest, no debt, and no repayment burden. Only what is used is paid back.

Yes. You can register and use features like savings, bill payments, and wallet tools. Full salary-access features activate once your employer joins DAPY.

Your accessible balance is the real-time portion of your earned salary that you can withdraw before payday. It updates automatically based on approved work hours.

DAPY uses employer-submitted payroll data such as hours worked, shifts, and approvals. Taxes and statutory deductions are applied before calculating the accessible amount.eg 7% deduction refundable if your salary is below government approved range.

With drawal limits depend on your employer’s policy and your DAPY verification tier. Most users can access between 50% and 75% of their earned salary.

Open the DAPY app, tap Salary, select Cashout, choose an amount, and send it to your DAPY Wallet, Card or Bank account. The remaining salary is paid normally on payday.

Yes. You can make multiple withdrawals as long as you remain within your daily limits and your accessible balance.

No. Signing up for DAPY is completely free. Fees only apply when you choose instantor same-day withdrawals.

Yes. Fees vary based on transfer speed. Instant cashouts attract a fee, while basic transfers may be free or delayed.

It means your employer pays part or all of the withdrawal fees on your behalf, making access cheaper or completely free for you.

Sometimes. Some employers cover all fees, while others offer partial subsidies such as free transfers or discounted instant cashouts.

Yes. Any amount you don’t access early is paid in full on payday. DAPY does notchange your employer’s payroll cycle.

Repaymentis automatic. Any amount you access early is deducted from your salary onpayday. No manual repayment is required.

No. Taxes, pension, and statutory deductions remain exactly the same. DAPY only changes when you receive part of your salary.

No. DAPY does not affect your taxes. All tax calculations are handled by your employer through normal payroll processes.

Instant withdrawals take seconds. Free basic transfers may take 1–3 business days depending on your bank.

Your balance may be affected by taxes, employer-set access limits, or pending payroll approvals.

Check your bank details and network connection, then retry. If the issue persists,contact DAPY Support for resolution.

DAPY uses bank-grade encryption and complies with NDPR and CBN security standards. All user data is protected end-to-end.

No. DAPY does not sell or share personal data. Only essential operational data is shared with regulated financial partners.

Yes. DAPY complies with Nigerian labor laws, NDPR, and CBN regulations.

Download the app, create an account, link your employer if available, completeverification, and view your accessible balance.

You will need your name, phone number, email, BVN, NIN, employer details, and bank information.

Your DAPY account remains active. You simply update your new employer’s details, and access adjusts based on your new employer’s settings.