1. Getting Started with DAPY (9 Questions)
1. What is DAPY?
DAPY is a financial wellness platform that gives you accessto a portion of your earned salary before payday. It helps you manage cashflow, avoid high-interest loans, and reduce financial stress while stayingfully aligned with employer payroll systems.
2. How does DAPY work?
DAPY connects with your employer’s HR or payroll system tocalculate your available earnings in real time. It can also function as astandalone solution, allowing you to transfer part of your earned salary toyour bank, wallet, or DAPY Card at any moment.
3. How do I get started with DAPY?
Download the DAPY app from the Apple App Store or GooglePlay Store, create an account, and link your employer (if partnered). Once youridentity is verified, you can immediately see your available balance and beginusing DAPY.
4. How do I sign up for DAPY?
Register using your phone number, email, and employerdetails, then connect your preferred bank or wallet. If your employer is notyet partnered, you can still register with reduced features until full accessbecomes available.
5. What information do I need during sign-up?
You will be asked for your name, phone number, email, BVN,NIN, employer details, and bank information. All data is encrypted andprocessed under strict privacy and security standards.
6. How long does sign-up take?
Sign-up takes about 5–10 minutes depending on how quicklyyou provide your details. Once complete, verification is instant for mostusers.
7. Is there a cost to sign up?
No, sign-up is completely free for all users. Fees onlyapply when you choose an instant or same-day cashout option.
8. Will I still receive my full salary on payday?
Yes, if you do not make early transfers, your full salary ispaid to your employer-registered account on payday. DAPY does not change youremployer’s standard payroll cycle.
9. Can I use DAPY if my employer isn’t partnered yet?
Yes. You can access features like savings, bill payments,and wallet tools while waiting for your employer to enroll. Full salary-accessfeatures activate once your employer joins.
2. Account Management (6 Questions)
10. How do I reset my password?
Tap “Forgot Password” on the login page and follow the resetlink sent to your email or SMS. Once completed, you can log in with your newcredentials.
11. How can I update my personal information?
Go to your Profile section and update details such as phonenumber, email, or address. Changes take effect immediately after verification.
12. What if I suspect unauthorized access?
Immediately update your password and enable extra securityfeatures such as 2FA. Then contact DAPY Support so we can secure your accountfully.
13. Are there maintenance fees for my account?
Yes, a small monthly maintenance fee applies after youupgrade to higher tiers for additional features like DAPY Credit and GroupSavings. Basic accounts remain free.
14. Can I change my phone number or email?
Yes, both can be updated in the Profile settings. You may berequired to verify changes for security purposes.
15. What if I have multiple jobs?
You can link more than one employer if both are DAPYpartners. Each employer must be linked using different email credentials forpayroll accuracy.
3. Earnings & Transfers (10 Questions)
16. What is my DAPY Accessible Balance?
It is the real-time amount of your earned salary that youcan withdraw before payday. This balance updates automatically based onapproved work hours.
17. How does DAPY calculate my earnings?
DAPY uses employer-submitted hours, shifts, and payroll datato determine your exact earnings. Taxes, pension, and statutory deductions areapplied before calculating your accessible balance.
18. When does my Accessible Balance update?
Balances typically update daily after shifts are logged orapproved. The timing depends on your employer’s payroll synchronizationschedule.
19. Why is my accessible balance lower than expected?
Pre-payroll deductions such as tax or pension may reduce theaccessible portion. Also, your employer may set a maximum percentage allowedfor early access.
20. What is the maximum amount I can withdraw?
Limits depend on employer policy and your DAPY KYC tier.Most users can access up to 50–75% of earned salary.
21. How do I access my earned salary?
Open the DAPY app, tap Salary, select Cashout, choose anamount, and send it to your DAPY Wallet or bank. Your remaining salary isautomatically processed on payday.
22. How long do withdrawals take?
Instant cashouts take seconds, while free basic transfersmay take 1–3 business days. Processing speed may depend on your bank.
23. Can I request multiple withdrawals?
Yes, provided you stay within daily limits and youremployer’s rules. You can cash out multiple times as long as earnings remainavailable.
24. What happens if I change jobs?
Your DAPY account stays active; simply update employerdetails in the app. Access will adjust based on your new employer’s settingsand DAPY partnership.
25. How do repayments work?
Repayments are automatically deducted from your salary onpayday. No manual repayment is required.
4. Banking & Transfers (9 Questions)
26. How do I link my bank account?
Navigate to Settings and add your bank details securely.Verification happens instantly in most cases.
27. What if I don’t have a bank account?
You can use a DAPY Wallet or DAPY Card as your primaryaccount. These function like a regular bank account for transfers and payments.
28. How do I set up my DAPY account with my employer?
Share your DAPY account or wallet details with your payrolldepartment. They will update it as your preferred salary destination.
29. How long do bank transfers take?
Instant transfers process immediately. Free basic transfersmay take up to 72 hours depending on bank processing times.
30. Are there transfer limits?
Yes, limits depend on your verification level and employerpolicies. Your active limits are displayed inside your KYC section.
31. How do I pay transfer fees?
Fees are deducted automatically from the withdrawal amount.No extra steps are required.
32. What if a transfer fails?
Check your bank details and network connection, then tryagain. If the issue persists, contact DAPY Support.
33. Can I use DAPY for bill payments?
Yes, you can pay airtime, utilities, TV subscriptions, andmore from your Wallet. Payments are processed instantly.
34. Can I send money to others?
You can transfer to other DAPY users instantly or send toany Nigerian bank account. Fees vary by transfer type.
5. Security & Privacy (9 Questions)
35. How does DAPY protect my data?
DAPY uses bank-grade encryption and complies with NDPR andCBN security standards. Your information is secured end-to-end.
36. Does DAPY share my data?
No, DAPY never sells or shares your personal information.Only essential operational data is shared with regulated financial partners.
38. How do I report fraud or phishing?
Forward suspicious messages to support@dapy.io and avoidclicking unknown links. Our team will review and secure your account.
39. Where can I find the Privacy Policy?
You can view it under the Legal section in the app or on ourwebsite. It explains how your data is collected, stored, and protected.
40. How do I delete my personal data?
You may request deletion under Account Privacy settings.Once processed, your account data will be permanently removed.
41. How do I update security settings?
Go to the Security section to change your password, managesessions, or lock your card. Updates apply instantly.
42. What security protects the DAPY Card?
The card includes chip-and-PIN, spending limits, cardlocking, and real-time transaction alerts. You can freeze or unfreeze itinstantly.
43. How does DAPY handle data breaches?
In rare events, users are notified immediately, andprotective actions are taken. Our systems continuously monitor suspiciousactivities.
6. Card & Wallet Features (8 Questions)
44. What is a DAPY Account?
It is a digital account for storing, managing, and spendingyour earnings. It works similarly to a standard bank account.
45. What are the benefits of the DAPY Account?
You get instant access to funds, spending controls, and billpayments. It also integrates fully with your DAPY Card.
Employer Fee Support – Access Benefits (10 Questions)
46. What does it mean when my employer supports DAPYfees?
It means your employer is helping reduce or completely coverthe transaction fees normally paid when you access your earned income early.This makes using DAPY cheaper – and sometimes completely free – for you.
47. How does this benefit me as an employee?
You save money every time you make an early withdrawal.Instead of paying a service fee yourself, your employer absorbs part or all ofthe cost, allowing you to access your earnings at a lower price or at no cost.
48. What types of fee support can employers offer?
Employers may offer:
- Full Fee Coverage – all instant or same-day withdrawal fees are paid by the employer.
- Partial Subsidy – the employer pays a portion of each fee, reducing your cost.
- Free Access Limits – a certain number of free withdrawals each month.
49. Why do employers offer fee support?
Because it:
- Reduces employee financial stress
- Improves attendance and reliability
- Boosts productivity and morale
- Helps employees avoid loans, overdrafts, and debt
- Improves retention and job satisfaction
When employees are financially stable, businesses performbetter.
50. Does employer support mean DAPY is free to use?
Sometimes yes – depending on your company’s policy.
Some employers offer fully free EWA benefits, while others offer reduced feessuch as:
- Free 3–5 hour transfers
- Discounted instant cashouts
51. Will I lose this benefit if I change jobs?
Yes. The fee support depends on your employer’s partnershipwith DAPY.
If you switch jobs, your new employer must also offer DAPY benefits for you toenjoy discounted fees again.
52. Does employer fee support affect my salary?
No. It does not reduce your pay.
This is a company-funded benefit, similar to health benefits or lunchsubsidies.
53. Are there any tax implications for me?
No. Employer-covered fees do not affect your salary or taxdeductions.
DAPY processes everything in line with local labor and tax regulations.
54. Do I get this benefit automatically?
Yes, if your employer has activated subsidized EWA for allstaff.
Some employers activate it for:
- all employees
- specific departments
- specific job grades
- or employees who complete a savings or attendance milestone
Your app will display the amount of fee your employercovers.
55. How will I know if my employer pays for some or allfees?
DAPY will show a clear message during withdrawal:
“Your employer benefit covers ₦___ of this withdrawal fee.”
You can also check your Benefits section in the app or ask HR.
7. Savings & AutoSave (6 Questions)
56. What is DAPY Digitized ROSCA Savings?
It is an automated version of traditional rotating groupsavings. Members contribute periodically, and each cycle one person receivesthe pooled amount.
57. How do I enroll?
Open the Savings section and choose your savings group orgoal. Setup takes less than a minute.
58. How do I contribute to savings?
Choose your desired contribution amount and frequency. Fundsare moved automatically so you never miss a cycle.
59. How do I withdraw from savings?
Withdrawals are released when it is your turn in the cycleor based on your savings-plan rules. Funds move to your wallet instantly.
60. What is AutoSave?
AutoSave lets you set automatic periodic savings towardgoals. It helps you build discipline without manual transfers.
61. Can I pause or change my savings plan?
Yes, you can adjust contributions or pause anytime. Updatesapply immediately.
8. Employer Partnerships (10 Questions)
62. How can my employer partner with DAPY?
They can email partner@dapy.io or fill out the partnershipform. Onboarding is quick, flexible, and tailored to HR workflows.
63. What are the benefits for employers?
DAPY improves retention, productivity, and financialwellness. It also enhances recruitment by offering a modern employee benefit.
64. Are there costs for employers?
Pricing depends on company size, features, and integrationlevel. DAPY offers flexible plans for SMBs and enterprises.
65. Does DAPY integrate with payroll?
Yes, integration is fast, secure, and compatible withleading HR and payroll systems. Employers may also use DAPY as a standalonesolution.
66. How does DAPY improve financial wellness?
It gives employees early salary access, budgeting tools, andfinancial education. This reduces stress and increases job performance.
67. Can employers customize DAPY?
Yes, employers can customize branding, access limits, payoutoptions, and staff categories. This ensures alignment with internal policies.
68. What reports do employers receive?
Employers get dashboards showing usage, payrollreconciliation, risk, and ROI. Reports can be exported in CSV, Excel, or PDF.
69. How is DAPY funded?
DAPY funds early salary access requests and employersreimburse during payroll. This eliminates cash flow pressure on employers.
70. What if there is a payroll data error?
DAPY works with HR to correct it immediately. Employees mayalso report errors in-app.
71. Does DAPY affect taxes?
No, taxes and deductions remain managed through employerpayroll. DAPY simply adjusts early payouts from earned amounts.
9. Technical Support & Troubleshooting (7 Questions)
72. What if the DAPY app isn’t working?
Restart your phone and check for app or OS updates. If theissue continues, contact Support.
73. How do I report a bug?
Use the in-app Support chat or email support@dapy.io.Provide screenshots for faster resolution.
74. I can’t log into my account — what do I do?
Reset your password and ensure you are using the correctlogin details. You may also check your network connection.
75. Why isn’t my balance updating?
Your employer’s payroll may not have synced yet. Contact HRor Support if the delay continues.
76. What devices are supported?
DAPY supports modern Android and iOS devices. We recommendupdating to the latest OS version for best performance.
77. What if I’m double charged?
Report it immediately and DAPY will investigate and issue acorrection. Refunds are processed quickly once confirmed.
78. How do I clear app cache?
Go to your device Settings, locate DAPY in the Apps list,and tap Clear Cache. This helps resolve minor performance issues.
10. General & Compliance (11 Questions)
79. Is DAPY a loan?
No. DAPY gives you access to your earned salary, notborrowed funds. There is no debt and no interest.
80. Is DAPY compliant with labor laws?
Yes, DAPY complies with CBN, NDPR, and national laborguidelines. All processes follow strict regulatory standards.
81. Are there tax implications?
No. Taxes are handled by your employer through normalpayroll processes. DAPY does not alter tax calculations.
82. Does DAPY change salary deductions?
No, deductions remain exactly the same. DAPY simply deliverspart of your earned salary earlier.
83. How can I review Terms & Conditions?
You can view them inside the app under Legal or on thewebsite. They cover usage, limits, rights, and obligations.
84. Are there state restrictions?
DAPY currently operates in approved Nigerian states andcontinues to expand. Availability depends on regulatory approvals.
85. How do I submit a complaint?
You may contact Support through the app or via email. Allcomplaints are addressed promptly.
86. Does DAPY operate outside Nigeria?
DAPY currently operates in Nigeria with plans to expandglobally. More regions will be supported soon.
87. Does DAPY support other languages?
Yes, English and select regional languages are available.More language options are being added.
88. What is the Financial Wellness Program?
It is a free program offering budgeting tools, financialeducation, and personal money-management resources. Its goal is to help usersbuild long-term stability.
11. Time Tracking & Attendance (13 Questions)
89. What is DAPY Time Tracking?
DAPY Time Tracking allows employees to clock in, clock out,log shifts, and see hours worked in real time. It syncs automatically withearnings to ensure accurate pay.
90. How do I clock in?
Open the app, tap “Clock In,” and start your shift. Thetimer runs automatically and displays your active working status.
91. How do I clock out?
Tap “Clock Out” and confirm. Your hours will sync withpayroll immediately once approved.
92. Can I take breaks?
Yes, if enabled by your employer. Use “Start Break” and “EndBreak” to track your break time properly.
93. What happens if I forget to clock in or out?
The system detects incomplete shifts and notifies you. HRmust approve any adjustments.
94. How does time tracking connect to my earnings?
Every approved hour is converted into your real-timeavailable earnings. Your accessible balance updates automatically after eachapproved shift.
95. Can I clock in remotely?
Yes, but only if your employer allows remote or field-basedclocking. If not allowed, off-site clocking will be blocked.
96. Can supervisors edit my shift?
Yes. Supervisors can correct missing entries, adjust hours,or approve overtime based on company policy.
97. How are schedules assigned?
Employers can assign daily, weekly, or monthly schedules.Employees receive automatic in-app notifications.
98. Can I view my past shifts?
Yes, you can view full shift history including hours worked,breaks, and earnings. This helps reduce payroll disputes.
99. Does overtime affect my accessible earnings?
Yes, once approved, overtime is added to your accessible paybalance. It is calculated based on employer overtime rules.
100. Who controls time-tracking rules?
Employers define all rules including location restrictions,break policy, overtime rules, and shift approval processes. DAPY enforces themautomatically.
101. Can employees edit their own time entries?
No. Employees cannot edit logged hours. They can onlyrequest corrections for supervisor approval.
102. Does time tracking affect payroll?
Yes, DAPY sends accurate timesheets to payroll to reduceerrors and disputes. This speeds up calculations and improves transparency.
