Support Your Workforce and Improve Productivity.
Jahazii helps employers offer on-demand access to earned wages, giving employees financial flexibility without loans, while reducing pressure on HR and payroll teams.
- No employer funding required
- Launch in 1–2 weeks
- Fully transparent fees
USSD · *789*5588#
Dial to begin
*789*5588#
Calling…Jahazii · Earned Wages
Available to you
KSh 6,200
Enter amount to withdraw
KSh 5,000
Confirm withdrawal
Withdraw: KSh 5,000
Charge: 5% (flat)
You receive: KSh 4,750
1. Confirm
2. Cancel
KSh 4,750 sent
to your M-PESA · just now
What your team sees
KSh 1,240 ▲ earned today
Trusted by Leading HR Teams Across Africa
Costs you nothing. Pays you back.
One dashboard to onboard your team, approve advances, and reconcile on payday. Offer financial wellness your people feel, with no cost and no payroll headache.
- No cost to you.
- No setup fees, no subscription, and no impact on your cash flow. The small fee sits with the employee.
- Lower turnover, sharper focus.
- Financial wellness your team feels, with retention and productivity you can measure.
- Plugs into your payroll.
- Minimal IT lift, with no change to how you already pay salaries.
- Live in 1–2 weeks.
- From first call to your team drawing their earned wages.
- Free health cover, included.
- Every employee who uses Jahazii gets free HospiCash insurance from Jubilee the next month, at no extra cost to you.
From first call to live in 1–2 weeks.
A simple, low-lift rollout that slots into your existing payroll.
Book a demo- Step 1
Initial consultation
We start with a needs assessment to understand your workforce and how EWA fits your business.
- Step 2
Due diligence
A light, structured review of your KYB documents so both sides are confident before we proceed.
- Step 3
Signing of SLA
We define the terms and agree on a Service Level Agreement that works for both parties.
- Step 4
Pilot onboarding
We onboard a pilot group, often one department, with a full launch communication pack.
- Step 5
Go live
We roll out company-wide. Most employers are fully live within 1–2 weeks.
Money when you need it, not just on payday.
Life doesn't wait for the end of the month, and your team's salary shouldn't either.
Tuesday, the 18th
Hospital bill · KSh 3,500
Get treated today, not next payday.
Rent is due
House rent · KSh 15,000
Rent paid on time, every time.
Mid-month run
Food & groceries · KSh 4,200
Groceries now, not on the 30th.
New term starts
School fees · KSh 9,500
Kids stay in school, stress-free.
Financial freedom
Access your money the moment you need it and handle life's surprises without falling into debt.
now Confirmed. You have received Ksh500.00 from JUBILEE HOSPICASH on 12/6/26 at 9:14 AM.
Free hospital cover
Use Jahazii this month and you're covered by Jubilee the next, free. A stay in a SHA-accredited hospital pays you KSh 500 a night, up to 30 nights, straight to your M-PESA.
0%
interest, ever
No credit checks · No debt cycle
Not a loan
You only ever draw wages you've already earned, so there's no interest and no debt cycle, and you're never listed on the CRB.
Your withdrawal
- You withdraw
- KSh 5,000
- Fee (5% flat)
- KSh 250
- You receive
- KSh 4,750
Transparent & affordable
You see the exact fee before you confirm, so there are never hidden charges or surprises on payday.
now Confirmed. You have received Ksh4,750.00 from JAHAZII on 12/6/26 at 6:05 PM.
Instant M-PESA access
Available 24/7, weekends and holidays included, with funds in your M-PESA within seconds.
Four simple steps on any phone.
No app or smartphone are required to access your earned wages. You register once, then dial whenever you need your wages.
Registration and each request cost 1 bob of airtime to dial.
USSD · *789*5588#
Dial to begin
*789*5588#
Calling…Jahazii · Earned Wages
Available to you
KSh 6,200
Enter amount to withdraw
KSh 5,000
Confirm withdrawal
Withdraw: KSh 5,000
Charge: 5% (flat)
You receive: KSh 4,750
1. Confirm
2. Cancel
KSh 4,750 sent
to your M-PESA · just now
- 01
Dial *789*5588#
No app, no smartphone needed. Just dial the USSD code from the phone you already have.
- 02
Choose your amount
See how much of your earned salary is available, then withdraw all of it or just part, and come back for more anytime you need it.
- 03
See the charges
The exact fee is shown before you commit, with no surprises and full transparency.
- 04
Confirm & receive
Confirm the amount and the money lands in your M-PESA within seconds.
Questions, answered.
-
Earned wage access lets you access your salary before regular payday for hours you've already worked. Unlike loans, there's no interest, no debt cycle, and no credit checks. You're simply accessing your own money earlier with a small service charge for convenience.
-
Life doesn't wait for payday! Whether it's an unexpected bill, a medical emergency, or just running short before month-end, earned wage access gives you financial flexibility. It helps avoid overdraft fees, late payment penalties, or high-interest loans.
-
Jahazii is available to employees (both full-time and part-time) whose employers have partnered with us. If your employer has already partnered with Jahazii, you can access the service using our USSD code *789*5588#.
-
You can access up to a maximum of 50% of your net income on Jahazii. Available amounts add up based on how many days you have worked in the month until your employer pays your salary.
-
Money is sent directly to your registered M-PESA account within seconds.
-
If you experience any problems, our customer support team is available 24/7. Most issues are resolved within an hour, and we'll keep you updated throughout the process. For security, we only transfer funds to mobile money accounts verified as belonging to you.
-
Jahazii integrates seamlessly with your existing payroll systems with minimal IT involvement and no disruption to your current workflows. Our service can be implemented in just 2-3 days and have your employees already accessing this benefit.
-
Jahazii does not charge you as the employer anything to offer this service. Our service is compliant with the existing privacy, labor and financial laws and our legal team continuously monitors regulations across all markets to ensure compliance, providing regular updates when regulations change. This means you can carry out your business with peace of mind.
-
If you are interested in offering the Earned Wage Access benefit to your staff, click on the Book a demo button to let us call you back or book a call with our representative. We provide a complete communication package to introduce the service to your employees, including announcement templates, FAQ documents, and even on-site launch events. Many companies start with a pilot program for a specific department before rolling out company-wide, typically over 1-2 months.
Give your team the benefit they'll actually use.
Earned Wage Access, live in 1–2 weeks, at no cost to you.