Earnipay Business — Empowering Business and People for Growth

Context

Many Nigerian small and medium–sized businesses lack easy access to working capital, struggle with manual payroll runs, and have no unified system for approving employee advance requests. Earnipay Business was created to give employers a single, intuitive portal for credit, approvals, payroll processing, and account management.

Background

Traditional payroll platforms often require separate tools for credit lines, expense tracking, and approvals. Employers end up juggling spreadsheets, bank portals, and paper requests—leading to slow payouts, errors, and low visibility. Earnipay Business set out to consolidate these functions into one web dashboard, so businesses could manage every aspect of staff advances and payroll in one place.

Core Problem

Businesses faced four key challenges:

1. No Access to Credit: Unable to offer on-demand cash to employees.

2. Cumbersome Approvals: Manual, email- or spreadsheet-based sign-off processes.

3. Complex Payroll Runs: Payroll cycles took days and were prone to errors.

4. Mixed Accounts: One account for all transactions—no way to segregate expenses or collections.

Pain Points

1. Working Capital Gaps: Staff couldn’t get quick advances when needed.

2. Approval Bottlenecks: Managers spent hours chasing signatures.

3. Payroll Delays: Processing took days, blocking timely payments.

4. Account Confusion: Income and expenses mixed together with no separation.

5. Visibility Blindspots: No dashboard to track department-level spend or incoming payments.

Approach

1. Feature Design

   • Credit Line Module: Let businesses set and track an internal credit facility for staff advances.

   • Approval Workflows: Built a drag-and-drop flow designer so managers could configure multi-level sign-offs.

   • Payroll Engine: Automated salary runs with built-in checks, scheduling, and bank integrations.

   • Sub-Accounts: Enabled creation of “Expense” (spend + receive) and “Collection” (receive-only) accounts per department or project.

   
   

2. Prototyping & Testing

   • Developed low-fidelity flows and high-fidelity UI mockups.

   • Ran usability tests with five pilot companies—iterated on confusing terminology and streamlined steps.

   
   

3. Visual & Interaction

   • Adopted a clean, business-focused UI: structured grids, clear icons, and a calming teal palette.

   • Added real-time status badges and in-line help tooltips for every module.

   
   

4. Implementation & Roll-Out

   • Collaborated closely with engineers in an Agile two-sprint build cycle.

   • Conducted training webinars and created in-app walkthroughs for early adopters.

Results & Impact

1. Payroll Time ↓ 80%: Runs went from 3 days to under 2 hours.

2. Approval Turnaround ↓ 60%: Managers completed requests in under 30 minutes on average.

3. Sub-Account Adoption → 85% of pilot businesses segregating expenses by department.

4. Credit Utilization → 70% of customers accessed the built-in credit line for staff advances.

5. Admin Satisfaction ↑ 44%: Survey scores jumped from 3.2 to 4.6 out of 5.

6. Customer Retention ↑ 35%: Business renewals increased thanks to improved stickiness.

Conclusion

By unifying credit, approvals, payroll, and sub-accounts into a single, intuitive dashboard, Earnipay Business eliminated manual hand-offs, accelerated cash flows, and gave companies clear control over their finances. The result: faster payroll, happier teams, and a scalable platform for growth. Next, we’re exploring AI-powered cash-flow forecasting to help businesses plan ahead with confidence.