The stress-free way to offer advance salary
Provide your employees with the ability to access their earned salary at any point during the month, at zero cost to your company.
No out-of-pocket expense
Unipe funds the advance salary requests
Free for employers
No setup or recurring fees
No payroll changes
Employers run their payroll as usual
No interest charges on the employees
The Solution You've Been Waiting For
See how unipe advance salary works for your business
Employee Requests Advance Salary
for the number of days they have worked
Employees Receive Advance Salary
directly in their bank accounts
Employer Runs Payroll As Usual
and pays employees their actual salaries
Auto-deduction of Advance Salary
from bank account (executed by RBI-approved entity)
Our Happy Clients
“Unipe has been a great partner in enabling our workforce with EWA. The team understands the market and challenges well and provides amazing solutions"
Rachit Mathur, CEO
Good for people
is good for business
Increased hours worked due to stronger effort
Reduction in employee turnover
Lower absenteeism and staff turnover
We have answers.
What is Unipe?Unipe is a company dedicated to bringing financial wellness to employees by providing a digital platform to employees and employers alike.
What’s in it for me?It has multiple products/services that can help with better financial planning. Following are some benefits: Get early access to your earned wages More sustainable options to save your money Grow your earnings by planning your income and spending better
Does Unipe charge me any fees or interest on the loans?The Unipe EWA program is interest and free. However, we do charge a very small processing fee at the time of disbursement. If the Advance salary is paid back on time, there is no separate interest charged.
How quickly will I get the loan?Depending on your company’s payroll process, we will evaluate the earliest date of disbursal and show you the options in the Unipe App.
If I take Rs.1000 today, when will I have to pay it back?The advance amount taken will be automatically deducted from your salary at the time of payroll processing.
Can I apply for any amount or is there a limit to what I can get as a loan?We currently have an EWA program only. You will soon get options to get personal loans in the Unipe app itself.
What happens if my employer is not a partner at Unipe?Your employer needs to be a partner of Unipe. It is a simple process to introduce the relevant decision maker to us. Without your employer being our partner, you will not be able to access the Unipe app currently.
What is the difference between a bank and Unipe?Unipe is an EWA-enabled platform. Unipe partners with financial institutions to empower you with EWA. Unipe does not lend money directly to anyone and does not act as a lending institution. Not to mention the exorbitant interest rate that bank or other financial lenders charge.
Is my data protected?Your data is 100% encrypted and stored securely. It is shared only with RBI Regulated entities post consent of the user.
How can I access my salary?You can access your salary when the employer processes the salary at their end, directly to your registered bank account.
How can I get a loan against my salary?EWA program is essentially a short-term credit drawn against earned salary and payable in future by the employer. We do not offer any other format of financial services currently on the platform.
How to create an account on Unipe?You can access Unipe App once your employer is onboarded on the Unipe platform. Please talk to your employer (HR) and ask them to reach out to us at firstname.lastname@example.org in order to onboard them on our platform.
How can we offer Unipe to our employees?In order to offer Unipe to employees, please register on our website. Signup or simply contact as us email@example.com and we will do the needful.
Who is eligible to be a partner of Unipe?If you follow the minimum wages protocol of your state, you are eligible to get on board on the Unipe platform. Please submit all KYC docs while signing up for the platform and we will instantly verify the eligibility criteria.
Do we pay the employees the loan?Loans are processed by a registered and regulated NBFC to the employees.
How much do we pay for the service?It is absolutely FREE for the employer!
Is the employee information safe?All information stored on our servers is encrypted and heavily secured. We take sensitive information protection very seriously and will ensure protection of your company data.
Do employees need to have an account on Unipe’s interface/application?Yes, employees need to download the Unipe App via the link shared with them while they are onboarded on the platform by the employer.
What information and access does Unipe need to provide this service to our employees?Please go through our sign-up process to know this information.
How much do we pay Unipe for this service?Unipe platform is free to use for eligible employers.
Do you need our team/resource to manage the backend?No. All processes/features are 100% automated.