Smart Wage Lock

Smart Wage is a comprehensive financial services app for employees, giving you flexible access to your earned wages and a full suite of tools to manage your financial life.

💰 EARNED WAGE ACCESS
Access a portion of your earned salary before payday. Request withdrawals, track processing, and receive instant confirmation — all from your phone.

🏦 WALLET & TRANSACTIONS
View your wallet balance, monitor salary deposits, and review your full transaction history with detailed receipts.

📱 BILLS & LIFESTYLE PAYMENTS
Pay all your essential bills in one place:
- Airtime & mobile data top-ups
- Electricity and utility bills
- TV subscriptions
- Betting wallet funding
- HMO / health insurance payments

🕐 ATTENDANCE TRACKING
Clock in and clock out directly from the app using GPS-verified location. View your attendance history, daily status, and performance statistics.

🔔 NOTIFICATIONS
Stay informed with real-time alerts for transactions, wage updates, and account activity.

👤 PROFILE & KYC
Manage your employee profile, verify your identity, and keep your account information up to date.

🔒 SECURE & RELIABLE
Smart Wage is built with industry-standard security — including PIN verification, OTP authentication, Biometric authentication and encrypted local storage — to keep your financial data safe at all times.

Smart Wage is powered by SmartPay Finance and Holdings Limited.