Access Now
Earned Wage Access
Pay Later
Pay Bills
My Account
We Buy Businesses

Vacation Now Pay Later

...

For Employees

Not A Loan
No Upfront Fees
Non-Deposit Taking
No Interest Payment
GHs500 - GHs50,000 Range
No Bank Account Opening
Repayment Options
Acceptable MoMo Accounts
Utilities On Credit (Zero Interest)
Subscriptions On Credit (No Interest)
Employee Benefits
EWA Alternatives
Access Cap
Responsible Usage
Employee Blog

Why Choose Us

EWA + TDG Jobs
Quidmaster UK
Sikamaster + Quidmaster
One DCANS Login
TDG Ecosystem Integrations
All Sikamaster EWA Benefits
How We Compare

About Us

Who We Are
How We Operate
Platform Objectives
Strategic Partners
DCANS Ecosystem
DCANS Loyalty Programme

The DCANS Group Ltd

The DCANS Way
Disruptive Entrepreneurship
TDG Credit System
Direct Funding Partners
Legal & Accounting Unit
Litigation Department
DCANS Emergency Funds
Tax Efficient Strategies
DCANS Healthcare Group
DCANS Property Group
DCANS Financial Group
DCANS Hospitality Group
DCANS Retail Group
DCANS Agribusiness Group
Reinvestment Policy

For Employers

Employer Partners
B2B Platforms
Employer EWA Integration
Employer Benefits
Payroll Integrations
HCM Partners
Direct Funding Options
Direct Payroll Funding
EWA vs. Payroll Funding
Payroll Funding Users
Payroll Software
Payroll Funding + Software
Payroll Management
Payroll DIY
Payroll Tax Services
Online Payroll Services
Employer Blog
Employer Signup

Regulations

Earned Wage Access (EWA)
Eligibility Criteria
Employee Onboarding Process
Employer Onboarding Process
Non Recourse
Payout Process
Repayment Process
EWA + BNPL
EWA + CNPL
Regulatory Compliance
BoG Authorisation ?
Deductible Charges
Self-Regulation
Global Tax Compliance
How Sikamaster Makes Money

Platform Support

FAQ
Glossary
Email Form
DCANS Super App
DCANS AI Assistant
Client Area
We Don't Sell Your Data

My Account

Account Login
Pay Bill
Repayment

Funding Partners Ghana

DCANS Investments Ghana
DCANS Pay Ghana
DCANS Energy Global
DCANS Mortgage Ghana
DCANS Foreclosure Ghana
Supplier's Credit Ghana
DCANS Bail Bonds
Osei Family Office
DCANS Liquidity Pools
DCANS Digital Assets

Blog

Funding Partners UK

DCANS Capital UK
DCANS Mortgage UK
DCANS Foreclosure UK
DCANS FX Global
DCANS Forex Reserves
DCANS Crypto UK
DCANS Crypto Reserves
DCANS Gold UK
DCANS Gold Reserves
CityStreet Quants
MSI Capital Ventures
C57H Global
Kaizer Labs
Supplier's Credit UK
TDG Legal & Accounting
The Litigation Funders
DCANS Precursor Banks

DCANS Ecosystem

Eat Now Pay Later
Care Now Pay Later
Buy Now Pay Later
Rent & Pay Monthly
Rent-to-Buy Homeownership
DCANS Affordable Housing
Affordable Luxury Homes
Build Now Pay Later
Building Materials & Supplies
Sell Your House Quickly
Sleep Now Pay Later
Sell Your Commercial Property
Sell Your Registered Land
Vacation Now Pay Later
Ghana Property Traders
Fly Now Pay Later
Drive Now Pay Later
Solar Now Pay Later
Work & Pay Vehicle Ownership

Efficiency

Operational Efficiency
Digital-Only Policy
Cashless Policy
No Talkshop
No Needless Phonecalls
No Useless Meetings
No Nonsense Anti-Fraud
No Useless Paper Forms

Fraud Warning
Terms
Privacy
Bank Account Policy

This platform DOES NOT solicit funds from the general public, and neither does it invest on behalf of the general public. Neither The DCANS Group Limited, or any of its subsidiaries, units or divisions invest on behalf of retail investors.

Providing qualified salaried workers early access to their earned salaries is a privilege and not a right.

The information provided in this platform are general in nature only and does not constitute personal financial advice. Before acting on any information you should consider the appropriateness of the information having regard to your objectives, financial situation and needs.

Using our services constitutes acceptance of the terms, conditions & rules govern our operations, so if you disagree with any of them in part or in full, please don't use our services. Our No Upfront Fee Non-Deposit Taking Direct Earned Wage Access (EWA) Platform is strictly for qualified existing customers of DCANS Ecosystem and all private sector employees recruited via DCANS Jobs Ghana (Dedicated Recruitment Platform of The DCANS Group Limited) only. | Legal & Compliance provided by TLA Firm & Partners and The Litigation Funders

© 2026 Sikamaster (Ghana), affiliated to Quidmaster UK, are both dedicated Earned Wage Access (EWA) Platforms of The DCANS Group Limited (Registered in England & Wales, CRN: 12645872, VAT #: GB 157 9161 82), dual-headquartered in Ghana and the UK.

The DCANS Group Limited is registered with the Information Commissioner’s Office (ICO) in the UK under registration number ZC173687, and in Ghana via the Data Protection Commission (DPC).

This platform is securely powered by DCANS Hosting and Promoted by DCANS Media Ventures (which also owns Ghana Business Today and DCANS Print and Accurate Ads and DCANS Ads Ghana).

UK Registered Office Address: DCANS Offices UK, 10-16 Tiller Road, London, E14 8PX, United Kingdom.

Ghana Registered Office & Trading Addresses: See DCANS Offices Ghana.

Access Now
Earned Wage Access
Pay Later
Pay Bills
My Account
We Buy Businesses