Everything your team needs between paychecks.
Money they have already earned when they need it, a fair loan when the need is bigger than that, and somewhere for all of it to land. You turn it on once, and your team takes it from there.
What pay access does
When something goes wrong on a Tuesday, your team’s options are worse than you would guess.
A tire goes and it is two hundred dollars. A transmission goes and it is two thousand. Payday is next Friday either way, and what is actually within reach in that moment is a payday lender, an overdraft, or a cash advance on a card. All three take more than they give, and the bigger the number the worse the terms get.
The money to solve it usually already exists. It has been earned. It is just sitting on the other side of a pay cycle that was designed around bookkeeping rather than around the people waiting on it.
PwC Employee Financial Wellness Survey, 2026, based on a survey of nearly 3,500 US employees.
Three tools. Most people start with one.
Your team turns on only what they need. Most start with one.
Pay they have already worked for, before payday.
A portion of wages already earned this period, moved to their card when something comes up. It comes out of the next paycheck automatically. No interest, and no debt.
- How much
- Up to half of the wages already earned this period, to a per transfer cap
- How fast
- Free standard transfer, or instant for a small flat fee
- Repayment
- Netted from the next paycheck. No interest, ever
- Qualifying
- No credit check
- Limits in place
- Capped at a share of what is already earned, with a limit per transfer, and netted from the next check so nothing rolls forward
When it is more than a few hundred dollars.
A fixed rate installment loan repaid straight from payroll, for the transmission, the deposit, the medical bill. No credit check to qualify, and the business carries no liability and never funds or collects it.
- Amount
- One thousand to five thousand dollars
- Rate
- 19.99% fixed APR
- Example
- $1,500 over 12 months is about $139 a month, around $1,667 repaid in total
- Repayment
- Automatically from payroll
- Qualifying
- No credit check. Twelve months with the business
- Credit
- Reported to the major bureaus, so paying it back builds a record
- Limits in place
- A fixed rate and a fixed end date, with free credit counseling included
A payroll Mastercard built for how a crew actually gets paid.
Where the pay lands, whether it comes from a paycheck, an early transfer or a loan. A digital card straight away and a physical one by mail. For anyone still taking a paper check, it is the easiest route onto direct deposit there is.
- Fees
- No monthly fee, no minimum balance, no overdraft to fall into
- Getting paid
- Direct deposit, up to two days early
- Spending
- Anywhere Mastercard is accepted, plus a fee free ATM network
- Moving money
- Money can be moved out to their own bank account whenever they want it there
- If it is lost
- Freeze and unfreeze in the app, with zero liability on fraud
- Limits in place
- No overdraft, so the balance cannot go negative and there is no fee to fall into
We do the heavy lifting. Your part is light.
Everything here is delivered through licensed, regulated partners, and none of it disturbs how you already run payroll.
You share the essentials
Setup information and a secure connection to the payroll system you already run. We integrate with most of them, so this is usually a short conversation rather than a project.
We handle onboarding
Setup through launch, including everything your crew needs in order to enroll.
One place to manage it
Enrollment, activity and reporting in a single view. Nothing to fund and nothing to chase.
Works with the payroll you already run
More than 30 payroll systems in total, plus time tracking. If yours is not listed, ask and we will check.
Where this shows up in the business.
Fewer shifts lost to problems that had nowhere to go
A car that can be fixed on Tuesday is a shift that gets covered on Wednesday.
Trained people stay when the help they need is already here
Replacing someone you spent years training costs more than anything you could offer to keep them.
A reason to pick you over the shop down the road
When two jobs pay the same, this is the difference, and it costs you nothing to be the one offering it.
Written for your team
Here is what this looks like from where they stand.
You worked the hours. The money is yours. This is a way to reach some of it before the calendar says you can, a fair loan when the problem is bigger than that, and a card without the fees that usually come with one.
What businesses ask before they turn it on.
What does it cost the business?
Nothing. No integration fees, no launch fees, no minimums and no per employee charge. You are making it available rather than paying for it.
Are we lending our own money?
No. The business does not fund any of it, does not collect any of it, and carries no liability for it. Every piece of this is delivered through licensed, regulated partners, so lending is originated by a licensed lender and the card is issued by a bank. Repayment runs through payroll deduction the same way other deductions do.
Do we have to change payroll systems?
No. This sits on top of the payroll you already run. There is a secure connection to it, and that is the extent of the change.
What if only a few people use it?
That is normal and it is fine. There are no minimums and no volume you have to hit. Most teams have a handful of people who use it constantly and plenty who never do, and both outcomes cost the business the same.
Will this encourage people to spend their pay early?
The guardrails exist for exactly that reason. Access is capped at a share of what has already been earned, with a limit per transfer, and it is netted from the next check rather than rolling forward. There is no interest and no way for a balance to grow. The alternative on a Tuesday night is a payday lender, which is designed to do the opposite.
Does the team have to use all three?
No. They enable only what they want. Plenty of people set up the card and never take a transfer, or use early pay twice a year and nothing else.
See what this would look like for your team.
Tell us how you run payroll and roughly how many people you have, and we will walk through what turning it on involves.
Nothing to prepare, and nothing to commit to.