Earned wage access

Give employees faster access to their already earned wages without disrupting your regular payroll cycle.

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Support your core business strategy with earned wage access

Available through Wisely® – ADP’s financial wellness, savings and spending tool – earned wage access can help employees who may be living paycheck to paycheck better make ends meet. Fulfilling this need can also benefit your business, making it possible for you to:

  • Attract top talent and reduce turnover in competitive labor markets
  • Improve productivity by alleviating financial stress, which can be a distraction at work
  • Maintain payroll integrity with no additional withholding, paper statements, funding or money movement required

What is earned wage access and how does it work?

Earned wage access allows employees to tap into their income as they earn it rather than waiting for a traditional payday. Here’s how it works:

Wage balances accrue for every hour worked

Employees access their earned pay as needed

Employers run payroll as usual with zero disruptions

Improve employee financial wellness through earned wage access

When your employees have fiscal confidence, they’re more likely to be engaged at work each day. But car repairs, medical bills and other unexpected expenses that occur in between pay cycles can create financial stress. Earned wage access can help alleviate these burdens and any negative impact to your work environment because it allows employees to:

  • Avoid overdraft fees and short-term, high-interest loans
  • Achieve peace of mind knowing that they have a backup plan for emergency expenses
  • Access earned wages without needing manager intervention or HR approval

Earned wage access FAQs

What is EWA?

EWA or earned wage access is the ability for employees to access their already earned wages, if needed, outside of a traditional pay cycle. It’s also sometimes referred to as early pay, instant pay or on-demand pay.

Is earned wage access a loan?

Earned wage access is not a loan. It is income earned for every hour already worked.

How do my employees access their wages early?

Employees can easily request their earned wages right from their Wisely mobile app. The available balance at any given time is calculated based on the individual’s regular compensation and hours worked to date during the pay period.

Does earned wage access affect how I process my payroll?

Employee requests for earned wages are completely outside your payroll operation, which means there’s no payroll processing change required from your side. You can continue to run your regular payroll with the same withholding, pay statements, etc.

Why would a company offer earned wage access?

Providing employees with early access to their wages can help them cover unexpected expenses and avoid overdraft fees. This financial benefit, in turn, may lead to improved productivity and engagement in the workplace and can be used to attract new talent.

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The Wisely Pay® prepaid card and debit VISA or Mastercard are issued from Fifth Third Bank, N.A. Member FDIC, pursuant to a license from Mastercard International or Visa U.S.A. Inc. The Wisely Pay® prepaid card can be used everywhere Debit VISA or Mastercard is accepted. The Wisely® Direct card is issued by Fifth Third Bank, N.A. Member FDIC, pursuant to a license by Mastercard International. The Wisely® Direct card can be used everywhere Debit Mastercard is accepted. Earned wage access is available through Wisely and is provided by DailyPay, Inc., a non-ADP entity, through the myWisely app. ADP is a registered ISO of Fifth Third Bank, N.A.

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