Move towards more paperless pay with a flexible and cost-effective payment method.

Request a Sales Demo Support for Wisely Cardholders

Paycards give you the convenience and control of compliant, electronic pay

Save time and money. Improve speed and accuracy. Give employees the flexible payment they want with a feature-rich, reloadable paycard.

Help them secure an independent financial future with financial wellness tools and capabilities

Simple, secure and flexible card-based employee pay

Wisely Pay delivers the technological innovation and ease of implementation you expect from ADP®. You'll also get peace of mind in knowing that as pay evolves, Wisely Pay will too.

Keep ahead of compliance

Wisely Pay enables compliance with federal and state regulations in all 50 states. Wisely is safe and secure, with EMV chip card features available for personalized cards, combined with Visa zero-liability policy and geo-fencing technology so cardholders have protections from fraud if the card is lost or stolen.6 Your account is also FDIC insured.

Get employees on board with ease

Employees can enroll in Wisely Pay with just a few clicks, making moving your company toward 100% paperless payroll that much easier. You can get access to tools that help you reach your paycard goals.

More efficient means less expensive

Issuing paper checks comes with overhead and takes time. With a paycard, you can pay employees anytime and anywhere. Add the convenient administrative portal and fund approval workflow, and paying your people gets faster and easier.

Handle your whole payroll with one provider

A single provider for a wide variety of pay expectations, including paycards, direct deposit, on-demand & off-cycle pay and even paper checks when needed.

Workers will love the convenience and security of Wisely Pay

Workers can skip the hassle of paper checks to manage their money. There’s no cost to sign-up, no hidden fees1, and no credit check needed2, and workers can additionally:

Get direct deposit

For their pay3 and other sources of income, including government benefits4, at no cost to them.

Shop and pay bills

In-stores, by phone, digital wallet or online everywhere Visa® is accepted5. It is also compatible with Apple Pay®, Google Pay™, and Samsung Pay®.6

Get cash

On purchases at major retailers and enjoy surcharge-free ATM withdrawals7 on an industry leading surcharge fee network.

Grow their savings

By putting aside money for a rainy day.8

Manage their money

And keep track of their spending and account balance 24/7 with the myWisely® mobile app.9

Protect their account

With balances protected from fraud if the card is lost or stolen10. In addition to being FDIC insured11, Wisely Pay has other security features including instant card lock, purchase protection and travel alert notifications.12

What is a paycard?

A paycard is a convenient way for employees to be paid. Instead of a traditional bank account, pay is deposited into the paycard account. Employees can then store or spend their money using their paycard. Paycard accounts have many of the features of a traditional bank account but also may have fewer fees.

Request a demo

Schedule a customized demo.

Your privacy is assured.

1. Please visit for applicable fees.

2. This is a prepaid card. It is not a credit card and will not build credit.

3. Please allow up to 3 weeks for pay to be loaded to the card after initial setup of direct deposit to the card.

4. Additional verification required to add other sources of income.

5. Additional terms and third-party fees may apply.

6. Apple Pay is a registered trademark of Apple Inc., Google is a registered trademark of Google LLC and Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

7. The number of fee-free ATMs may be limited. Please see cardholder agreement and for more information.

8. Amounts transferred to savings envelope no longer appear in available balance.

9. Standard text message fees and data rates may apply.

10. The cardholder must notify ADP immediately and assist in the investigation if the card is lost or stolen or if the cardholder believes someone is using their card without permission.

11. Balance is FDIC insured up to the eligible amount.

12. Additional verification required to add other sources of income.


The Wisely Pay® prepaid card and debit VISA or Mastercard are issued by 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 from 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.


Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Visa and the Visa logo are registered trademarks of Visa International Service Association. Apple, the Apple logo, and Apple Pay are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google LLC. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Western Union is a registered trademark of Western Union Holdings, Inc. MoneyPak is provided by Green Dot Corporation. Green Dot and MoneyPak are registered trademarks of Green Dot Corporation. Reload @ the Register is a trademark of Green Dot Corporation. Venmo is a registered trademark of PayPal, Inc. MoneyPass is a registered trademark of Genpass, Inc. Wisely and myWisely® are registered trademarks of ADP, Inc. ADP is a registered ISO of Fifth Third Bank, N.A. Copyright © ADP, Inc. All rights reserved.