Earned Wage Access

Instant access to a portion of earned wages before payday.
  • Access up to 50% of earned wages
  • No changes to existing payroll
  • No pre-funding or escrow

Free, Built-in EWA

Allow your employees access to money they've already earned.
Life-changing for your employees

For both hourly and salaried employees, dealing with an unexpected medical bill or car repair before payday can result in overdraft fees or increased debt. But with EWA, they can access up to 50% of their earned wages when necessary.

Plus, there's no pre-funding or changes to payroll required.

How it works

Instant pay doesn’t require any changes to your existing payroll process. We work with you to get an estimate of wages earned and let employees access up to 50% of their upcoming paycheck. This service is pre-funded by Branch; all we need from you is time and attendance files and a roster file; we can work with either flat files or API integrations.

How it works

We work with you to get an estimate of wages earned and let employees access up to 50% of their upcoming paycheck. All we need from you is time and attendance files and a roster file; we can work with either flat files or API integrations.

1

Employees download the Branch app to request funds, and they’ll load directly into their Branch digital wallet.

2

They can then use their digital wallet (including Apple Pay & Google Pay) or Branch Card to make payments.

3

Once payday rolls around, their pay advance is deducted from their total deposit.

CFPB-compliant

The Consumer Financial Protection Bureau (CFPB) has released guidance and greater clarity on best practices for earned wage access providers. We're pleased to share it reinforces the model we've set up over the past few years, and our employer-based EWA is thoroughly aligned with their advisory opinion.

Read more here.
Access to wages is the #1 benefit desired by workers applying for new jobs in 2020

80%

Have less than $500 in Emergency Savings

2x

More Likely to Apply if Instant Pay is Offered

Good for Business –

  • Free for you and your employees
  • No pre-funding requirements
  • No extra steps or changes to payroll
  • Start paying employees day one
  • Improve retention rates and employee morale

Good for Employees -

  • No cost
  • Prevents overdraft and maintenance fees, which perpetuates the cycle of debts
  • Eliminates the need to take out high-interest payday loans
  • Available to 100% of your employees, no credit checks or contracts
The future of employer-to-employee payments is here.

Ready to go beyond the paycheck?

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