Instant Pay

Access to up to 50% of earned wages
No changes to existing payroll
No pre-funding or escrow

Earned wage access can be life-changing for your employees.

For many employees, dealing with an unexpected medical bill or car repair before payday can result in overdraft fees or increased debt. But with instant pay, they can access up to 50% of their earned wages whenever they need it.

What is Instant Pay?

Instant pay allows employees to access part of their earned wages before their scheduled payday. You may have heard of earned wage access before, which is the same concept.

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

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.

1

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

2

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

3

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

Instant, contactless payments

Instant access to earned wages isn’t just life-changing for your employees, but also simpler and safer for everyone involved. In today’s world, contactless payments are the safest choice possible. Your employees can now get instant, digital access to their earnings before payday—without handling a physical check or cash. Plus, they can have their regularly scheduled paychecks directly deposited to their digital wallets, too.

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 debt
Eliminates the need to take out high-interest payday loans
Available to 100% of your employees, no credit checks or contracts

Ready to go beyond the paycheck?