Earned Wage Access
Confidence in every cash advance decision
Power earned wage access with smarter approvals and lower repayment risk.
Why EWA works better with Plaid
Seamless qualification
Get users linked and qualified with the industry’s trusted financial onboarding.
Smarter approvals
Assess repayment risk with insights from a network of 1M+ daily connections.
Real-time risk insights
Stay ahead of fraud, confirm balances, and time repayment to income deposits.
20% more coverage
in transaction categories compared to the nearest competitor
500M+ transactions
enriched daily across our network
Qualify more users
Help new users connect through a familiar, mobile-first experience trusted by millions of U.S. bank account holders.
Convert up to 25% more potential users
Reach users across 99.9% of U.S. banks and credit unions
View income, pay cycles, and balances instantly
Qualify more users
Help new users connect through a familiar, mobile-first experience trusted by millions of U.S. bank account holders.
Convert up to 25% more potential users
Reach users across 99.9% of U.S. banks and credit unions
View income, pay cycles, and balances instantly
Assess repayment risk
Make smarter approval decisions using live data from each user’s cash flow history.
See recurring payroll deposits, including frequency and consistency
Spot spending trends and overdraft patterns to assess ability to repay
Assess repayment risk
Make smarter approval decisions using live data from each user’s cash flow history.
See recurring payroll deposits, including frequency and consistency
Spot spending trends and overdraft patterns to assess ability to repay
Reduce losses
Use real-time insights to mitigate risk, time repayment, and cut losses.
Know when income lands in a user’s bank account to time repayment
Check balances before repayment to reduce NSF risk
Understand user financial behavior to predict fraud risk more accurately
Reduce losses
Use real-time insights to mitigate risk, time repayment, and cut losses.
Know when income lands in a user’s bank account to time repayment
Check balances before repayment to reduce NSF risk
Understand user financial behavior to predict fraud risk more accurately
Zuben Mathews
CEO & CO-FOUNDERThe products behind the leading EWA solution
Transactions
See up-to-date transaction history to make safer, more accurate cash advance decisions.
See transaction insightsAuth
Instantly confirm a user’s bank account details to initiate repayment easily.
Verify bank account detailsBalance
Check real-time balances before repayment to prevent insufficient-funds failures.
Check balances before paymentUnderwriting
Strengthen credit decisions with clear views into a borrower’s financial stability.
Predict risk more accuratelyProtect
Assess risk from onboarding to repayment with first-of-its-kind fraud data.
Stop fraud before it startscustomer stories
See how teams grow with earned wage access
Your questions, answered
Reach out if we didn't answer yours.
What is earned wage access?
Earned wage access (EWA) lets consumers access money they’ve already earned—before payday. EWA is offered through employers or third-party apps and typically repaid once the employee's paycheck is deposited.
How does earned wage access help consumers and providers?
Earned wage access helps consumers manage cash flow, reduce financial stress, and avoid high-interest alternatives.
Does earned wage access cost consumers money?
Earned wage access may cost consumers money. Some providers offer free transfers, while others charge for faster delivery or added features.
How does an earned wage access app determine eligibility?
An earned wage access app determines eligibility by reviewing income patterns and pay history linked by the user
Do earned wage access apps require employer participation?
Earned wage access apps do not require employer participation and typically work directly with the employee’s bank account.
How do earned wage access apps get repaid?
Earned wage access apps get repaid by deducting the accessed amount from the user’s next paycheck or bank deposit.
