On-demand Pay

Modernise your payroll and offer your employees choice and flexibility

Future-proof your payroll and benefit from a more loyal workforce with on-demand pay. Access EarlyPay gives your people the flexibility to access a percentage of their earned wages before payday and choose to use that as and when they need it.

%

of employees take on more shifts as they have immediate access to their earned wage

%

of those who have access to EarlyPay class this benefit as ‘most important’

%

of employees feel more loyal to their employer due to their on-demand pay benefit

Help make your employees wages go further, with discounted supermarket vouchers!

Empower your team with flexible access to wages and exclusive discounts to foster loyalty and satisfaction. Offer savings on everyday purchases while enhancing overall job contentment. Provide more with each paycheck - flexible wages and substantial savings!

Access EarlyPay passes external assessment by Ernst & Young

In September 2023 many Earned Wage Access (EWA) providers came together to create the EWA code of practice. From this code of practice, the EWA trade body announced that EWA providers would need to undergo an annual external assessment. The 2024 assessment was completed in June and Access EarlyPay are delighted to have passed.

Thrive with EarlyPay financial guidance

Access EarlyPay provides your employees with a comprehensive financial education by granting them access to our meticulously curated library of expert guidance and proven strategies for effective money management, all accessible within the EarlyPay app.

Keep payroll simple

With Access EarlyPay, you can deliver on-demand pay without complicating your payroll processes. When an employee takes money out of their earned pay, EarlyPay does all the hard work; sending the money to the employee and automatically logging the withdrawal & fees in your payroll system. All you have to do is simply run payroll as you usually would and we’ll take care of the rest.

Award winning technology

Our technology has been honored with the "Best Business Payments System for Employers" award at the FinTech Futures PayTech Awards 2024. This recognition highlights our commitment to delivering innovative payment solutions that enhance efficiency for businesses. By choosing our award-winning platform, you're investing in industry-leading technology recognized for its exceptional performance and ability to meet modern employers' needs.

How it works

Withdrawal

Your employee chooses to withdraw their accrued wages using either the ‘Get paid now’ or ‘Get a voucher’ buttons

Chosen drawdown sent to employee

Access EarlyPay will send the chosen variation (cash or voucher) to the employee. The cash will go directly to the employees’ bank account, whereas the voucher will be immediately available in the EarlyPay app

Logged with payroll

The withdrawal is logged into your payroll system

Reconciled with payroll

At payroll reconciliation, the withdrawal amount of each employee is shown as a deduction

Collected by Direct Debit

Your employee receives their net pay, payroll is processed by the employer, and The Access Group receives the withdrawals that were fronted by us, plus the transaction fees, by Direct Debit

From an employer's perspective, Access EarlyPay offers valuable insights into employees' financial behaviors, helping to address potential challenges and promote well-being. Its clear invoicing and user-friendly reporting features make payroll management seamless and efficient. The ability to download and tailor reports adds unparalleled convenience. Access EarlyPay is a reliable, glitch-free tool that simplifies payroll management and empowers employers to focus on what matters most.

Dianne Hoodless - Head of Group Compensation and Benefits TFG

The Co-Operative Bank

Find out just how simple offering on-demand pay has been at The Co-operative bank, from Head of People Delivery, Ruth Clarke.

Read case study

Give your employees the flexibility to access their wages when they need it most with Access EarlyPay

Talk to our experts

Direct Debit

Simplify recurring payments with our reliable and flexible direct debit solutions. Automate billing processes and enjoy hassle-free collections, ensuring a steady cash flow.

Direct Debit payments

SEPA Direct Debit: Streamline European payments

Simplify cross-border transactions with our SEPA Direct Debit solution. Automate recurring payments, enhance cash flow, and reduce admin overhead. Offer customers a convenient, reliable payment method across 36 SEPA countries for increased loyalty.

SEPA Direct Debit

Online Payments

Seamlessly integrate our online payments solution into your e-commerce platform. Offer your customers a secure and convenient way to make purchases, increasing conversion rates and customer loyalty.

Online Payments

Multi-channel payments

Deliver a consistent payment experience across multiple channels with our omnichannel payments solution. Seamlessly integrate online, in-store, and mobile payments, providing your customers with flexibility and convenience.

Multi-channel Payments

Open Banking Payments

Embrace the future of banking with our open banking payments solution. Harness the power of APIs to securely connect with your customers' bank accounts, enabling fast and secure transactions.

Open Banking Payments

Phone Payments

Embrace the future of banking with our open banking payments solution. Harness the power of APIs to securely connect with your customers' bank accounts, enabling fast and secure transactions.

Phone Payments

Face to Face Payments

Simplify in-person transactions with our face-to-face payments solution. Whether it's through a traditional point-of-sale system or a mobile device, our platform ensures secure and efficient payment processing.

Face to face Payments