On-demand Pay

Empower your employees with powerful, flexible on-demand pay and financial wellbeing solutions

Future-proof your payroll and benefit from a more loyal workforce with PayWise+, our complete, AI enabled financial wellbeing platform.

Featuring smart tools for saving, budgeting and on-demand pay, PayWise+ helps employees achieve financial peace of mind while driving stronger results for your business.

Discover PayWise+Book a demo

Instant earned wage access

Access up to 50% of earned wages instantly. No interest, no hidden fees.

Real-time earnings tracking

See earnings accumulate in real-time. Total pay transparency.

Savings on everyday purchases

Discounts with major retailers. Smart spending recommendations with Penny AI.

Save as you earn*

High-interest savings options. Safe, secure, and easy to manage.

*Easy access savings accounts are provided by Griffin Bank Ltd (Griffin). As Griffin is a UK bank, your funds are protected by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. The FSCS covers eligible deposits of up to £85,000 per depositor.

Keep payroll simple

With Access PayWise+, you can deliver on-demand pay without complicating your payroll processes. When an employee takes money out of their earned pay, PayWise+ 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 honoured 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 recognised for its exceptional performance and ability to meet modern employers' needs.

%

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

%

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

%

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

Why PayWise+ matters

Flexible pay and financial support help retain staff and reduce turnover.
80% of PayWise+ (formerly EarlyPay) users reported increased loyalty to their employer.

By giving employees control and guidance over their money, you help them avoid debt and build stronger financial habits.
93% of users say PayWise+ helps them manage costs during difficult times, like the cost‑of‑living crisis.

Already using Access products? PayWise+ integrates in minutes with payroll and workforce systems.
PayWise+ automatically reconciles with payroll systems, saving you time and increasing accuracy .

Our platform is built on trusted, secure infrastructure, recognised for excellence in payments.
Accredited by the Earned Wage Access (EWA) code of practice assessment by Ernst & Young.

“From an employer's perspective, Access PayWise+ offers valuable insights into employees' financial behaviours, helping to address potential challenges and promote wellbeing. 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 PayWise+ 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