Employee
Financial Wellness Benefit
Earned Wage Access with SalarySavvy. Give your employees financial flexibility by granting secure access to their earned income before payday.
Employers
Access
Charged
Access
Give Your Employees the Tools to
Enjoy Financial Health
Earned Wage Access
Provides employees direct access to their built-up earnings without requiring standard short-term credit options.
Financial Dignity
Employees safely access their earned capital independently, directly through the platform interface.
Affordability Assessment
Monitors accrued parameters to guarantee responsible transaction processing limits for the user.
Same-Day Transfers
Real-time processing parameters deliver real-time infrastructure liquidity straight to the account.
Zero Cost to Employers
Implementation runs completely free for companies, operating on a low flat administrative fee infrastructure.
Hassle-Free Collections
Withdrawal report detailing all the withdrawals and low processing fees sent to payroll for settlement of the wallet facility.
Frequently Asked
Questions
General & Business Model
Is this a micro-loan or an advance?
A: This is strictly an advance on money an employee has already earned for days they have already worked. We do not charge interest, we do not check credit scores, and we do not charge late fees. It is a financial utility, not a debt product.
How much does this service cost my business?
A: Zero. There is absolutely no setup fee, monthly subscription, or transactional cost to the employer. The service is entirely free for the business to offer as a staff benefit.
How do you make money?
A: We charge a clear, transparent transaction service fee directly to the employee only when they choose to make a withdrawal. The fee is a flat base charge (to cover instant real-time bank verification and processing) plus a transaction fee based on the specific amount withdrawn.
Operations & Integration (Low-Tech/Manual Flow)
My payroll team is already stretched thin. How much extra work will this create for them?
A: Virtually none. Because we run a manual, employee-driven verification model, your payroll team is completely bypassed during the month. We handle the day-to-day calculations, tracking, and disbursements ourselves. Your team only interacts with us once a month when we send a single, aggregated deduction report a few days before payday.
What stops an employee from withdrawing their entire salary halfway through the month?
A: Our system enforces a strict 25% guardrail. An employee can only access a maximum of 25% of the gross income they have accumulated up to that specific day of the month. The remaining 75% stays completely untouched as a safety buffer for their final paycheck.
Capital Risk & Payroll Settlement
Who funds the liquidity for these mid-month payouts?
A: We fund 100% of the liquidity pool from our own corporate accounts. Your business does not need to advance any cash or alter its monthly cash flow.
How does the repayment process work?
A: At the end of the month, your payroll clerk processes the total amount advanced to each employee as a single line-item deduction on their payslip. On your official payday, your company transfers the total accumulated deductions to our account in one single lump-sum corporate payment.
What happens if an employee takes an advance and then resigns, gets fired, or goes AWOL the next day? Who covers the loss?
A: Because we strictly enforce the 25% cap, the employee will always have a 75% unpaid wage buffer sitting with you. Our Master Service Agreement dictates that our advanced capital takes priority recovery from their final outstanding salary, leave payout, or separation package. We absorb the operational risk; your business is protected.
What if an employee has existing staff loans or garnishee orders?
A: During our brief onboarding setup, you provide us with a list of employees who have active financial exclusions or heavy court-ordered deductions. We plug this directly into our master transaction tracker to lower their maximum withdrawal cap.