Here are some of our most commonly asked questions. If you have any other questions, contact us directly through our website inquiry form. We’d be more than happy to help
AdvanzPay is a Fintech solution dedicated to creating a fairer financial landscape. We enable employees to access a portion of their earned wages on-demand, providing peace of mind and empowering financial independence.
Earned Wage Access (EWA) allows employees to access their earned wages before payday. For example, if an employee earns $50 per hour and works 40 hours in two weeks, they’ve earned $2,000. With AdvanzPay, they can now withdraw a portion of their earned wages anytime.
No, AdvanzPay is not a loan. We facilitate early access to wages that employees have already earned, with no interest or late fees. Employees can withdraw funds based on the days they’ve worked.
Unlike payday loans, AdvanzPay does not involve any debt or interest bearing financial instruments. Employees access their earned wages, incurring only a small, flat service fee—similar to an ATM withdrawal fee.
Contact our team to schedule a demo. Our onboarding process is swift and seamless, requiring no changes to your existing payroll system and at no cost to your business.
AdvanzPay processes withdrawals based on net wages after taxes and deductions, so there are no tax implications.
No, AdvanzPay is free for employers.
Integration is simple. AdvanzPays SaaS platform connects seamlessly with existing ERP, payroll, and timekeeping systems via API, requiring minimal effort from your team. For businesses using manual payroll or accounting software (e.g., Workday, Xero, MYOB), we offer a self-service model. Our technical team ensures a smooth onboarding experience.
No, there are no inherent risks. On-demand wage access has been shown to boost productivity, reduce turnover and absenteeism, and improve employee morale. Our real-time API integrations ensure seamless operations.
No, we don’t conduct credit checks or require eligibility criteria. It’s your money—you’ve earned it, and we’re simply helping you access it earlier.
AdvanzPay is available through employers who partner with us. If your employer hasn’t signed up yet, contact us at [email protected], and we’ll work to onboard them. Employees who successfully introduce AdvanzPay to their workplace may receive an Ambassador status, granting concessions on fees for a specified period.
No, accessing your earned wages through AdvanzPay does not impact your taxes. Your withdrawals are based on your net pay after taxes and deductions.
Once your employer partners with AdvanzPay, you’ll receive login credentials for the AdvanzPay platform. After activating your account, you can start withdrawing your earned wages instantly.
AdvanzPay can give you access up to 70% of your earned wages, though your employer may set specific limits.
If your bank supports OSKO (Australia’s real-time payments platform), you’ll receive funds within minutes, 24/7. Otherwise, transfers may take up to 24 hours. We’ll notify you if your bank does not support OSKO.
The service fee is a flat 3.75% of the withdrawal amount. No other hidden costs, its that simple.
Seamless integration, zero cost, and happier employees,
all in just a few clicks.
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