Earned Wage Access For the Modern World

Download an introduction to Earned Wage Access and its contribution to employee retention and financial wellbeing.


Earned Wage Access For the Modern world

An introduction to Earned Wage Access and its contribution to employee retention and financial well-being.

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A Message From Our CEO

makes sound business sense, particularly in challenging economic circumstances. Employers that provide this employee retention. Given the ease with which an earned wage access solution can be implemented, thanks to technology platforms like AnyDay, we believe all businesses should and will be giving the solution careful consideration in the near future. We hope this paper proves helpful in that regard.

Brian Brinkley, CEO AnyDay Powered by QRails

The Working World Needs Earned Wage Access (EWA)

Employee retention, essential to business growth and longevity, requires an employer to provide competitive wages and support the overall financial wellness of its employees. Instant pay of accrued wages – what we and others refer to as “earned wage access” – addresses both needs.

Earned Wage Access and Employee Retention

It’s clear that desperate times will often encourage a person to resort to desperate measures, such as payday loans, which cause financial strain. On top of this, today’s workforce faces myriad challenges. Whether it is student loans, credit card debt, taking care of an aging parent or planning for retirement, there are various hurdles in place when it comes to achieving a sense of real financial security.

Earned Wage Access: Beyond the Gig Economy

Wage-payment alternatives are being adopted across a wide range of industries. Earned wage access presents opportunities and benefits for international corporations, brick- and-mortar retailers, and traditional gig economy users.

How to Select an Earned Wage Access Partner

When considering a partner, it is important to review parameters for wage disbursement and how on-demand pay is funded for the payroll provider and employer. Leading earned wage access solutions that actively help employers manage the financial wellness of their employees do not advance future wages or charge interest. Instead, they provide employees access to already-accrued funds.

How Earned Wage Access Works for Employees and Employers

~ The employee enrolls with a simple, one-time activation.

~ The employer dashboard enables the employer to set withdrawal limits, establish other risk controls, and generate reports.

The AnyDay Solution

How have we faced these challenges in a way that supports employees’ financial well-being as well as the business imperatives of employers to recruit and retain staff?

Executive Summary

Our dedicated team has extensive experience in the financial services sphere and a track record of success in the payments industry.


As awareness of instant pay grows, hourly and salaried workers want employers to provide immediate access to earned wages. Simultaneously, enterprises, including brick-and-mortar businesses, want an effective earned wage access solution as a tool to recruit and retain employees.