To allow employees to access their earned wages, data will be collected about eligible employees like name, salary and hours worked. The implementation team will review your systems and processes to determine the best way to access that data.

The Employer Portal is where employers will configure their program, view employee data and transactions, and access deduction files.

Every employee that wants to participate in the program must download the Netspend Earned Wage Access app. The app will confirm their eligibility, guide them through creating their login credentials and help link a payment account to receive their funds.

Prior to payday, a file will be provided to you with all earned wage access transactions for that period. You’ll then deduct those amounts from the employee’s paycheck. For most payroll systems, all you have to do is upload this file when you process your payroll.

On the scheduled payday, you will be invoiced for the total amount in the deduction file. You can process this through your accounting team or it can be debited from an account you designate (via ACH transfer).