The right financial
wellness tools for
your workforce
Offer workers early access to wages (EWA), savings, spending, and credit building directly through your existing HR stack. Built for enterprise benefits teams, human capital management systems, and gig platforms.
Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.
57%
Of workers cite finances as a top stressor1~$1.1T
Annual cost in lost productivity to U.S. employers due to financial stress251%
Of employees feel overwhelmed managing their finances193%
Of those surveyed think companies should offer financial wellness tools to employees3
Workforce benefits that actually make a difference
Solutions that work for all types of work
- Help your employees manage cash flow and reduce financial stress by offering earned wage access – so they can access wages they've already earned before payday – and early access to their entire paycheck.
- Give your employees the right tools to save, budget, and monitor credit for free
- Improve employee satisfaction and retention efforts
- Deliver differentiated value
- Increase employee engagement within your platform
- Unlock new revenue opportunities
- Workers with a OnePay deposit account may access their earnings and tips in seconds4
- Integrated banking, savings, and credit building features available with a OnePay deposit account
- Account holders can earn 10¢/gal cash back on gas on average at participating gas stations with gas rewards.5 Cash back earned as points.
- OnePay powers instant earnings for millions of delivery drivers today
An experience designed just for your workforce
Give employees faster access to their money
Offer earned wage access (EWA), 2-day early pay for their entire paycheck,6 and instant payouts7 to end employees. Plus Fee-Free Overdraft with eligible deposits.8
Help employees build stronger savings habits
Support long-term financial wellness with high-yield Savings and Round-ups. Employees also get 3.35% APY on Savings balances.9
Provide access to credit-building
Help employees build credit history with the Builder Card that builds credit with every swipe.10 Plus, free credit score tracking and insights.
Deliver everyday financial benefits
Give employees the tools to earn cash back11 and grow their financial know-how with OnePay’s AI Money Companion that makes managing money actually make sense.
Frequently asked questions
OnePay is our consumer finance app that is trusted by millions of Americans. It gives consumers a single place to save, spend, borrow, and grow their money.
OnePay Enterprise is a dedicated team building a suite of financial tools for enterprises. We partner with employers, HCM platforms, HR tech providers, payroll companies, and gig, contract, and staffing workforce platforms to offer financial wellness as an embedded benefit delivered directly within the platforms and apps employees already use.
OnePay | OnePay Enterprise | |
Who uses it | Individual consumers | Employers, HR tech & payroll platforms, and gig, contract, and staffing workforces |
What we offer | A consumer app that brings banking, payments, Savings, financial literacy, and investing together in one place | A suite of financial tools embedded directly into the platforms and apps businesses already use |
How to access it | Download the OnePay app from the Apple App Store or Google Play | Become a OnePay Enterprise partner. Email us to learn more |
How to access pay early | 2 Day Early Pay6, OnePay Advance12 | OnePay @Work |
OnePay Enterprise builds solutions for employers, HCM platforms, HR tech, payroll partners, and gig, contract, and staffing workforces that want to offer embedded financial wellness as a benefit to their workforce. Whether you're an HR tech provider looking to embed financial tools into your existing platform, an employer wanting to give employees early access to their pay and financial resources between paychecks, or a gig platform supporting independent contractors – OnePay Enterprise meets you where you already operate.
OnePay works with companies and platforms across many industries and is not limited to specific verticals. We see the strongest adoption among organizations with large populations of frontline or hourly workers, such as retail, logistics, hospitality, healthcare, staffing, construction, and manufacturing. If you’re exploring how OnePay could fit, we’re happy to connect. Book a demo with us to learn how OnePay Enterprise can help you and your employees.
According to PWC, over 50% of workers cite finances as a top stressor1. OnePay Enterprise helps address this by giving workers faster access to their pay and tools to better manage their money between paychecks, reducing the liquidity gaps that contribute to financial stress. For businesses, embedding financial wellness tools can support retention, improve employee engagement, and drive adoption of your platform or app.
OnePay @Work (employer-sponsored EWA) lets employees access wages they've already earned before payday, based on actual hours worked. It connects to your payroll and timekeeping data. No OnePay deposit account required.
2 Day Early Pay6 (consumer banking feature) is for OnePay deposit account holders with direct deposit. When your bank sends the paycheck, OnePay posts it up to 2 days before payday. It's not an advance on wages; it's how OnePay processes incoming direct deposits. 2 Day Early Pay6 is a standard feature offered by many banks and neobanks – OnePay deposit account holders get it automatically with direct deposit set up. No payroll integration required.
OnePay Advance (consumer banking feature)12 gives OnePay deposit account holders with eligible deposits instant access to funds between deposits. It works as an overdraft feature on a OnePay deposit account and is not a loan or an advance on wages. The amount available is based on account cash flow activity, not hours worked or employer data. A flat 3% fee applies. Repayment is automatic from the next eligible incoming deposit. No employer relationship or payroll integration required12. Learn more here.
More on how the three products differ here:
OnePay @Work | 2 Day Early Pay6 | OnePay Advance12 | |
Who uses it | Employers offer it as a workforce benefit | Individual employees, through a OnePay deposit account | Individual employees, through a OnePay deposit account with eligible deposits |
How it works | Integrated with payroll and timekeeping systems | Posts the direct deposit the moment it arrives from the employer's bank | Overdraft feature on deposit accounts |
Ideal for | Employers wanting to offer EWA as a workplace benefit | Consumers and employees who want faster access to their paycheck | Consumers and employees who need a small amount of liquidity |
OnePay connects to your existing payroll, time, and attendance systems, with pre-built integrations for most major HR, payroll, and timekeeping platforms. Most deployments are live within a matter of weeks. OnePay also forward-deploys product and engineering teams to work directly alongside your team during setup. If you want to learn more about the compatibility of your systems, please contact us.
No. OnePay @Work runs alongside your existing payroll. Nothing about your pay cycle changes.
EWA is just the starting point. Unlike standalone EWA providers, OnePay offers both employer-sponsored EWA (OnePay @Work) and 2 Day Early Pay6, alongside a full suite of financial wellness tools for eligible OnePay deposit account holders:
High-yield Savings9: earn more on money set aside between paychecks
Fee-free Overdraft8: no fees if employees spend more than their deposit account balance, available with eligible deposits
Provide access to credit building: help employees build credit history with the Builder Card that builds credit with every swipe11. Plus, free credit score tracking and insights.
One Pay Money Companion: an AI-powered companion embedded in the OnePay app designed to help employees better understand and manage their money
So while EWA helps employees bridge the gap between paychecks, the broader OnePay platform offerings give them tools to build long-term financial health.
OnePay is different from just a traditional paycard: instead of enrolling in an employer-provisioned card, the employee simply sets up direct deposit as normal with OnePay, and the account stays with them across jobs. Additionally, OnePay offers a full suite of financial wellness tools with a OnePay deposit account.
OnePay is not a standalone EWA provider – it's a full financial wellness platform. If you already have an EWA provider in place, OnePay can complement it by giving employees access to a broader set of financial tools. Many organizations find that EWA alone addresses the gap between paychecks but doesn't help employees build longer-term financial stability. We'd love to learn more about your current setup and find where we fit. Book a demo.
Pricing for organizations varies depending on the size of your deployment, the size of your workforce, and the products you offer. Email us to set up a call to learn more.
Yes. OnePay built the payment infrastructure for a large last-mile delivery platform serving over 1 million drivers. This includes instant trip payout, tips delivered within 24-48 hours of a trip, and weekly incentive payouts every Tuesday4.
