Earned wage access

A Growth Engine for Banks

PayKey’s Earned Wage Access (EWA) solution redefines the bank’s relationship with corporate employees by providing on-demand access to earned income, enabling greater liquidity and financial resilience.

Unlocking new revenue streams for banks

Creating revenues from EWA transactions alongside targeted cross-sell & upsell opportunities including loans, savings, and more

A customer acquisition channel

Reaching new customers via a service offered to all corporate employees, including customers of other banks

Prompting personalized services with new data

Proactively offering high-intent financial services to customers of all banks based on an understanding of HR data and life events

A Key Channel to Engage with Employees

Banks can now leverage a new channel, accessed by the average Earned Wage Access user over 1.5 times/day, to offer the banking services that fit customers’ cashflow needs.

Track Earnings

Allow employees to monitor their real-time earnings and check the current amount available to withdraw.

How It Works

The solution requires a single integration between PayKey and the bank to facilitate the full Earned Wage Access flow:

EWA Solution Highlights

Connecting to HR &
Payroll Systems

The solution intgerates with all Human Capital Management systems, providing banks with new presonalization capabilities.

Risk Engine

PayKey’s risk engine leverages multiple data sources and behavior indicators to minimize all risk for banks.


A single integration with PayKey’s platform enables banks to enjoy multiple connections and full EWA functionality.


PayKey offers the solution as a standalone application, hosted within the bank’s app, or combined with the Banking Keyboard to provide flexibility.


The solution is fueled with data across PayKey’s platform to optimize the solution and enhance user journeys.

Fully Compliant
& Secure

PayKey’s solution complies with all local regulations and adheres to the highest security standards vetted through penetration tests.

Are you ready to learn more?

Request a demo

By clicking the button, you agree to the Terms and Conditions. Click Here to Read PayKey’s Privacy Policy