Employee FAQs for Access EarlyPay

Access EarlyPay gives you access to some of the money you've already earned. You're just using EarlyPaay to draw down on this money before payday.

There is no interest charged when you draw money using EarlyPay, as it is not a credit facility. You're simply drawing what you have already earned for that pay period before payday.

There is no need for a credit check when you use EarlyPay.

The EarlyPay app shows money available to draw down. Once you draw down the money shows in your bank account in minutes.

You are in control. Access EarlyPay can be disabled or enabled for access in these situations.

Your payroll team can see any EarlyPay transactions to process the payroll accurately. Your manager will not know unless they ask the payroll team for the information. The level of confidentiality is the same as that used for payroll in general.

Yes. Employers can control access to the service. This service is a benefit, so it's offered at the employer's discretion

The Access EarlyPay app shows you the full transaction history.

EarlyPay is available 24/7 for most of the time, but your company payroll team needs time to process everyone's pay. This means that each month, there may be a few days you cannot use the EarlyPay app. Your company can provide more detail on this.

The app is free to download, but there is a small fee for every transaction. This fee is clearly shown before you decide to proceed.

The software (app) provider receives the transaction fee. It funds the cost of finance to pay you early, and provides the app and the service to your employer.

The transaction fee is charged on top of the money being withdrawn, the amount you see does not include the fee.

Access EarlyPay works by showing a percentage of your gross earnings. Any money you draw down won't appear in your normal monthly pay. There's also a provision made for deductions to ensure these are covered on payday.