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PayWise+
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AI powered
Employee financial wellbeing platform

PayWise+ is the AI-powered employee financial wellbeing platform that helps UK employers improve retention, boost productivity, and attract top talent. By providing smarter tools for saving, budgeting, and on-demand pay, you give your team financial peace of mind while strengthening your business outcomes.

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The complete financial wellness solution

PayWise+ delivers complete workplace financial wellbeing. It combines earned wage access, smart money tools, and long-term savings support in one seamless platform.

Instant earned wage access

Access up to 50% of earned wages instantly.

No interest, no hidden fees.

Real-time earnings tracking

See earnings accumulate in real-time.

Total pay transparency.

Savings on everyday purchases

Discounts with major retailers.

Smart spending recommendations.

Save as you earn*

High-interest savings options.

Safe, secure, and easy to manage.

Eligible deposits of up to £120,000 per depositor are covered by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme.

Everything Your Employees Need to Manage Their Money

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All in one financial wellbeing platform

From earned wages to savings and AI coaching, PayWise+ brings every financial wellbeing tool your employees need into a single, easy-to-use app.

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Save as you earn. Easy access, FSCS protected, high interest savings account.

Employees can set aside money directly from their earned wages into an FSCS-protected, high-interest savings account, no bank transfer needed, no waiting until payday.

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Savings on everyday purchases directly from your earned wages

Unlock exclusive retailer discounts at Tesco, ASDA, M&S, Morrisons and more,paid directly from earned wages so employees save money on the things they buy every day.

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Financial safety with instant access to earned wages

No loans. No credit checks. No interest. Employees can access the wages they've already earned the moment they need them, giving them a genuine financial safety net between paydays.

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Real time earnings insight for better financial decisions

Employees can see exactly what they've earned, day by day, in real time, so they can make smarter spending and saving decisions before payday arrives.

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AI powered Chat-based tips for budgeting, saving, and planning

Penny, PayWise+'s AI financial guide, gives employees personalised tips on budgeting, saving and maximising their benefits, available whenever they need support, right inside the app.

Employee financial wellbeing made simple

Real results for people and business

PayWise+ delivers measurable results for employees and employers alike.

%

of users say PayWise+ helps them manage financial challenges

%

lower employee turnover reported by employers

%

more savings achieved by employees through the platform

%

reduction in financial stress across users

The employee benefits platform trusted by UK businesses

“Since implementing PayWise+, 89% of our team say they feel increased loyalty to our company. It's become our most valued employee benefit.”

Lisa Chen - People Director Care Services Ltd

“PayWise+ is the first benefit our employees actually thank us for. We've seen a significant reduction in financial stress-related absences and our retention rates have improved dramatically.”

Sarah Johnson - HR Director Regional Healthcare Trust

“The integration with our existing Access systems was seamless. Our staff love the AI guidance, it's like having a personal financial advisor in their pocket.”

Mark Thompson - Operations Manager Hospitality Group

How Financial Stress Is Impacting Employees in 2025

1 in 3 employees say financial pressure is affecting their work. Discover what benefits organisations are offering this year, where gaps still remain, and how improving financial wellbeing can boost retention and performance.

Read our report

Ready to improve employee retention? Book a demo now.

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The workplace financial wellbeing challenge

  • Over half of UK workers say money worries prevent them from performing at their best.
  • The cost-of-living crisis means employees need more than perks like gym memberships – they need real financial support.

That’s why employers are shifting to employee financial wellbeing benefits that provide immediate, practical help with daily money decisions.

Why forward-thinking employers choose PayWise+

Seamless integration, immediate value

Already using Access products? PayWise+ integrates in minutes with payroll and workforce systems:

  • Works with Access payroll, rota, POS, and care management
  • No complex IT setup or extra passwords
  • Instant adoption and immediate employee value

Other apps overwhelm with data. PayWise+ delivers financial clarity with AI-powered insights:

  • “Here’s how today’s spending affects your savings goals.”
  • “This is what your emergency fund could look like in 6 months.”

Industry-specific financial wellbeing solutions

Health & Social Care

  • AI understands irregular shifts & pay
  • 25% less staff turnover 
  • 46% more shifts taken
Health & Social Care

Hospitality 

  • AI trained for tips, seasonal work & flexible hours
  • 35% reduction in staff turnover 
  • 60% stronger recruitment
Hospitality

Recruitments

  • Personal AI coach learns patterns and goals across all industries
  • 80% feel higher loyalty
  • 54% say it’s their most valued benefit
Recruitments

Access PayWise+ FAQs for employers

What is PayWise+?

How is PayWise+ different from traditional employee benefits?

PayWise+ is Access’s AI-powered financial wellbeing platform that goes beyond traditional employee benefits that often go unused. 

It combines earned wage access, real-time earnings tracking, savings options, and AI-driven financial guidance to reduce staff stress, improve financial confidence, and enhance retention.

Is PayWise+ a loan service?

No. The earned wage access element of PayWise+ lets employees withdraw pay they’ve already earned, it’s not borrowing. 

PayWise+ is a complete financial wellness platform that helps with budgeting, saving, and long-term wealth building. Earned wage access is just one of the many benefits.

Integration & Access

How does PayWise+ integrate with payroll and HR systems?

PayWise+ integrates directly with your existing Access payroll and time & attendance systems with no additional IT complexity. The platform provides:

  • Seamless data flow between your HR systems and the PayWise+ platform
  • Automatic employee onboarding when new staff join
  • Real-time synchronisation of working hours and earnings data
  • Native integration with your existing Access products

How do we control employee access?

You maintain full control over PayWise+ access:

  • Employee Terms of Use must be accepted in-app, detailing all features and any applicable fees
  • Flexible access controls - disable usage for staff on leave, dismissed employees, or specific contract types (zero-hours, temporary staff
  • Automatic onboarding for new employees
  • Withdrawal limits can be set by percentage of accrued earnings and absolute amounts (typically max 50% for earned wage access)
  • Usage monitoring provides insights into employee financial wellness

How do wage withdrawals appear in payroll?

Any earned wage access transactions appear as standard deductions in your payroll system. Your existing payroll schedule remains unchanged, and the process is completely cashflow neutral for your organisation.

When is PayWise+ available?

Employees can access guidance and savings tools 24/7. Earned wage access may have brief downtime during payroll processing.

Business Impact & ROI

How does AI financial guidance help employees?

PayWise+ uses artificial intelligence to provide personalised financial insights:
Instant Access to Earned Wages

  • Access up to 50% of earned wages
  • No interest or hidden fees

Real-time Earnings Tracking

  • See earnings accumulate in real-time
  • Complete transparency over pay

Savings on Everyday Purchases

  • Discounts with major retailers
  • Smart spending recommendations

Save As You Earn 

  • High interest savings options
  • FSCS protected

 

  • Clear, actionable advice: Instead of overwhelming charts and data, employees receive simple guidance like "Here's how your spending affects your savings goals"

What costs are involved for employees?

Most features are free as part of employee benefits. Earned wage access may include a small, transparent transaction fee displayed in the app.

What return can we expect from implementing PayWise+?

PayWise+ delivers measurable business impact:

  • 25% reduction in staff turnover - addressing the #1 cause of employee stress (financial pressure)
  • Higher employee engagement - 93% of users say PayWise+ helps them navigate financial challenges
  • Reduced absenteeism - employees with better financial wellness take fewer stress-related sick days
  • Enhanced productivity - financial stress costs UK businesses £15.2 billion annually in lost productivity

How does PayWise+ ensure responsible use?

Built-in safeguards include AI education, spending insights, emergency fund building, usage controls, and access to professional financial advice.

Implementation & Support

How quickly can we implement PayWise+?

Implementation is designed for speed and simplicity:

  • Rapid setup: Complete integration typically takes just hours, not days
  • Comprehensive toolkit: Pre-built templates and communication materials for employee rollout
  • Branded experience: Your company logo and branding throughout the employee experience
  • Seamless transition: For existing EarlyPay customers, this is a natural evolution with enhanced capabilities.
  • Dedicated support: For implementation and ongoing for questions and optimisation.

Can PayWise+ be customised for different sectors?

Yes. Sector-specific optimisations support shift work and irregular pay cycles in industries such as healthcare, hospitality, and many others.

What if we already use EarlyPay?

The transition to PayWise+ is seamless. Your existing earned wage access functionality continues unchanged, while your employees gain access to new, powerful financial wellness features. This represents a natural evolution of your employee benefits package.

How do we get started?

Contact your Access Account Manager to schedule a demo, discuss implementation, review pricing, and plan employee rollout.

Transform your employees' benefits 
Get your PayWise+ demo

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