AI powered

Employee financial wellbeing platform

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.

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.

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

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

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.

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

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"

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

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

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

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.

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

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.

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