Make payouts a revenue line.
Card fees, ACH fees & bank transfer fees, all eat into your margin on every transaction. Flip the script by turning payouts into yield and interchange revenue — while reducing payment costs.
How it works: Financial flows
Earned wage access (EWA) for sellers & providers
Pay your providers the way they want to get paid. Earned Wage Access lets sellers tap funds early for a small service fee. From there, access is instant: Push-to-card for withdrawal in seconds, or everyday spending through a marketplace-branded debit card.
Wallets come with their own unique routing and account numbers, so loading funds costs nothing. And, balances can be spent right within the ecosystem to purchase goods or services at a fraction of the typical payment acceptance cost.
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More revenue, lower cost payments, more loyalty
Earn yield on revenue
User balances held in the platform earn interest until the monent they are spent.
Eliminate payout costs
Increase margins by removing network card fees and bank charges.
Add interchange & fees
Earn interchange with every swipe of the debit card, charge fees for earned wage access.
Improve payouts with EWA
Providers stick with platforms that make getting paid easy and fast. Make yours the preferred selling platform.
Marketplaces can:
Offer earned wage access
Deliver payouts via debit cards
Reduce payout and payment acceptance fees
Build new revenue via yield and interchange
Frequently asked questions
How can we offer earned wage access (EWA)?
Earned wage access allows providers to tap into accrued earnings at any time. Each seller is issued a stored-value wallet to hold their proceeds from selling in the marketplace. Debit cards can be attached for immediate spending.
How are payments processed?
Processor payments settle to the marketplace in a single daily bulk transfer, rather than settling individually and incurring per-transaction costs.
How do wallets generate revenue?
Revenue comes from yield on stored balances and interchange from attached card use. Additionally, some marketplaces charge a fee for early access to earnings, creating another revenue source.
Can wallets support additional banking functions?
Yes. In addition to attached debit cards for spending, wallet holders can send remittances, international transfers and pay bills. These can generate new fees for the platform, and while funds stay with the marketplace, they earn interest.