Earned Wage Access Implementation Cost Breakdown for Employers

Cost Components

• Vendor platform & per-transaction fees
• Integration engineering & payroll mapping
• Funding float / prefunding interest
• Compliance review (legal + security)
• Support & change management overhead

Pricing Structures

Employer-paid, employee-paid, shared, hybrid subscription + usage, and embedded benefits bundles.

ROI Inputs

Retention uplift, absenteeism reduction, recruiting conversion & worker satisfaction deltas.

Implementation Checklist

• Data minimization & secure transport (SFTP/API)
• Reconciliation cadence & exception handling
• Guardrails (max % of earned wages, cooldown)

Internal Links

• On-Demand Pay Benefits
• Integration Checklist
• Payroll Compliance

For HR/finance evaluation; not legal or tax advice.