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Employer Instant Pay Integration: Technical & HR Checklist
Oct 7, 2025
Employer
Launching instant pay (earned wage access) touches payroll systems, treasury operations, HR policies and compliance. This checklist sequences critical tasks for smoother deployment.
Phase 1: Scoping
- Define eligible employee segments (hourly vs salaried).
- Confirm wage calculation granularity (shift, hours, tips).
- Establish funding float responsibility (provider vs employer).
Phase 2: Technical Mapping
| Data Element | Source System | Frequency | Validation |
|---|---|---|---|
| Hours Worked | Time & Attendance | Daily | Overtime flag |
| Gross Pay Accrued | Payroll | Daily | Variance check |
| Tips / Commissions | POS / CRM | Shift End | Outlier review |
Phase 3: Compliance & Risk
- Review jurisdictional wage deduction / assignment rules.
- Document data retention & deletion timelines.
- Assess vendor SOC / penetration test reports.
Phase 4: Employee Communication
- Plain-language FAQ: cost, limits, repayment timing.
- Emphasize responsible use & savings options.
- Provide opt-out and data revocation instructions.
Phase 5: Pilot Monitoring
| Metric | Baseline | Pilot (60d) |
|---|---|---|
| Usage Penetration % | (record) | (track) |
| Advances / User / Month | (record) | (track) |
| Overdraft Correlation | (record) | (track) |
Phase 6: Scale & Optimization
Iterate eligibility rules, add savings auto-allocation, refine messaging for high-frequency cohorts.
Internal Links
Checklist guide only; adapt to local laws.