What workers get
- Money when they need it, not on payday
- Free standard transfer options
- Flexibility in how they access their pay
Three products. One platform. No cost to your business to offer.
See how Patch fits your businessGaps between paychecks. Emergencies that need affordable financing. A simple way to receive and use their pay.
Workers tap wages they've already earned, before payday. No interest. No overdraft.
Installment loans at 19.99% APR, repaid through payroll. A real alternative to payday lending.
A simple way for workers to manage their pay. Direct deposit, instant access, free transfers. Get paid up to 2 days early.
Launching July 2026. Partner and business conversations open now.
Earned Wage Access lets your workforce access wages they've already earned, before the scheduled payday. The wages are advanced to the worker; the advance is automatically deducted from the next paycheck. No interest, no overdraft, no debt cycle. EWA isn't a loan, it's access to wages the worker has already worked for.
of employees say they'd be more likely to work for an employer who offers earned wage access.
When workers hit an emergency, the options are bad. Payday loans at ~400% APR. Title loans with similar terms. 401(k) hardship withdrawals that cost 30% in taxes and penalties. Workplace Loans give your workforce a real alternative.
Workplace Loans give your workforce an alternative. The loans are installment-structured at 19.99% APR fixed, with repayment automatically deducted through payroll over a defined period. No credit check required to apply. Money available as soon as the next day.
The structural difference matters. Payday loans are designed to be renewed; Workplace Loans are designed to be paid off. Workers end with a closed loan, not a renewed one. The worker pays down principal each pay cycle and stays out of the debt trap.
$92.63/mo
On a typical $1,000 loan over 12 months.
~$111.56 total interest over the life of the loan.
The Patch Card connects the platform together for your workforce. Direct deposit lands on the card, with paychecks available up to 2 days early. EWA transfers come to the card too. Standard ACH transfers are free and take 2-3 days; instant transfers are available for a small fee. Workplace Loan funds deposit to the card as well. Workers can spend right away, move money at no charge, and skip the fees that come with check-cashing storefronts and high-fee alternatives.
For unbanked or underbanked workers, the Patch Card is a card and account that doesn't cost them money to use. For banked workers, it's an integrated way to manage everything Patch offers, in one place.
Paycheck Access products are offered at no cost to your business. No platform fee, no per-worker license, no minimums.
Patch worker tools activate through your existing payroll system. We coordinate the rollout, communicate to your workforce on your terms, and make enrollment easy.
You decide which Paycheck Access products to offer and how to roll them out. Workers manage their tools through the Patch app once enrolled.
Patch's Paycheck Access products launch in July 2026. We're having conversations with businesses and partners now because we know what we're building. Businesses that engage now get on the platform, get their workforce introduced to what's coming, and can activate products on the day they're available. The conversation is ready; the products are close.
EWA is access to wages a worker has already earned, deducted from the next paycheck. There's no interest, no overdraft, no debt cycle. A Workplace Loan is a separate installment-structured loan at 19.99% APR, repaid through payroll over a defined term. EWA bridges to the next paycheck; Workplace Loans cover larger emergencies.
Yes. The Patch Card gives unbanked workers a card and pay account with no monthly fee or minimum balance. EWA and Workplace Loan funds can deposit directly to the Patch Card. No outside bank account required.
Workers can access a portion of wages they've already earned in the current pay period, with daily and per-pay-period limits to prevent overuse. Exact limits are tuned to balance worker access with financial wellness.
Patch integrates with most major payroll systems. The integration handles wage data, direct deposit, and loan repayment deductions automatically. We work through specifics with you during the initial conversation; no platform re-engineering is required on your end.
No. Patch is free to access and there's no long-term commitment. You can stop offering any product at any time.
Patch handles worker rollout and education. We coordinate with you on timing and communication style, provide enrollment materials in print and digital formats, and offer in-app tutorials for workers once they're enrolled. Your team doesn't need to become the help desk.
Start a conversation with the Patch team. We'll talk through what your workforce is dealing with and which products would actually help.