OnePay is a fintech, not a bank. Banking services are provided by our bank partners.

The right financial wellness tools for your workforce

Give employees savings, spending, and credit tools directly through your existing HR stack. Built for enterprise benefits teams, human capital management systems, and gig platforms.

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OnePay™ is a financial technology company, not a bank.

Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.

• 57% Of workers cite finances as a top stressor​1
• ~$1.1T Annual cost in lost productivity to U.S. employers due to financial stress​2
• 51% Of employees feel overwhelmed managing their finances​1
• 93% Of those surveyed think companies should offer financial wellness tools to employees​3

Workforce benefits that actually make a difference

When workers struggle financially, businesses feel it. Help reduce turnover, boost engagement, and unlock productivity with benefits that move the needle.

Solutions that work for all types of work

For Employers

Give employees access to modern financial wellness benefits that support their everyday financial needs — all at no cost to your business.

• Help your employees manage cash flow and reduce financial stress by offering earned wage access – so they can access wages they've already earned before payday – and early access to their entire paycheck.
• Give your employees the right tools to save, budget, and monitor credit for free
• Improve employee satisfaction and retention efforts

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For HCM Platforms, HR Tech, and Payroll Partners

Join the leading HR platforms already using OnePay to give your enterprise customers a better way to support their workforce. Embed OnePay's financial wellness tools into your platform and let employers offer real financial benefits to their employees.

• Deliver differentiated value
• Increase employee engagement within your platform
• Unlock new revenue opportunities

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For Gig, Contract, and Staffing Workforces

With a OnePay deposit account, your users can get access to instant payouts, tips, and embedded financial services that help independent workers get paid faster and better manage their money.

• Workers with a OnePay deposit account may access their earnings and tips in seconds​4
• Integrated banking, savings, and credit building tools available with a OnePay deposit account
• Account holders can earn 10¢/gal cash back on gas on average at participating gas stations with gas rewards.​​5 Cash back earned as points.
• OnePay powers instant earnings for millions of delivery drivers today

An experience designed just for your workforce

• Give employees faster access to their money

Offer earned wage access (EWA), 2-day early pay for their entire paycheck,​6 and instant payouts​7 to end employees. Plus Fee-Free Overdraft with eligible deposits.​8

• Help employees build stronger savings habits

Support long-term financial wellness with high-yield Savings and Round-ups. Employees with eligible deposits also unlock Fee-Free Overdraft​8 and 3.35% APY on Savings balances up to $250,000.​9

• Provide access to credit-building tools

Help employees build credit history with fee-free Credit Builder Loan with eligible deposits,​10 free credit score tracking and insights, and a Builder Card that builds credit with every swipe.​11

• Deliver everyday financial benefits

Give employees the tools to earn cash back​12 and grow their financial know-how with OnePay’s AI Money Companion that makes managing money actually make sense.

See what OnePay can do for your team

OnePay is a benefit your employees will actually use — see how it works for your team.

Frequently asked questions

What’s the difference between OnePay and OnePay Enterprise?

• OnePay is our consumer app that is trusted by millions of Americans. It gives consumers a single place to save, spend, borrow, and grow their money.
• OnePay Enterprise is a dedicated business unit building a suite of financial tools for enterprises. We partner with employers, HCM platforms, HR tech providers, payroll companies, and gig, contract, and staffing workforce platforms to offer financial wellness as an embedded benefit delivered directly within the platforms and apps employees already use.

What types of organizations use OnePay Enterprise? OnePay Enterprise builds solutions for employers, HCM platforms, HR tech, payroll partners, and gig, contract, and staffing workforces that want to offer embedded financial wellness as a benefit to their workforce. Whether you're an HR tech provider looking to embed financial tools into your existing platform, an employer wanting to give employees early access to their pay and financial resources between paychecks, or a gig platform supporting independent contractors – OnePay Enterprise meets you where you already operate.

What industries does OnePay Enterprise support? OnePay works with companies and platforms across many industries and is not limited to specific verticals. We see the strongest adoption among organizations with large populations of frontline or hourly workers, such as retail, logistics, hospitality, healthcare, staffing, construction, and manufacturing. If you’re exploring how OnePay could fit, we’re happy to connect. Book a demo with us to learn how OnePay Enterprise can help you and your employees.

What problems does OnePay Enterprise solve? According to PWC, over 50% of workers cite finances as a top stressor1. OnePay Enterprise helps address this by giving workers faster access to their pay and tools to better manage their money between paychecks, reducing the liquidity gaps that contribute to financial stress. For businesses, embedding financial wellness tools can support retention, improve employee engagement, and drive adoption of your platform or app.