More than a payment tool
Paywallet provides proactive information to better manage credit risk.
Know Where The Borrower Works
INSIGHT
- Employer
- Employment tenure
- Income
ACTION
- Incorporate stable employer into acquisition decisions.
- Trigger risk mitigation tools before payment disruption as employment status/income changes.
Know Where The Borrower Banks
INSIGHT
- Primary account with payroll deposit
- Does the borrower own that account
- Advance notice on funds availability
ACTION
- Acquisition decisions on knowing client owns payroll account
- Monitor and access repayment accounts based on funds availability.
Manage The Borrower’s Payments
CAPABILITY
- Payroll Allocation
- ACH
- Debit/Credit Card
ACTION
- Payment fulfillment through payroll deduction
- Draw on bank account based on advance knowledge of failed payroll deduction
2022
Discover a new
Payroll-linked Ecosystem
Paywallet is a payroll-linked payment and identity solution provider that clients can use to expand borrowing and purchasing power of their customers.
Easy To Adopt
SAAS Architecture


Single Source of Employment & Banking Services
A Full Suite of
Repayment Capabilities
Paywallet Has A Broad Set of Repayment Capabilities For Companies To Offer Customers Including Direct From Payroll, ACH, Debit or Credit.
Enhanced With “Best Day To Collect” Algorithm, We Optimize Repayment Certainty By Understanding The Combination of Payroll Provider Deposit Timing & Bank Funds Availability Model.


Proactive Status
Notifications
Paywallet Monitors Status Changes To Employment & Banking Information Which Can Be Used For Servicing Purposes.
Items Like Employment Status & Pay, Changes In Primary Bank Account Or Advance Awareness Of Repayment Can Be Triggered To You.
By linking Paywallet to their payroll your customers can
Access Payroll Early
Paywallet funds your customer's existing bank account at any institution 2-3 days earlier. No need to change established bank relationships.
Improve Borrowing Terms
With a repayment commitment linked to payroll, lenders can expand their reach to millions of new customers while improving terms to retain existing customers.
Ensure Timely Payments
Paywallet enables a frictionless direct payment from payroll, automating wage allotments and collections.
Transact With Merchants
Paywallet enables millions of individuals to participate in buy now pay later (BNPL) at point of sale (POS), bringing together borrowers, lenders and merchants.

