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Earned wage access without any payroll disruption

Financial stress doesn’t stay at home. When employees worry about money, it shows up at work. Earned wage access (EWA) bridges the gap without adding extra work for your payroll team or cost to your organization.

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50%

of American households have less than $500 in savings

22%

of workers run out of money before payday

47%

are distracted at work due to financial stress

73%

would leave for an employer who offers better financial well-being support

Earned wage access services

myFlexPay
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Employees want flexible pay options

Most workers experience a cash flow gap between paydays. Unexpected expenses hit before the next paycheck arrives, and when it happens, they face a choice: take on debt, ask for advances, or go without essentials. On-demand pay — access to wages already earned — removes that bind. When employers provide this, it immediately becomes a recruiting and retention differentiator.

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Not a payday loan

Earned wage access is not a loan, and this distinction matters. Employees access wages they’ve already worked for — money your organization already owes them. There’s no interest, credit check, or debt obligation. The only cost is a flat fee for instant transfers, clearly shown in the app before confirmation. 

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Swap surviving until payday for building stability

EWA solves the immediate cash flow problem, but the real value is what comes next. When employees can access earnings on their schedule, they don’t make expensive decisions due to financial stress. They’re more focused at work, they stay longer, and they’re more likely to build financial resilience if you provide the tools and guidance alongside it.

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How OneSource Virtual delivers earned wage access for Workday

myFlexPay is OneSource Virtual’s (OSV) financial well-being solution for Workday customers. It starts with earned wage access, but goes further — employees get real-time earnings tracking, savings, budgeting, credit building, and personalized financial coaching, all in one app.

For your payroll and HR teams, implementation is straightforward. Unlike standalone EWA apps that require integrations or manual reconciliation, myFlexPay is administered inside your Workday tenant. Nothing changes about your payroll process, deductions, or cash flow.

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When EWA is built for payroll and supported by experts

myFlexPay customers see measurable results. Employers report 22% reduction in turnover, 25% less absenteeism, and 21% more shifts filled. Employees report improved financial situations and feel more positive about their employer.

Those outcomes come from OSV’s approach: technology built for your payroll process and backed by our operations team that handles the day-to-day. Your HR and payroll teams are free to focus on strategies that advance the business forward.

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Hear from our customers

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“Even our recruiting team reached out when we first rolled [myFlexPay] out, and they said, ‘Oh, that’s a great benefit.’ And they added it to all their recruiting stuff, so they could advertise that we do have earned wage access, because once people know what it is and know how to use it, and really see the benefits of it — they want it.”

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“The roll-out was straightforward and there’s no impact on our payroll function. Staff get access to their earned pay at any time, which reduces their financial stress, improves their financial well-being, and allows them to bring more of themselves to work.”

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“[Earned wage access] has been a huge hit with our employees. People really appreciate how easy it is.”

Frequently asked questions

What is earned wage access?

Is earned wage access the same as a payday loan?

Could myFlexPay trap employees in fees or debt?

Does offering myFlexPay cost my company anything?

Am I at risk if an employee leaves before payday?

Will earned wage access disrupt my payroll processes?

Does earned wage access help with retention and recruiting?

Bridge the gap between paydays

See how myFlexPay works inside Workday and what your team can expect during implementation.

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Take payroll off your team's plate

From processing to tax to garnishment to financial well-being, OSV's payroll experts run the work inside your Workday tenant. Your team gets full visibility and approval control, we execute, and the strategic work finally gets the attention it deserves.

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EWA insights just a click away

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Case Study

Integrity Marketing on Flexible Pay and Employee Goodwill

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Case Study

The Right Payroll Processing Company for Growth

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eBook

The Ultimate Buyer's Guide for EWA — for Benefits and HR

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Data Sheet

myFlexPay by OneSource Virtual

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