Earned wage access for Australian employers
Fill shifts faster and keep more of your people
Paytime gives your employees access to the pay they have already earned, the moment they need it. Take-up is high because the need is real, and the results show up when you feel them: shift filling, retention, absenteeism and hiring.
Trusted by many Australian employers
32%
faster shift filling
Reported by our clients
Up to 60%
of staff actively use it where offered
Paytime data
45%
less absenteeism
Carbal Medical Services
The problem isn't how much people earn.
It's when they can access it.
Rising costs are real, and no benefit fixes that. But look at when the stress actually hits:
the days before payday, when the money has been earned but has not arrived.
The setup
Sarah
$32/hour
Sarah has worked 35 hours. She has earned $1,120. Payday is Tuesday.
It's Friday. She needs to pay her rego but has $90 in her account after other expenses earlier in the week. She's not underpaid. She's earned the money. She just can't access it yet.
Payday loan
48% p.a.
Credit card
18%+ p.a.
Asking her employer for an advance
Most people will never do it.
With Paytime
Sarah takes out part of the $1,120 she has already earned.
No interest, no credit check, nothing to repay. Just her pay, a little earlier.
Make hard-to-fill and no-show shifts more attractive
When a last-minute shift opens up, giving employees access to their pay straight after their shift can make picking up those extra shifts more valuable.
Most workplace benefits go largely unused
Employers pay for wellbeing and employee assistance programs (EAP) that sit untouched, year after year. Typical EAP utilisation is around 5%.
Paytime is the opposite.
People use it because they genuinely need it.
A benefit nobody uses isn't a benefit.
Paytime gets used.
What that does for your business
Give people their pay when they need it and the stress eases.
Fewer staff leave
Independent research (Harvard Business School) links earned wage access to up to 12% better retention.
Fewer miss work
Money stress shows up as absenteeism and distraction. Ease the stress and attendance improves.
More hard-to-fill shifts covered
Flexible access to earned wages can make picking up an extra or last-minute shift more immediately rewarding.
A benefit candidates know by name
Every employer says they offer competitive pay. Very few can say their people can access it when they need it.
A clear way to show your people you take financial stress seriously.
Retail
“This is just a tool to help people be more responsible, is how I describe it.”
In week one we had a 20% uptake, and we didn't even do a good job of telling everyone about it
REAL ESTATE
“As a market leader in real estate, we knew we had to stay ahead.”
Paytime wasn’t just another benefit – it was essential to remain competitive in today’s market.
How it works
No change to payroll.
No impact on cash flow.
Paytime funds the early access
You never pay wages early or carry the cost.
Your pay cycle stays the same
Everything is reconciled at payroll.
It is not a loan
Staff can only access pay they have already earned, and no debt is created.
We handle the rollout, not your team
Paytime runs launch comms, onboarding and ongoing employee support. Questions from your people come to us, not HR.
Fair Work compliant
The solution complies with Australian employment law.
ISO27001 accredited | SOC 2 compliant | Australian Privacy Act 1988
Guardrails
Responsible by design
You choose the settings, and Paytime enforces them automatically. Before anyone takes money out, the app shows exactly what will come off their next pay. No debt, no rollover.
A cap on how much
Typically 50% of after-tax wages. Nobody can access more than they have earned.
A cap per withdrawal
For example, no single withdrawal over $500.
A cap on frequency
For example, no more than two or three withdrawals per pay cycle.
Under 18s
Guardian consent for minors.
The tools to get ahead, not just get by
Earned wage access solves the immediate problem. These tools work on the long term, with partners like Financial Counselling Australia and Lifeline.
Budgeting tools
Budgeting calculators, financial stress tests and protection from overdrawn fees
Savings goals
Automated savings program that sets a portion of earnings aside each pay
Financial literacy
Short modules on money basics, budgeting, debt, saving for a car or home, scams and growing wealth
Confidential counselling
40+ resources on financial stress, anxiety and wellbeing, plus accredited financial counsellors
Good for your people. Good for your business.
Book a demo and we will build the business case on your own numbers, not generic claims.