How does repayment work?

When an employee accesses earned wages early, that amount is repaid through your normal payroll cycle — you don't process a separate payment, and your pay schedule doesn't change.

Here's the flow:

• An employee transfers a portion of their earned wages before payday
• Express Wages notifies you and your payroll provider of the amount, recorded as a prepayment of that employee's wages
• That amount is withheld from the employee's next paycheck, so they receive their remaining pay as usual
• If an amount remains outstanding, it carries to the following payroll cycle until it's settled

Your implementation contact sets this up during onboarding so it runs as part of your existing process.

Example

During a pay cycle, three of your employees take early transfers totaling $900. Before payday, Express Wages sends each of them their requested amount.

When payroll runs, Express Wages totals those transfers — $900 — and notifies you of the amount. That $900 is then collected by ACH to reconcile the balance.

Your total payroll cost is unchanged. You're paying the same wages you always would; Express Wages simply delivered a portion of them earlier and is reconciled at payroll. There's no separate invoice to manage and no change to how you run payroll.