Give Your Team Instant Access to Their Earned Wages with On-Demand Pay

The way we get paid has remained largely unchanged for decades. Employees work, accumulate hours, and wait until the end of the pay cycle to receive their earnings. But in an age where instant access to services and money is the norm, traditional pay cycles can create financial strain for employees and hinder workforce flexibility.

That’s why HR Duo is launching On-Demand Pay for UK employers, a game-changing feature that allows employees to access their earned income whenever they need it—without waiting for payday.

What is On-Demand Pay?

On-Demand Pay, also known as Earned Wage Access (EWA), enables employees to withdraw a portion of their earned wages before payday. It provides a debt-free solution for unexpected expenses, helping employees avoid high-cost alternatives such as payday loans or overdrafts. This is not a loan, credit, or advance—employees are simply accessing money they have already earned.

Once activated in the HR Duo platform, employees can request funds with just a few taps, and the money will arrive in their bank account within seconds. When payday arrives, any accessed funds are automatically deducted from their net salary, with no interest charged.

Why Does On-Demand Pay Matter?

On-Demand Pay is already offered by 15% of UK employers, and companies that implement it gain a competitive edge in recruitment, retention, and employee satisfaction. Here’s how: 

1. Attract & Retain Top Talent

• Employees value financial flexibility. Offering On-Demand Pay makes your business more attractive to job seekers and helps retain your existing workforce.
• Studies show that financial stress is one of the biggest reasons employees leave their jobs. By providing access to earned wages, you help alleviate financial stress and improve job satisfaction.

2. Boost Productivity & Fill Shifts Faster

• Employees are more likely to take on additional shifts if they know they can access their earnings immediately.
• This results in higher shift fulfilment rates, reducing reliance on costly agency workers or last-minute overtime pay.

3. Support Employee Financial Wellbeing

• Unexpected expenses happen. Home bills, car repairs, or even just making ends meet between paydays can put employees under financial strain.
• On-Demand Pay allows employees to manage their finances proactively, reducing the likelihood of turning to high-interest loans or credit cards.

4. No Cost or Financial Risk to Employers

• HR Duo’s On-Demand Pay feature is fully automated and seamlessly integrated into payroll processing.
• There is no impact on your company’s cash flow, as the payroll process remains unchanged—employees simply receive part of their earnings earlier.

How Does On-Demand Pay Work?

HR Duo makes it incredibly simple for businesses to offer On-Demand Pay. Here’s how it works in practice:

1. Hours worked are automatically recorded in HR Duo’s time-tracking system.
2. Through the HR Duo platform, employees can see how much they have earned and request an instant withdrawal.
3. The requested funds are transferred to the employee’s bank account almost instantly.
4. On payday, the withdrawn amounts are automatically deducted from the employee’s net salary.

What On-Demand Pay is NOT

It’s important to clarify that On-Demand Pay is not a loan or credit line. Employees are simply accessing wages they have already earned. There are no interest fees, no repayments and no debt risk.

HR Duo ensures compliance, transparency, and responsible usage, giving both employers and employees peace of mind.

Future-Proof Your Payroll with HR Duo

Flexible pay is no longer a luxury—it’s an expectation. Businesses that fail to adapt may struggle to attract and retain top talent. By implementing On-Demand Pay, your company can offer a valuable financial wellness benefit that strengthens your employer brand, boosts retention, and keeps your workforce motivated.