Earned Wage Access (EWA)
Flexible on-demand pay to support your workforce
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.
A valuable financial wellness benefit that keeps your employees motivated
On-Demand Pay allows employees to access wages they’ve already earned, helping them manage cash flow, handle emergencies, and avoid high-cost credit options like payday loans. Businesses that offer this benefit report better staff retention, reduced absenteeism, and higher job satisfaction.
Employees can access earnings instantly
No interest or repayment obligations
Reduce financial stress and improve morale
Improve employee retention and recruitment efforts
Seamless integration with payroll
Simple, seamless, and built for modern workforce management
HR Duo makes it easy to introduce On-Demand Pay without disrupting your existing payroll processes. Employees can access their earnings in just a few taps, and the system automatically tracks and deducts withdrawals from their net salary on payday. No loans, no credit checks, and no added complexity—just a simple way to support your team’s financial stability.
Enable access in just a few clicks within HR Duo
Staff can withdraw a percentage of their wages
Employees receive their wages in seconds
The feature is accessible from mobile or desktop
Amounts are seamlessly deducted from payslips
Support employees' financial wellbeing
The business benefits of On-Demand Pay
Reduce Absenteeism
Employees with financial security are less likely to miss shifts or call in sick.
Increase Productivity
Financially stable employees are more engaged and focused on their work.
Employer of Choice
Join the growing number of businesses offering flexible pay to attract top talent.
Zero Cost & Admin Hassle
Fully automated with no impact on your company's cash flow or payroll workload.
Fill Shifts Faster
Employees are more likely to take on extra shifts when they know they can access their earnings immediately.
Reduce Turnover
Offering financial flexibility can improve retention, reducing hiring and training costs.
Why Does On-Demand Pay Matter?
The financial landscape is shifting, and employee expectations are evolving. 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.
62%
fewer unfilled shifts in companies with on-demand pay
13%
lower employee absence rates in staff with access to EWA
4mil
employees in the UK currently have access to on-demand pay
Everything you need to manage your workforce
We offer game-changing plans tailored to your specific requirements.
Workforce Management
A core solution to manage your frontline teams, enhance operations, and reduce labour costs.
What's included:
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Time-Tracking
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Digital Rotas
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Shift Scheduling
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Absence Management
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Leave and Holiday
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Payroll Reporting
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Employee Profiles
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Analytics and Reports
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Project Tracking
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Mobile App
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Employee Self-Service
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Geofence Clock-In
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Subcontractor Management
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Skills Matrix
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Task Manager
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Document Storage
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Equipment Tracking
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Permission Groups
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Benefit Recording
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Instant Messaging
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Organisation Charts
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Knowledge Centre
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Platform Support
MoreLess
HR Assist
A one-of-a-kind offering that simplifies your people processes and automates up to 80% of your HR tasks.
What's included:
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Connected Forms
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Model HR Letters
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HR Policy Templates
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Integrated Emails
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Digital Contracts
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Secure E-Signature
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Employee Relations Assistance
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Employee Assistance Programme
EmployPath
Manage your entire employment lifecycle with the tools to help you recruit, engage, and nurture your people.
What's included:
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Applicant Tracking System
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Enhanced Onboarding
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Performance Management
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360 Reviews
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One-to-ones
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Improvement Plans
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Goal & Objective Tracking
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Analytics and Reports
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Frequently Asked Questions
Here's a round-up of some of the questions we've been asked by business owners, operations managers and HR professionals looking to make the move to a unified Workforce Management platform like HR Duo.
What is On-Demand Pay?
On-Demand Pay, also known as Earned Wage Access (EWA), allows employees to access a portion of their earned wages before payday. Instead of waiting for the traditional pay cycle, employees can withdraw a percentage of their accrued but unpaid salary at any time.
How does On-Demand Pay work?
HR Duo automatically tracks hours worked and calculates the available earned income. Employees can request an advance on their accrued wages through the platform, and the funds are deposited into their bank account in seconds. The amount withdrawn is automatically deducted from their next payroll without requiring repayments.
Is On-Demand Pay a loan?
No, On-Demand Pay is not a loan. There are no interest rates, no credit checks, and no repayments. Employees are simply accessing their already-earned income before payday.
How does On-Demand Pay impact payroll?
On-Demand Pay integrates seamlessly with HR Duo’s payroll reporting. The feature is fully automated, meaning deductions are applied at the end of the pay cycle with no extra admin effort or impact on company cash flow.
Does On-Demand Pay cost anything for employees?
Yes, each transaction has a small transaction fee per withdrawal. This has been set at £1.95 per transaction. The fee is always transparent and disclosed before completing a withdrawal.