What Advanto does

Advanto Group s.r.o. is a Czech-headquartered fintech founded in 2019 that operates an earned wage access (EWA) platform branded "Výplata kdykoliv," enabling employees of client companies to withdraw a portion of their already-earned wages at any point during the pay cycle via a mobile or web application. The platform integrates with dominant regional payroll and time-tracking systems — including Helios/Asseco (covering approximately 30% of the Czech payroll market through the AVA space marketplace), SAP, OKbase, RSM's Nugget SW, GIRITON, and Aktion — to automatically calculate withdrawable amounts based on worked hours and reconcile transactions via a monthly CSV import back into the employer's payroll. Advanto funds employee withdrawals upfront and is reimbursed by the employer at the standard payroll settlement, meaning the benefit has no cash flow impact on the client company.

The company operates a B2B2E distribution model with two revenue streams: a recurring employer subscription/platform fee and usage-based per-transaction fees of 0-69 CZK per withdrawal. It serves 70,000+ employees across 70+ enterprise clients in manufacturing, retail, pharmacy, petroleum, fast food, and security services — including named customers Notino, Dr. Max, ORLEN Unipetrol, Adler Pelzer Group, Lagardère Travel Retail, Five Guys, M2C, LINET, and Vitesco Technologies. Documented client outcomes include a 28% reduction in employee turnover, 52% faster hiring, and 87% one-year retention among Advanto users.

Geographic footprint is anchored in the Czech Republic and Slovakia, with Poland added in late 2023 through the acquisition of Symmetrical's clients and stated expansion plans for Germany and Romania. Beyond its core EWA product, Advanto has launched a secondary HR platform ("Advanto People") including an AI-powered blue-collar recruitment module (Erika), and has produced multi-language content marketing assets (e-books, podcast, blog) to support cross-border brand presence. The company is privately held, backed by investors including Nation 1, V-Sharp Ventures, Raiffeisen Bank Czech Republic, Jean-Pascal Duvieusart, and Ladislav Bartoníček, with co-founders Martin Fortelný (CEO) and Jan Kölbl (CTO) leading a team of 11-50.

Name

Advanto

Legal name

Advanto Group s.r.o.

Website

https://advanto.cz

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Advanto is a Czech fintech operating an earned wage access platform (Výplata kdykoliv) that lets employees of 70+ enterprise clients withdraw earned wages before payday via mobile app. It integrates with regional payroll systems (Helios, SAP, RSM, GIRITON) and operates in CZ, SK, and Poland.

Ownership category

akta.pro rank

Product category

Earned Wage Access

NAICS

Payroll Services (541214), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Embedded Payroll, Earned Wage Access & Benefits Finance (FSAGALAI)

akta.pro secondary industries

Instant Payouts & Earned Wage Access (EWA) (FSAMAKAM), Pay Card Programs & Earned Wage Access (EWA) Administration (BPACAIAK), Earned Wage Access (EWA) & Salary Advances (FSAKAMAE)

Keywords

• Earned wage access
• On-demand pay
• Payroll integration
• Employee financial wellness
• Salary advance platform

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Employer subscription / platform fee: Companies (employers) pay a recurring fee to provide the Výplata kdykoliv benefit to their employees. The employer bears the cost as an employee benefit. Advanto provides the funds for early withdrawals upfront and is reimbursed by the employer at the standard payroll settlement date.
2. Transaction / withdrawal fees: Per-transaction fees charged when employees withdraw earned wages early. Some employers subsidize or waive the first monthly withdrawal. Fees are typically 0–69 CZK per withdrawal. This is a usage-based revenue stream driven by employee adoption.

Pricing tiers

Go-to-market motion2 records

Distribution channels8 records

Marketing channels9 records

Core offering

Výplata kdykoliv (Earned Wage Access) is a B2B2E platform that enables employees to withdraw a portion of their already-earned wages before payday via a mobile or web application. The platform integrates with employer payroll and attendance systems (Helios, SAP, OKbase, Nugget SW, GIRITON, Aktion, Cominfo) to automatically calculate available wages from time and attendance data. Advanto funds withdrawals upfront and reconciles monthly with employer payroll without affecting company cash flow.

Product overview

Advanto operates as a two-product suite: the core earned wage access service Výplata kdykoliv (Payroll Anytime) integrated with major Czech/Slovak payroll and attendance systems, combined with the HR platform Advanto People featuring AI-powered recruitment capabilities via the Erika module. The company serves over 70,000 employees across 70+ companies primarily in Czech Republic and Slovakia, with recent expansion to Poland.

Differentiator

Problem solved

Functional benefit

Brands

• Erika: AI-powered recruitment platform for skilled blue-collar workers. Sourcing tool that reaches candidates on Facebook, Instagram and other platforms where workers spend time. Part of the Advanto ecosystem for HR solutions.

Products and services

• Výplata kdykoliv (Earned Wage Access) Mobile and web application that allows employees to access a portion of their already-earned wages before the regular payday. The platform integrates with employer payroll and attendance systems to automatically calculate available funds. Designed for enterprise employers and their employees across manufacturing, retail, logistics, healthcare, and industrial sectors.
• Advanto People HR technology platform module that extends Advanto's core offering with HR functionality, including an integrated AI-powered digital recruiter named Erika for candidate screening and interview automation. Targeted at enterprise HR teams seeking to automate hiring workflows alongside employee financial benefits.
• Erika (AI Recruitment Tool) AI-powered recruitment assistant that automates candidate screening and interview scheduling for HR teams and hiring managers. Offered as a standalone product with a freemium pricing model and separate Pro and Premium paid tiers, expanding Advanto beyond wage access into adjacent HR-tech capabilities.

Quantifiable outcome

• 28% reduction in employee turnover for employers using Výplata kdykoliv
• +10 more outcomes

Named customers12 records

Segments6 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature9 records

Partnerships

Five partnerships are on record, tiered core.

• Symmetrical (Poland)coreStrategic or Co-development Partner · 6 December 2023Advanto acquired the clients of Symmetrical, a Polish earned wage access provider, in late 2023, enabling Advanto's market entry into Poland. This acquisition made Advanto the largest earned wage access provider in Central Europe. The transaction transferred Symmetrical's customer base to Advanto's platform.
• GIRITONcoreTechnology or Integration · 18 September 2023Advanto partnered with GIRITON, a time-tracking and HR system trusted by nearly 1,000 employers, to enable automatic attendance-based earned wage calculations. GIRITON exports worked hours data to Advanto, which uses it to determine available withdrawal amounts. Integration is available at giriton.com/cs/integrace/advanto. The partnership was announced in September 2023 and the first client was Czech company Ollies.
• Asseco Solution (AVA space / Helios)coreTechnology or Integration · 10 May 2022Advanto completed integration with AVA space, the marketplace platform of Asseco Solution, enabling Helios payroll users (over 15,000 employers, ~30% of Czech payroll market) to activate Advanto with a single click. This follows a prior integration of Advanto with Helios payroll systems. The partnership was announced in May 2022 and positions Advanto as a one-click app in the AVA space ecosystem.
• RSM / Nugget SWcoreTechnology or IntegrationRSM's Nugget SW payroll and HR platform integrates with Advanto to provide clients with earned wage access. Nugget automatically generates employee data files that Advanto processes, and Advanto generates monthly reconciliation files for import back into Nugget. This partnership was active for over a year as of early 2025 and covers multiple joint clients including Adler Pelzer Group.
• OKbasecoreTechnology or IntegrationOKbase is a Czech payroll and HR system. Advanto has integrated with OKbase, enabling OKbase-using companies (including Dr. Max and Five Guys) to deploy Výplata kdykoliv with minimal friction. The integration is referenced as a key selling point in case studies.

Scale indicators9 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Wagestream: UK-based earned wage access provider operating on a B2B2E model integrated with employer payroll systems, very comparable to Advanto in distribution mechanics and target employer segments across Europe.
• DailyPay: Largest North American EWA provider, partnering with major employers and payroll platforms to deliver same-day pay access to hourly workers — directly comparable in product, employer-sale GTM, and per-transaction monetization.
• Payactiv: US-headquartered EWA and financial wellness platform distributed through employers and payroll/HRIS integrations, mirroring Advanto's combination of earned wage access and employer-paid benefit pricing.
• ZayZoon: Canadian EWA provider focused on SMB and mid-market employers, integrated with payroll providers — comparable in product, employer channel model, and use case around reducing payroll advance friction.
• Hastee: UK-based earned wage access and financial wellbeing platform sold via employers and payroll integrations, with similar positioning around combating payday lending and improving employee retention.
• Earnin: US consumer-facing earned wage access app that pioneered the tip-based model, addressing the same core problem of mid-paycycle liquidity for hourly workers as Advanto.
• Even: US EWA app distributed through employers that provides instant pay access plus budgeting tools, closely comparable to Advanto's combination of withdrawal access and employee financial wellbeing.
• Tapcheck: US EWA provider serving mid-market employers with payroll-integrated earned wage access, directly comparable in employer-channel GTM and per-transaction economics to Advanto.
• Salary Finance: UK-based employee financial wellbeing platform combining earned wage access, savings, and borrowing, sold through employers — comparable in product breadth and B2B distribution model.

Broad incumbents

• CloudPay: Global payroll provider with on-demand pay capabilities built into its platform, representing a larger incumbent that competes with Advanto at the enterprise level where payroll modernization overlaps with EWA.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/advanto-group
• Facebookfacebook.com/moje.advanto

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds6 records

Investors7 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Advanto