Keeper
Keeper is a Brooklyn-based Earned Wage Access platform that lets hourly and shift-based employees access already-earned wages instantly via a mobile app. The service is free for employers and monetizes small per-transaction fees, with primary focus on healthcare and home health.
- Company typePrivate
- Founded2019
- HeadquartersBrooklyn, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Keeper does
Keeper (legal entity: Paid Keeper, Inc.) is a U.S.-based Earned Wage Access (EWA) platform founded in 2019 and headquartered in Brooklyn, New York. The platform enables employees of hourly and shift-based employers to access wages they have already earned before the scheduled payday, calculating available balances in real time by integrating with employer payroll and time & attendance systems. Funds are disbursed instantly via debit card, bank transfer, or gift card through a consumer-facing mobile app available on iOS and Android (rated 4.8/5 with over 1,000 reviews). The company also offers a white-label version for payroll platforms and large employers, plus the KOFE financial wellness module (webinars, podcasts, calculators, and 1:1 counseling).
Keeper's go-to-market combines direct enterprise field sales targeting healthcare and hourly-intensive employers, channel partnerships with major payroll and HRIS providers (ADP, Paychex, Paycor, UKG, Workday, among others), and self-serve mobile app adoption by individual employees. Its primary vertical is healthcare and home health — a focus informed by the founder's ownership of the largest home care agency in New York — with secondary expansion into retail/grocery, hospitality/foodservice, logistics/delivery, and facilities/maintenance.
The business model is free for employers (no setup, monthly, or implementation fees) with revenue generated primarily from small employee transaction fees of $0–$4.99 per instant transfer, free gift-card payout options, and partner revenue-share arrangements. Implementation is typically completed in under two weeks through plug-and-play integrations with 15+ payroll platforms and multiple time & attendance systems, and the platform holds SOC 2 Type II and PCI DSS compliance certifications.
Keeper firmographics
Firmographics- Name
- Keeper
- Legal name
- Paid Keeper, Inc.
- Website
- https://keeperewa.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Keeper is a Brooklyn-based Earned Wage Access platform that lets hourly and shift-based employees access already-earned wages instantly via a mobile app. The service is free for employers and monetizes small per-transaction fees, with primary focus on healthcare and home health.
- Ownership category
- akta.pro rank
Keeper industry classification
Industry- Product category
- Earned Wage Access
- NAICS
- Payroll Services (541214), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Instant Payouts & Earned Wage Access (EWA) (FSAMAKAM)
- akta.pro secondary industries
- Embedded Payroll, Earned Wage Access & Benefits Finance (FSAGALAI), Pay Card Programs & Earned Wage Access (EWA) Administration (BPACAIAK)
Keywords
Where Keeper is headquartered
LocationHeadquarters
- HQ city
- Brooklyn
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Keeper business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D
Revenue model
- Employee Transaction Fees: Employees pay a small fee for instant transfers when accessing their earned wages early. Free payout options (gift cards) are also available at no cost. This is the primary revenue stream since the service is free for employers.
- Partner Revenue Share: Keeper offers revenue share opportunities for platform partners who integrate or white-label the EWA solution
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Free for employers - instant transfer for employees (small fee) |
| Freemium | Pay-as-you-go | Gift card payout option - free |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels5 records
Keeper product offering
Product offeringCore offering
Keeper is an Earned Wage Access (EWA) platform that integrates with employer payroll and time & attendance systems to calculate employees' already-earned wages in real time and disburse funds instantly via debit card, bank transfer, or gift card. The service is free for employers, with employees paying small per-transaction fees for instant transfers, and is delivered through iOS/Android mobile apps plus a white-label option for partners.
Product overview
Keeper offers an Earned Wage Access (EWA) platform designed primarily for hourly and shift-based workforces in healthcare, retail, hospitality, and logistics industries. The core offering is the Keeper EWA Platform, which enables employees to access their already-earned wages before payday at no cost to employers. The platform includes a mobile app for employees (iOS/Android) that connects to integrated payroll and time & attendance systems to calculate real-time available earnings and facilitate instant payouts via debit card, bank transfer, or gift cards. Keeper also offers a white-label version for employers who want to embed the benefit under their own brand, and KOFE financial wellness tools for financial education and coaching. The platform is SOC 2 and PCI compliant, integrates with major payroll providers (ADP, Paychex, UKG, Workday, etc.) and time & attendance systems, and can be implemented in under two weeks.
Differentiator
Problem solved
Functional benefit
Products and services
- Keeper EWA Platform Keeper's core Earned Wage Access platform enables employees to access their already-earned wages on demand before payday. It integrates with payroll and time & attendance systems, calculates available earnings in real time, and facilitates instant disbursements via debit card, bank transfer, or gift card. It is sold to employers and is free to them.
- Keeper Mobile App Mobile application available on iOS and Android that allows employees to check their available balance, receive notifications when funds are ready, and cash out earnings instantly via debit card, bank transfer, or gift card. Rated 4.8/5 with over 1,000 reviews.
- White-Label Keeper A customizable, white-labeled version of the Keeper platform that partners and large employers can integrate into their existing platform or use as a standalone app with their own branding, enabling them to offer EWA under their own brand.
- KOFE (Knowledge of Financial Education) Financial wellness tools including webinars, podcasts, calculators, and 1:1 financial coaching delivered by certified credit and housing counselors, offered as part of the Keeper platform.
Quantifiable outcome
- 25%+ reduction in turnover
- +3 more outcomes
Companies that use Keeper
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles3 records
Keeper technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
Feature5 records
Keeper partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core.
- ADPcoreMajor payroll provider partnership enabling Keeper integration with ADP's payroll platform. Employers using ADP can implement Keeper EWA with existing integration, reducing setup time to under 2 weeks.
- PaychexcorePayroll integration partnership with Paychex enabling seamless EWA implementation for Paychex employer customers.
- PaycorcoreHCM platform integration partnership with Paycor for payroll and time integration.
- UKGcoreHR and workforce management integration partnership with UKG (Ultimate Kronos Group) for payroll and timekeeping integration.
- WorkdaycoreEnterprise HR and finance integration partnership with Workday for payroll and time data.
- EmpeoncorePayroll integration with Empeon platform enabling EWA for healthcare and other industries.
- ViventiumcorePayroll software integration with Viventium for healthcare-focused EWA solutions.
- HHA ExchangecoreTime & attendance integration partnership with HHA Exchange specifically serving home health agencies.
- AlayacarecoreHome health technology integration partnership with Alayacare for time tracking and EWA connectivity.
- VisitingAidcoreHome care software integration partnership with VisitingAid for time & attendance connectivity.
- SBVcoreTime & attendance integration partnership with SBV for healthcare workforce management.
Scale indicators8 records
Recent moves1 record
Expansion highlights5 records
Keeper competitors and assessment
Company assessmentDirect peers
- DailyPay: DailyPay is a leading Earned Wage Access platform that partners with employers and payroll providers to give employees access to earned wages before payday. It is the most direct competitor to Keeper in the same product category, serving similar hourly workforces with a similar enterprise sales motion.
- Earnin: Earnin is a consumer-facing Earned Wage Access app that lets users access wages already earned before payday, primarily via tips-based model. It is a direct competitor to Keeper in the EWA category, with overlapping target end-users (hourly workers) but a more consumer-led acquisition motion.
- Payactiv: Payactiv is an Earned Wage Access and holistic financial wellness platform sold primarily through employer and channel partnerships. It competes directly with Keeper by offering earned wage access alongside additional payroll-adjacent financial tools to hourly workforces.
- Even: Even is an Earned Wage Access platform focused on hourly workers, integrating with employers and payroll systems to provide on-demand pay and budgeting tools. It is a direct competitor to Keeper in the same EWA category with overlapping functionality and target customers.
- ZayZoon: ZayZoon is an EWA provider focused on small and mid-sized employers, particularly in healthcare and staffing, that pays employees before payday in exchange for a small fee. It directly competes with Keeper in similar verticals (especially healthcare) with a comparable pay-per-transaction model.
- Branch: Branch is a workforce payments platform offering earned wage access, paycards, and cash tips management to hourly and gig workers, with enterprise employer integrations. It overlaps with Keeper on EWA functionality and target segments while extending into adjacent payments products.
Regional players
- Wagestream: Wagestream is an Earned Wage Access and financial wellbeing platform founded in the UK, partnering with employers to let employees stream accrued pay. It is comparable to Keeper in product and model but operates primarily in the UK and Europe rather than the US market.
Emerging players
- Current: Current is a consumer fintech offering early payday, debit, and banking features aimed at hourly and gig workers. It overlaps with Keeper's EWA functionality as part of a broader financial account proposition, rather than as a dedicated employer-paid workforce benefit.
Broad incumbents
- ADP Workforce Now (Earned Pay / DailyPay integration): ADP is the largest US payroll and HCM provider and a major distribution channel for EWA, including its DailyPay partnership. It is comparable to Keeper as both an indirect partner and a potential broad incumbent competitor if it expands native EWA functionality.
- Paycor: Paycor is an HCM platform for SMB and mid-market employers offering payroll, HR, and workforce management. It is comparable to Keeper as a listed integration partner and as a broad incumbent that could bundle its own EWA offering in the future.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Keeper social profiles
Digital presenceKeeper compliance and trust
Trust signalCompliance2 records
Keeper financial estimates
Financial estimateRevenue estimate
Valuation estimate
Keeper leadership team
Management profileNumber of profiles
Profiles2 records
Keeper funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Keeper M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Keeper
What does Keeper do?
Keeper is an Earned Wage Access (EWA) platform that integrates with employer payroll and time & attendance systems to calculate employees' already-earned wages in real time and disburse funds instantly via debit card, bank transfer, or gift card. The service is free for employers, with employees paying small per-transaction fees for instant transfers, and is delivered through iOS/Android mobile apps plus a white-label option for partners.
Is Keeper a public or private company?
Keeper is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Keeper founded?
Keeper was founded in 2019. It employs 11 to 50 people.
Where is Keeper based?
Keeper is headquartered in Brooklyn, United States, in the North America region.
How does Keeper make money?
Two revenue lines are on record. Employee Transaction Fees are the primary driver. The others are partner Revenue Share.
Who are Keeper's main competitors?
Direct peers on record are DailyPay, Earnin, Payactiv, Even, ZayZoon and Branch. Wagestream is listed as a regional player. Current is listed as an emerging player. Broad incumbents are ADP Workforce Now (Earned Pay / DailyPay integration) and Paycor.
Does Keeper have an API?
No public API is recorded for Keeper.
What industry is Keeper in?
Keeper's product category is Earned Wage Access. Its primary akta.pro industry code is FSAMAKAM, Instant Payouts & Earned Wage Access (EWA), with a secondary code of FSAGALAI, Embedded Payroll, Earned Wage Access & Benefits Finance. Its NAICS code is 541214 and its SIC code is 6099.