FlexWage Solutions
FlexWage Solutions is a US-based fintech that provides employer-funded Earned Wage Access (OnDemand Pay) and adjacent financial-wellness products, integrating with payroll and time-and-attendance systems to give hourly employees access to already-earned wages and financial coaching.
- Company typePrivate
- Founded2009
- HeadquartersMountainside, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What FlexWage Solutions does
FlexWage Solutions LLC is a privately held US fintech founded in 2009 by Frank Dombroski and headquartered in Scottsdale, Arizona, with a team of 11-50 employees. The company develops and licenses employer-funded Earned Wage Access (EWA) and adjacent financial-wellness software, anchored by its patented OnDemand Pay platform (US Patent US8751338B2, issued 2014) that integrates with employer payroll, HRMS, and time-and-attendance systems to calculate and disburse already-earned wages to employees between pay cycles.
The product suite consists of four integrated modules: OnDemand Pay (core patented EWA), Flex Pay (instant deposit of tips, bonuses, commissions, and 1099 payments to debit cards or bank accounts), the Pay Card (reloadable Visa debit card issued by Pathward, N.A.), and Sum180 (a mobile financial wellness application acquired in April 2019 that provides budgeting, personalized next-step guidance, and access to financial coaches). The platform operates on a non-loan, employer-funded model that has received favorable legal opinions from California DFPI, Connecticut Department of Banking, and Maine Bureau of Consumer Credit Protection confirming that neither FlexWage nor its employer partners require lending or money transmission licenses. FlexWage also relies on a CFPB Advisory Opinion and Visa Direct for real-time push-payment rails.
FlexWage generates revenue from per-transaction fees on EWA wage advances, transactional and inactivity fees on its Visa payroll debit cards, annual subscription fees for Sum180, and royalties from long-term technology and patent licensing agreements (notably with Green Dot's rapid! channel). Go-to-market combines direct enterprise field sales targeting HR and C-suite buyers with a channel-partner model through payroll/HCM platforms (Savant, K-Pay/Creative Planning, Ceridian/Mercer, Fiserv) and embedded OEM distribution via Green Dot/rapid!, Wyzia/Zelle, and Visa Direct. Customer logos span quick-service restaurants (McDonald's, Wendy's, Zaxby's, Burger King, Denny's, Applebee's, Panda Express), healthcare (RWJBarnabas Health, FutureCare), gaming/hospitality (Peppermill Casinos), and financial services (Bread Financial).
FlexWage Solutions firmographics
Firmographics- Name
- FlexWage Solutions
- Legal name
- FlexWage Solutions LLC
- Website
- https://flexwage.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- FlexWage Solutions is a US-based fintech that provides employer-funded Earned Wage Access (OnDemand Pay) and adjacent financial-wellness products, integrating with payroll and time-and-attendance systems to give hourly employees access to already-earned wages and financial coaching.
- Ownership category
- akta.pro rank
FlexWage Solutions industry classification
Industry- Product category
- Earned Wage Access (EWA) / Employee Financial Wellness
- NAICS
- Payroll Services (541214), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121)
- SIC
- Services-Prepackaged Software (7372)
- 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), Payroll Cards & Salary Prepaid (FSAMANAE), Worksite Financial Wellness & Employee Assistance Programs (EAP) (FSAIAMAN)
Keywords
Where FlexWage Solutions is headquartered
LocationHeadquarters
- HQ city
- Mountainside
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
FlexWage Solutions business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- OnDemand Pay Transaction Fees: Employees pay per-transaction fees for accessing earned wages before payday. Fees are significantly less than cost of short-term borrowing and overdraft fees. Fees are deducted from paycheck along with transaction amount.
- Payroll Card Fees: Revenue from reloadable Visa payroll debit cards issued through Pathward (formerly Meta Bank). Cards generate fees for ATM usage, inactivity after 180 days ($4.95), and other card services.
- Sum180 Subscription: Sum180 is provided by sponsors to sponsored members in one-year periods. Subscription-based mobile financial wellness service with coaching access.
- Patent Licensing: Long-term licensing agreements with partners like Green Dot/rapid! for access to OnDemand Pay technology, intellectual property, and patent licensing of product suite.
- Flex Pay Transactions: Processing fees for ad-hoc payments to employees and contractors including tips, 1099 wages, commissions, bonuses, and termination payouts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | OnDemand Pay - Transaction-based pricing |
| Subscription | Annual | Sum180 - Annual Subscription |
| Transaction based/ take rate | Pay-as-you-go | Payroll Card - Fee-based |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
FlexWage Solutions product offering
Product offeringCore offering
FlexWage Solutions provides employer-funded Earned Wage Access (OnDemand Pay) and related financial wellness products that allow employees to access wages they have already earned before payday. The platform integrates directly with employer payroll, HRMS, and time-and-attendance systems to calculate accrued wages, and is sold to employers (HR/payroll) as an employee financial wellness benefit. Complementary products include Flex Pay for instant tip/bonus payouts, Pay Card (reloadable Visa debit card) for payroll delivery, and Sum180 mobile financial wellness app with coaching.
Product overview
FlexWage Solutions offers a unified financial wellness platform consisting of several integrated products: OnDemand Pay (the patented core EWA product for early wage access), Flex Pay (for instant tip and bonus payouts), Pay Cards (reloadable Visa debit cards for payroll delivery), and Sum180 (acquired mobile financial wellness app providing budgeting guidance and coaching). The platform is employer-funded and integrates with existing payroll and HRMS systems to provide employees with on-demand access to earned wages while supporting long-term financial wellness through educational tools and personalized financial coaching.
Differentiator
Problem solved
Functional benefit
Brands
- OnDemand Pay: Employer-funded earned wage access solution allowing employees to access already earned wages before payday to avoid expensive borrowing and overdraft fees.
- Flex Pay
- Pay Card
- Sum180
Products and services
- OnDemand Pay Patented employer-funded Earned Wage Access (EWA) solution that allows employees to access a portion of their already earned wages before payday. Integrates with employer payroll and time-and-attendance systems to calculate accrued wages accurately, with no loans or debt to employees. Sold to employers as an employee financial wellness benefit; employees pay per-transaction fees deducted from paychecks.
- Flex Pay Solution that deposits tips, bonuses, commissions, and one-time payments instantly to employee pay cards or bank accounts in real-time at closeout. Supports 1099 payments, per diems, commissions, bonuses, and termination payouts for hourly and tipped employees.
- Pay Card (Payroll Card) Reloadable Visa debit card issued by Pathward, N.A. (Member FDIC) that provides immediate access to pay on payday, eliminating need for paper checks and check-cashing fees. Includes free ATM access at 55,000+ Allpoint locations, Visa Zero Liability Protection, and Visa ReadyLink network for loading additional funds.
- Sum180 Mobile financial wellness application providing step-by-step personalized guidance, budget tracking, account linking, and access to financial wellness coaches. Based on principles of fee-only financial advisors and provided to sponsored members in one-year subscription periods.
Quantifiable outcome
- Employees who used FlexWage OnDemand Pay stayed 146% longer on average than those who didn't
- +2 more outcomes
Companies that use FlexWage Solutions
Customer profileNamed customers12 records
Segments3 records
Ideal customer profiles2 records
FlexWage Solutions technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature4 records
FlexWage Solutions partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- WyziacoreWyzia FastPay, powered by FlexWage OnDemand Pay, enables instant wage access direct to employees' bank accounts via Zelle. No separate wallets or rerouting of direct deposit required.
- Creative Planning Business ServicescoreIntegration with Creative Planning Business Services' K-Pay HCM and payroll solutions to offer EWA financial wellness benefits. K-Pay supports UKG Ready integration.
- Green Dot / rapid!coreLong-term licensing agreement enabling rapid!, Green Dot's payment disbursement business for employers, to accelerate growth of its rapid! OnDemand EWA solution. FlexWage provides patent licensing, technology access, and intellectual property.
- Savant Payroll SolutionscorePartnership to deliver OnDemand Pay to thousands of small and medium-sized businesses and franchises. Savant integrates FlexWage EWA with their payroll management services.
- VisacoreVisa partnership to expand EWA market through Visa Direct real-time push payments platform, enabling workers to access earned wages between pay cycles.
- rapid! PayCardcorePartnership logo displayed on FlexWage partners page for rapid! PayCard payroll solutions.
- PathwardcorePathward (formerly Meta Bank) is the issuing bank for FlexWage Visa Pay Card. Member FDIC pursuant to license from Visa U.S.A Inc.
- MercerminorPartnership through Ceridian integration displayed on FlexWage partners page for Mercer HR services.
Scale indicators7 records
Recent moves7 records
Expansion highlights6 records
FlexWage Solutions competitors and assessment
Company assessmentEmerging players
- MoneyLion: MoneyLion provides earned-wage-style advances, prepaid accounts, and financial wellness tools aimed at underbanked consumers, partially overlapping with FlexWage's Pay Card and Sum180 offerings. Comparable end-user segment though different primary distribution.
- Earnin: Earnin offers consumer-direct earned wage access without mandatory employer integration, targeting the same paycheck-to-population that FlexWage serves but via a different distribution model (tip-based, app-direct). Comparable end-user value proposition.
Broad incumbents
- Paychex: Paychex is a major payroll and HR services incumbent serving SMB and mid-market employers — many of the same employer buyers FlexWage targets with its EWA and financial wellness suite. Competes more broadly as an embedded benefit via partnership or direct offering.
- Ceridian / Dayforce: Ceridian Dayforce is a global HCM and payroll platform that has integrated EWA-style offerings and competes for employer wallet share alongside FlexWage's solutions via Mercer and direct channels. Relevant as a channel partner and competitor.
- Wisely by ADP: ADP's Wisely prepaid debit and pay-card platform is bundled into ADP's payroll and HCM offerings and competes with FlexWage's Pay Card product and broader financial wellness positioning. Larger incumbent leveraging ADP's employer install base.
Direct peers
- ZayZoon: ZayZoon offers employer-paid EWA to small and mid-sized businesses, particularly franchise and SMB employers — a segment FlexWage also targets via Savant Payroll and Creative Planning partners. Comparable product, customer base, and pricing model.
- Payactiv: Payactiv provides employer-sponsored earned wage access and financial wellness tools to hourly workers, with similar payroll-integrated delivery and a comparable focus on unbanked and underbanked employees. Closely overlaps FlexWage's OnDemand Pay value proposition.
- DailyPay: DailyPay is a leading direct competitor in employer-sponsored Earned Wage Access, offering on-demand pay integrated with employer payroll systems and serving many of the same QSR, healthcare and enterprise customers as FlexWage. Most directly comparable on product, target employer buyer, and integration approach.
- Even: Even is an EWA and financial wellness app partnering with employers to give hourly employees early access to earned wages, with budgeting tools analogous to FlexWage's Sum180. Directly comparable in target customer, employer go-to-market, and product bundle.
- Branch (Branch Messenger): Branch provides instant pay, scheduling, and financial wellness tools to hourly and frontline workers via an employer-integrated platform. Overlaps FlexWage on employer-sponsored EWA, financial wellness, and shift-based worker use cases.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
FlexWage Solutions social profiles
Digital presenceFlexWage Solutions compliance and trust
Trust signalCompliance2 records
FlexWage Solutions financial estimates
Financial estimateRevenue estimate
Valuation estimate
FlexWage Solutions leadership team
Management profileNumber of profiles
Profiles5 records
FlexWage Solutions subsidiaries and ownership
Company hierarchySubsidiaries1 record
FlexWage Solutions funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FlexWage Solutions M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FlexWage Solutions
What does FlexWage Solutions do?
FlexWage Solutions provides employer-funded Earned Wage Access (OnDemand Pay) and related financial wellness products that allow employees to access wages they have already earned before payday. The platform integrates directly with employer payroll, HRMS, and time-and-attendance systems to calculate accrued wages, and is sold to employers (HR/payroll) as an employee financial wellness benefit. Complementary products include Flex Pay for instant tip/bonus payouts, Pay Card (reloadable Visa debit card) for payroll delivery, and Sum180 mobile financial wellness app with coaching.
Is FlexWage Solutions a public or private company?
FlexWage Solutions is a private company. It is classified as venture growth investor backed and is currently operating.
When was FlexWage Solutions founded?
FlexWage Solutions was founded in 2009. It employs 11 to 50 people.
Where is FlexWage Solutions based?
FlexWage Solutions is headquartered in Mountainside, United States, in the North America region.
How does FlexWage Solutions make money?
Five revenue lines are on record. OnDemand Pay Transaction Fees are the primary driver. The others are payroll Card Fees, sum180 Subscription, patent Licensing and flex Pay Transactions.
Who are FlexWage Solutions's main competitors?
Emerging players on record are MoneyLion and Earnin. Broad incumbents are Paychex, Ceridian / Dayforce and Wisely by ADP. Direct peers are ZayZoon, Payactiv, DailyPay, Even and Branch (Branch Messenger).
Does FlexWage Solutions have an API?
No public API is recorded for FlexWage Solutions.
What industry is FlexWage Solutions in?
FlexWage Solutions's product category is Earned Wage Access (EWA) / Employee Financial Wellness. Its primary akta.pro industry code is FSAGALAI, Embedded Payroll, Earned Wage Access & Benefits Finance, with a secondary code of FSAMAKAM, Instant Payouts & Earned Wage Access (EWA). Its NAICS code is 541214 and its SIC code is 7372.