Earned wage access
Use insights into income to allow your customers access to their wages at any time.
3X industry average coverage
99.9% uptime
First CRA in the industry
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Sourced from payroll and time-and-attendance systems, you can use leverage these insights to reduce risk, boost engagement, power new financial products, and lower acquisition costs.
Reduce risk of enabling earned wage access, cash-flow underwriting and more with daily, automated updates to payroll and time & attendance data.
Get in-market faster with a packaged earnings stream endpoint built by a team of industry experts.
Enable financial freedom by acting as a financial bridge for those lacking access to credit.
Customer has worked at Magna Hotel Group for 6 months and worked at Ocean Home Realty the 6 months prior.
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Wages the customer has earned so far in the current pay period. Pinwheel calculates accrued earnings by using real-time shifts and paystubs data provided by our market-leading connectivity to 1600+ payroll platforms and 40+ time & attendance platforms.
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Based on scheduled future shifts and current unpaid shifts we can project future earnings (gross pay minus taxes and contributions) for the current pay cycle.
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We can project upcoming earnings based on comprehensive paystub data and historical pay.
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With an unparalleled overview of income data, Earnings Stream allows you to offer products that are tailor-made for your customers.
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The first step to becoming your customer’s primary financial provider is capturing the direct deposit.
77%
of customers said that they would use an earned wage access service if offered by their bank.
Earned Wage Access can be used as a powerful incentive for consumers to switch their direct deposits.
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Earned wage access (EWA) has helped consumer finance companies to become the primary financial account by leveraging a powerful incentive. Download this guide to learn the basics of EWA, along with best practices for implementation, risk reduction, and data accuracy.
Pinwheel is the first payroll data connectivity API provider that is also a CRA. Our CRA status allows financial service providers to use our data for credit decisioning while protecting them from FCRA violations.
Pinwheel is the only provider that connects to both 1600 payroll platforms & the top 40+ T&A systems covering 80% of US workers.
Pinwheel doesn’t just provide a snapshot but ongoing insights. With the help of recurring access, you can stay up to date with your customer’s income and employment and get notified of any changes.
Stay up to date with your customers’ Earnings Stream and gain ongoing visibility into any changes with the help of our monitoring products.
