Financial Wellness Matters
Financial Wellness Matters
Financial Wellness Matters
Support Your Workforce's Financial Stability
Express Wages goes beyond earned wage access to address the real drivers of employee financial stress—helping employers improve retention, engagement, and productivity.
Why it matters
Why it matters
Why it matters
Why it matters
The Real Problem Behind Turnover
Financial stress doesn't just hurt employees—it directly impacts your workforce stability and operational performance. When workers are financially unstable, it shows up in attendance, engagement, and retention.
There's no room for the unexpected
There's no room for the unexpected
There's no room for the unexpected
Financial stress doesn't just hurt employees—it directly impacts your workforce stability and operational performance. When workers are financially unstable, it shows up in attendance, engagement, and retention. Without a buffer, one car repair or medical bill triggers the financial crisis that leads to turnover.
Financial stress doesn't just hurt employees—it directly impacts your workforce stability and operational performance. When workers are financially unstable, it shows up in attendance, engagement, and retention. Without a buffer, one car repair or medical bill triggers the financial crisis that leads to turnover.
Financial stress doesn't just hurt employees—it directly impacts your workforce stability and operational performance. When workers are financially unstable, it shows up in attendance, engagement, and retention. Without a buffer, one car repair or medical bill triggers the financial crisis that leads to turnover.
Pay timing doesn't match real-life bills
Pay timing doesn't match real-life bills
Pay timing doesn't match real-life bills
Rent, utilities, and essentials regularly hit before payday, creating ongoing cash-flow pressure even for fully employed workers.
Rent, utilities, and essentials regularly hit before payday, creating ongoing cash-flow pressure even for fully employed workers.
Rent, utilities, and essentials regularly hit before payday, creating ongoing cash-flow pressure even for fully employed workers.
Traditional wellness programs don't work
Traditional wellness programs don't work
Traditional wellness programs don't work
Time-constrained employees won't complete financial literacy modules or attend webinars. Education doesn't build buffers or improve cash flow management - automation does. Express Wages' wellness program takes a behavioral science approach that leads to actual financial action.
Time-constrained employees won't complete financial literacy modules or attend webinars. Education doesn't build buffers or improve cash flow management - automation does. Express Wages' wellness program takes a behavioral science approach that leads to actual financial action.
The Reality
The Reality
The Reality
The Reality
Why Earned Wage Access Alone Isn't Enough
Timing helps — stability requires more.
EWA Helps With Timing But Doesn't Address Stability
EWA Helps With Timing But Doesn't Address Stability
EWA Helps With Timing But Doesn't Address Stability
Earned wage access solves the pay-timing gap, helping employees avoid overdraft fees and high-cost payday loans. But without an emergency savings buffer and cash flow management, the same financial shocks keep happening— and the same patterns of stress, disengagement, and turnover persist.
That's the gap most EWA providers ignore. Access to earned wages stabilizes today. Building a buffer prevents tomorrow's crisis. Express Wages is the only platform that does both.
Earned wage access solves the pay-timing gap, helping employees avoid overdraft fees and high-cost payday loans. But without an emergency savings buffer and cash flow management, the same financial shocks keep happening— and the same patterns of stress, disengagement, and turnover persist.
That's the gap most EWA providers ignore. Access to earned wages stabilizes today. Building a buffer prevents tomorrow's crisis. Express Wages is the only platform that does both.
Earned wage access solves the pay-timing gap, helping employees avoid overdraft fees and high-cost payday loans. But without an emergency savings buffer and cash flow management, the same financial shocks keep happening— and the same patterns of stress, disengagement, and turnover persist.
That's the gap most EWA providers ignore. Access to earned wages stabilizes today. Building a buffer prevents tomorrow's crisis. Express Wages is the only platform that does both.
Our Approach to Financial Wellness
A progressive, trust-first model built around how employees actually live and work—not how we wish they would.
Starts With Stability, Not Education
We begin with reliable earned wage access—because timing gaps are the most immediate source of financial stress.
Starts With Stability, Not Education
We begin with reliable earned wage access—because timing gaps are the most immediate source of financial stress.
Starts With Stability, Not Education
We begin with reliable earned wage access—because timing gaps are the most immediate source of financial stress.
Starts With Stability, Not Education
We begin with reliable earned wage access—because timing gaps are the most immediate source of financial stress.
Earn Trust Before Offering Guidance
Fewer no-shows and last-minute absences when workers can cover life’s unexpected costs.
Earn Trust Before Offering Guidance
Fewer no-shows and last-minute absences when workers can cover life’s unexpected costs.
Earn Trust Before Offering Guidance
Fewer no-shows and last-minute absences when workers can cover life’s unexpected costs.
Earn Trust Before Offering Guidance
Fewer no-shows and last-minute absences when workers can cover life’s unexpected costs.
Use Automation Where It Works Better Than Willpower
Our research shows defaults and prompts outperform education for time-constrained workers.
Use Automation Where It Works Better Than Willpower
Our research shows defaults and prompts outperform education for time-constrained workers.
Use Automation Where It Works Better Than Willpower
Our research shows defaults and prompts outperform education for time-constrained workers.
Use Automation Where It Works Better Than Willpower
Our research shows defaults and prompts outperform education for time-constrained workers.
Expand Support Without Adding Complexity
We connect employees to trusted partners when appropriate—without adding vendors or complexity for employers.
Expand Support Without Adding Complexity
We connect employees to trusted partners when appropriate—without adding vendors or complexity for employers.
Expand Support Without Adding Complexity
We connect employees to trusted partners when appropriate—without adding vendors or complexity for employers.
Expand Support Without Adding Complexity
We connect employees to trusted partners when appropriate—without adding vendors or complexity for employers.
Designed to Deliver Real Employer Outcomes
This approach benefits employers by addressing the root causes of financial stress—improving retention, attendance, and engagement.
Designed to Deliver Real Employer Outcomes
This approach benefits employers by addressing the root causes of financial stress—improving retention, attendance, and engagement.
Designed to Deliver Real Employer Outcomes
This approach benefits employers by addressing the root causes of financial stress—improving retention, attendance, and engagement.
Designed to Deliver Real Employer Outcomes
This approach benefits employers by addressing the root causes of financial stress—improving retention, attendance, and engagement.
More Thank Earned Wage Access
More Thank Earned Wage Access
More Thank Earned Wage Access
More Thank Earned Wage Access
How Express Wages Compares
How Express Wages Compares
How Express Wages Compares
Express Wages
Other EWA Providers
Traditional Financial Literacy
Basic Features
Task Creation and Prioritization
Collaboration and Communication:
Deadline Tracking and Reminders
Project Management Tools
Core Features
Email List Management
Automation and Workflows
Email Template Design
Automation and Workflows
Additional Features
A/B Testing
Analytics and Reporting
Lead Generation and Management
Sales Pipeline Management
Express Wages
Other EWA Providers
Traditional Financial Literacy
Basic Features
Task Creation and Prioritization
Collaboration and Communication:
Deadline Tracking and Reminders
Project Management Tools
Core Features
Email List Management
Automation and Workflows
Email Template Design
Automation and Workflows
Additional Features
A/B Testing
Analytics and Reporting
Lead Generation and Management
Sales Pipeline Management
Express Wages
Other EWA Providers
Traditional Financial Literacy
Basic Features
Task Creation and Prioritization
Collaboration and Communication:
Deadline Tracking and Reminders
Project Management Tools
Core Features
Email List Management
Automation and Workflows
Email Template Design
Automation and Workflows
Additional Features
A/B Testing
Analytics and Reporting
Lead Generation and Management
Sales Pipeline Management
Starter Plan
$49
/per user
/per month
Basic Features
Task Creation and Prioritization
Collaboration and Communication:
Deadline Tracking and Reminders
Project Management Tools
Core Features
Email List Management
Automation and Workflows
Email Template Design
Automation and Workflows
Additional Features
A/B Testing
Analytics and Reporting
Lead Generation and Management
Sales Pipeline Management
Growth Plan
$99
/per user
/per month
Basic Features
Task Creation and Prioritization
Collaboration and Communication:
Deadline Tracking and Reminders
Project Management Tools
Core Features
Email List Management
Automation and Workflows
Email Template Design
Automation and Workflows
Additional Features
A/B Testing
Analytics and Reporting
Lead Generation and Management
Sales Pipeline Management
Enterprise Plan
$139
/per user
/per month
Basic Features
Task Creation and Prioritization
Collaboration and Communication:
Deadline Tracking and Reminders
Project Management Tools
Core Features
Email List Management
Automation and Workflows
Email Template Design
Automation and Workflows
Additional Features
A/B Testing
Analytics and Reporting
Lead Generation and Management
Sales Pipeline Management
OUr differientated approach
OUr differientated approach
OUr differientated approach
OUr differientated approach
Why Express Wages is Different
Research-backed, not buzzwords
Built on behavioral economics and workforce research, not marketing trends
Research-backed, not buzzwords
Built on behavioral economics and workforce research, not marketing trends
Research-backed, not buzzwords
Built on behavioral economics and workforce research, not marketing trends
Research-backed, not buzzwords
Built on behavioral economics and workforce research, not marketing trends
Built around real employee behavior
Designed for how people actually manage money, not idealized financial literacy
Built around real employee behavior
We integrate with 200+ HRIS systems to sync employee data and automate repayments—no manual uploads needed. Takes less than 10 minutes.
Built around real employee behavior
We integrate with 200+ HRIS systems to sync employee data and automate repayments—no manual uploads needed. Takes less than 10 minutes.
Built around real employee behavior
We integrate with 200+ HRIS systems to sync employee data and automate repayments—no manual uploads needed. Takes less than 10 minutes.
Outcome-focused, not feature-driven
Measured by retention and stability, not app downloads or engagement metrics
Outcome-focused, not feature-driven
Measured by retention and stability, not app downloads or engagement metrics
Outcome-focused, not feature-driven
Measured by retention and stability, not app downloads or engagement metrics
Outcome-focused, not feature-driven
Measured by retention and stability, not app downloads or engagement metrics
Bring Flexibility to Payday
Join companies that are improving retention, reducing stress, and supporting their teams—without changing a thing about how they run payroll.
Bring Flexibility to Payday
Join companies that are improving retention, reducing stress, and supporting their teams—without changing a thing about how they run payroll.
Bring Flexibility to Payday
Join companies that are improving retention, reducing stress, and supporting their teams—without changing a thing about how they run payroll.
Bring Flexibility to Payday
Join companies that are improving retention, reducing stress, and supporting their teams—without changing a thing about how they run payroll.