What is Express Pay?
Express Pay allows your employees to access their earned wages instantly. Instead of waiting for standard processing (which takes 1–3 business days), employees can now push funds to their bank accounts in seconds for a small transaction fee.
Why This Matters for Employers
Financial stress is a leading cause of employee turnover. By offering Express Pay, you provide a modern, competitive benefit that empowers staff with financial control.
Higher Satisfaction: Employees get paid when they need it, 24/7/365.
Zero Admin Lift: The entire process is automated. Fingercheck handles the funding, transaction fees, and reconciliation.
Risk-Free: Just like standard Pay On-Demand, the system calculates available funds based on approved hours and risk factors automatically.
How It Works
Do I need to change my payroll process?
No. Express Pay integrates seamlessly with your existing Pay On-Demand setup. Deduction codes and reconciliation reports remain the same.
Availability: If Pay On-Demand is active for your company, Express Pay is automatically available to employees with eligible bank accounts.
Employee Action: The employee requests a payout via the Fingercheck app and selects "Express Pay."
Processing: Fingercheck verifies the funds and transfers them immediately via the RTP network.
Deduction: The advanced amount + the transaction fee is settled automatically during the next payroll cycle, just like a standard POD transaction.
Eligibility & Options
Not all banks participate in the Real-Time Payment network yet. Click here for a current list of eligible banks. If an employee’s bank is not eligible, they will still see the standard Pay On-Demand options:
Option | Speed | Cost |
Express Pay (RTP) | Minutes | $3.99 |
PayCard | Minutes | $2.99 |
Standard | 1–2 Days | $2.99 |