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Employees: How to Use Pay On-Demand
Employees: How to Use Pay On-Demand

Pay On-Demand allows employees to access earned wages in as little as 30 minutes.

Jeffrey Mo avatar
Written by Jeffrey Mo
Updated over a week ago

Sometimes you just need to get paid now, whether it’s unexpected car repairs, past-due bills, a family emergency, or one of life’s unexpected twists. Fingercheck’s Pay On-Demand is here to help. Fingercheck's Pay On-Demand allows employees to access earned wages at any time. The first time you enroll in Pay On-Demand, you must request access to the feature from your admin. Enrolling and requesting in Pay On-Demand is easy.

Why you should enroll in Pay On-Demand

Enrolling in Pay On-Demand (POD) allows you to take control of your finances! How you will benefit from POD:

  • You can access your earned wages when you need them most

  • An excellent alternative to payday advances and other predatory lenders

  • An affordable fee of $2.99 per transaction

  • Fingercheck will automatically process payments with the next regularly scheduled payroll cycle.

  • Get funds faster with your Fingercheck PayCard

Pay On-Demand dashboard

Once you’ve successfully enrolled and signed the Terms and Conditions you can see the Pay On-Demand (POD) dashboard. The dashboard shows your enrollment status, total unpaid wages, the available amount to withdraw, and past transactions.


Past POD transactions show the date, amount requested, fee paid, deposit account, and status.

The Status column shows Approved, Canceled, and Paid transactions.

Available wages and limits

With Pay On-Demand (POD) you can request a payout of your earned wages at any point throughout the pay period. You can access earned wages as soon as the hours you worked are posted to your timecard.

So if you work Monday, you can submit a POD request either that same day after clocking out or the following day.

It's important to note that POD transactions can be initiated for the prior pay period right up until the payroll for that period is processed. For instance, for the pay period spanning from Sunday through Saturday, you can access your available wages up until the moment the payroll is processed, which is typically the following Wednesday.

As an example, you have until the payroll is processed on 10/11 (for a check date of 10/13) to access your available wages for the pay period between 10/1 and 10/7.

You can tap into your earnings, accessing either half of your earned wages or a maximum of $1,000. Each POD transaction is capped at $200. You have the flexibility to submit multiple POD requests until your available wage limit reaches $0.

Enroll in Pay On-Demand

Applying for Pay On-Demand is easy and can be completed online or using the Fingercheck app.

Apply on the web

  1. Click the PAY ON-DEMAND tab.

  2. Select Apply Now.

    After your supervisor has approved your request, you will receive email and in-app notifications.

  3. Log in and accept the terms and conditions.

Now, you can submit the Pay On-Demand request.

Apply on the mobile app

  1. Log in to the Fingercheck Mobile app as an employee.

  2. Tap the hamburger icon to open the menu.


  4. Tap Apply Now.

  5. Tap OK.

  6. Once approved login to Fingercheck to accept the terms and conditions

Submit a Pay On-Demand request

Submitting a request for Pay On-Demand is easy and can be completed online or using the Fingercheck app.

Request Pay On-Demand on the web

  1. Start at the Pay On-Demand tab.

  2. Select Request Payout to open the New Pay On-Demand Request window.

  3. Complete the POD request:

    • Available Balance is the earned wages for the pay period

    • Available Amount is the maximum amount you can request. (50% of your earned wages; the default is $200 per transaction)

    • Select Transaction Maximum or enter Other Amount ($25 minimum)

    • Choose the bank account for the Pay On-Demand check

  4. Select Request.

If you choose the Fingercheck Payroll Debit Card, then your Pay On-Demand will be delivered in as little as 15 minutes. Bank direct deposits will be available the next business day. It will appear as a deduction on your regularly scheduled paycheck. It’s that fast and easy to get paid with Pay On-Demand!

Request Pay On-Demand on the mobile app

  1. Log in to the Fingercheck Mobile app as an employee.

  2. Tap the hamburger icon to open the menu.


  4. Tap Request Payout.

  5. Accept the Maximum amount, or enter an amount in the Other Amount field.

  6. To select a payment method, tap under Select pay method and tap on the method.

  7. Tap Continue.

  8. Verify that the information is correct.

Cancel a transaction

There are times when you may need to cancel a transaction. POD transactions can be canceled at any time up until processing.

  1. Start at the Pay On-Demand tab.

  2. Under the Status column, any transaction that can be canceled will have a Cancel selection available.

    • Locate the POD transaction that you would like to cancel.

    • Select Cancel.

  3. Select Yes, cancel this transaction to confirm you want to cancel the POD request.

  4. Click OK.

Pay-on-demand is reported on the pay stub

Pay-Demand transactions will appear as a deduction on your next regularly scheduled check date.

FAQs about Pay On-Demand

What is Pay On-Demand?

With Fingercheck's Pay On-Demand feature, employees can access their earned wages at any time prior to their scheduled payday.

How do I request access to Pay On-Demand?

You can request access to Pay On-Demand through the web application or mobile app. In both cases, you need to click or tap on the "Pay On-Demand" tab or menu and select "Apply Now." You will need to wait for your supervisor's approval before using the feature.

Who is eligible for Pay On-Demand?

Employees who have already received their first paycheck and are eligible for another paycheck can use the Pay On-Demand feature.

Why can't employees living in Connecticut or Nevada enroll or submit for POD?

State regulations prohibit this type of lending to residents of these states.

How much of my paycheck can I access through Pay On-Demand?

You can access up to 50% of your earned wages for the current pay period, with a default maximum of $200 per transaction.

How long does it take to receive my Pay On-Demand funds?

If you choose the Pay Card method, your Pay On-Demand funds will be available in as little as 15 minutes. If you choose direct deposit to a bank account, the funds will be available the next business day.

How will my Pay On-Demand request be reflected on my paycheck?

The amount you receive through Pay On-Demand will appear as a deduction on your next regularly scheduled paycheck.

Is Pay On-Demand a good alternative to loans or predatory lending?

Yes, Pay On-Demand is an excellent alternative to high-interest loans, payday loans, and predatory lending, as it allows you to access your own earned wages without incurring additional debt.

Why is my Pay On-Demand balance $0?

here are a variety of reasons why the Pay On-Demand balance may be $0. A few reasons are listed below:

  1. You are a new employee who has not received their first paycheck.

  2. You still need to add a bank account to your direct deposit set up.

  3. You have not worked this week or during the current pay period.

  4. You have reached your available credit limit for the current pay period.

Thank you for using Fingercheck. If you have any questions, please use the chat option or reach out to our team at 1-800-610-9501.

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