Salary Advances

New

Earned wage access, built into payroll

Let employees access a portion of wages they've already earned before payday, with limits, approvals, and repayment handled automatically inside OnTap's payroll engine.

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Advance limits
Configurable
Payroll deduction
Auto
Employee requests
Self-service
Approval workflow
Instant

Financial Wellness

Support your team between paydays

An unexpected expense shouldn't mean a payday loan. OnTap lets employees request an advance against wages they've already earned, with your policy limits and approval rules enforced automatically — and repayment deducted cleanly at the next payroll run.

  • Employees request advances directly from the self-service portal
  • Configurable eligibility rules, advance limits, and approval workflows
  • Repayment automatically deducted from the employee's next payroll run
  • Full visibility for HR and finance into outstanding advances at any time

Features

Everything you need, nothing you don't

  • Earned Wage Access

    Employees can request an advance against wages already earned in the current pay period.

  • Configurable Limits

    Set maximum advance amounts as a percentage of earned wages, per employee or company-wide.

  • Approval Workflows

    Route advance requests through manager or HR approval before funds are disbursed.

  • Automatic Repayment

    Repayment is deducted directly from the next payroll run — no manual reconciliation needed.

  • Self-Service Requests

    Employees request advances from the mobile app or self-service portal, anytime.

  • Full Audit Trail

    Every advance, approval, and repayment is logged for HR, finance, and audit visibility.

Configurable
Advance Limits

Set by policy, per employee

Auto
Repayment

Deducted at next payroll run

Self-service
Requests

From mobile or portal

Full
Audit Trail

Every advance tracked

Built Into Payroll

No side ledger, no manual tracking

Salary advances live inside the same payroll engine that runs your regular pay cycle — so outstanding balances, repayments, and reporting are always in sync with the numbers your finance team already trusts.

  • Policy-Based Limits

    Cap advances as a percentage of earned wages automatically.

  • Repayment Tracking

    See every outstanding advance and its repayment schedule.

  • Manager Approvals

    Require sign-off before any advance is disbursed.

  • Finance Visibility

    Outstanding advances reconcile directly with payroll reports.

How It Works

From request to repayment, automatically

  1. 1

    Employee requests an advance

    Submitted from the self-service portal or mobile app, within policy limits.

  2. 2

    Manager or HR approves

    Requests route through your configured approval workflow.

  3. 3

    Repayment happens automatically

    The advance is deducted from the employee's next payroll run — no manual entry required.

Explore more

More in Finance

Give your team financial flexibility

Offer salary advances without leaving payroll, spreadsheets, or side ledgers behind.

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