When a bill lands before payday, your team shouldn’t need a payday loan. Let them draw on wages they’ve already earned — instant by Interac, interest-free where you subsidize it, and repaid automatically from the next run.
Interactive preview. Availability depends on your employer’s setup and eligibility.
The payday gap
How it works
As the pay period runs, wages accrue day by day — earned, but not yet paid.
A share of what’s already earned becomes available to access early, within the limits you set.
The employee takes what they need and it’s sent by Interac — money in minutes, not days.
The advance is netted from the next pay run — no invoice, no collections, no loan.
For employers
Offer earned-wage access as a wellness perk. Where you subsidize the fee, it’s free to your team — and it never touches your cash flow, because it’s repaid from pay already owed.
It isn’t a personal loan. Repayment is netted from the employee’s own earned pay at the next run, structured to stay onside of employment-standards rules.
Set who’s eligible, the maximum share of earned wages, per-period caps, and how it’s funded — turn it on for your team on your terms.
Every lever is yours. Set how much can be accessed, who qualifies, how it’s funded, and how it’s paid out — with guardrails that keep it responsible on both sides.
Who it’s for
Bridge a gap between shifts without a loan — reach the pay you’ve already earned.
Cover the surprise bill on Tuesday without wrecking the budget on Friday.
Offer real financial wellness that improves retention — at zero cost and no risk.
A benefit people actually use, built into the payroll you already run.
Earned-wage access vs a payday loan
Frequently Asked Questions
It lets employees draw on wages they have already earned during the current pay period, before payday. As the period runs, pay accrues; a share of what’s earned becomes available to access early, and the advance is repaid automatically from the next pay run.
No. It’s the employee’s own earned pay, made available early, and it’s repaid by netting it from their next paycheque — not by collecting a debt. It’s structured to be non-recourse and to stay onside of employment-standards rules.
That’s up to you. Jmoor supports a fully free, employer-subsidized model, as well as flat or percentage fee structures — but there’s never interest, and where you subsidize it, access is free to your team.
It doesn’t hit your cash flow, because the advance is repaid from pay you already owe at the next run. You can subsidize the fee as a benefit, or pass a modest service fee through — the choice is yours.
It’s sent by Interac e-Transfer for near-instant delivery, so an employee facing a surprise expense has money in minutes. Direct deposit and prepaid card are also supported.
From how much has been earned so far in the period and the limits you set — a maximum share of earned wages, a minimum tenure, per-period caps, and guardrails that prevent over-borrowing against a single cheque.
Automatically. When the next pay run is processed, the advance is netted from the employee’s pay — after statutory deductions and before garnishments — with the whole flow recorded for audit.
No. It’s off until you turn it on, and you control eligibility, caps, funding, and disbursement methods for your team.
Interest-free access to pay they’ve already earned — instant, non-recourse, and repaid from the next run. The benefit that says you’ve got their back.
One System. Every Number. Total Confidence.
