BICPay earned wage access + pay card program
Give employees access to earned wages before payday.
BICPay gives your workforce instant access to wages they’ve already earned, plus a free FDIC-insured pay card and digital wallet. Employees get more control over their money, while your company gets a simpler, lower-cost way to support digital payroll.
FDIC‑insured up to $250,000 through our Member‑FDIC bank partner
One program. Two powerful parts.
Earned wage access
Employees can access up to 50% of wages they’ve already earned before payday, on demand. Funds can be delivered to the BICPay card in minutes and reconciled from the next paycheck.
Pay card + digital wallet
Employees receive a free account and Mastercard® debit card they can use for payroll, earned wage access, tips, reimbursements, spending, savings, ATM withdrawals, and digital wallet payments.
A better way to pay today’s workforce
Waiting for payday can create stress for employees, especially when unexpected expenses come up between checks. BICPay helps by giving employees access to a portion of wages they have already earned, before payday.
It is not a loan. There is no interest, no credit check, and no complicated banking setup. For employers, BICPay adds a practical financial wellness benefit without adding payroll complexity or pre-funding requirements.
What Employees Get
A better payday, in their pocket.
Employees can access up to 50% of wages they’ve already earned before payday, on demand. Funds can be delivered to the BICPay card in minutes and reconciled from the next paycheck.
- Cash out earned wages before payday
- Free account and Mastercard® debit card
- Add to Apple Pay or Google Wallet at sign-up
- Early direct deposit, up to two days early
- 55,000+ fee-free ATMs nationwide
- Cash back at participating merchants
- Savings goals, insights, and budgeting tools
- No credit check and no minimum balance
Built for hourly and high-turnover workforces
BICPay is a strong fit for employers that need a faster, simpler way to pay workers and support employees who may not have traditional direct deposit set up right away.
Ideal for:
- Staffing firms
- Hospitality teams
- Manufacturing employers
- Healthcare workforces
- Retail employers
- Seasonal or variable-hour teams
- Companies reducing paper checks
- Employers looking to improve retention with practical day-one benefits
Safe, insured, and protected
Every dollar loaded onto a BICPay card is held at our Member-FDIC bank partner and is eligible for FDIC insurance up to $250,000 in the event the partner bank fails.
Cards are chip-secured and can be locked from the app, giving employees more control and protection over their money.
What Employers Get
Lower payroll cost. Faster pay. Happier people.
BICPay helps companies offer a valuable employee benefit while reducing payroll friction.
- Reduce paper checks and pay card fees
- Pay new hires from day one
- Offer earned wage access with no extra payroll work
- Improve recruiting and retention
- No employer pre-funding required
- No setup fees and no cost to offer
How BICPay works
Add BICPay
We activate the program and prepare the pay card experience for your workforce.
Employees enroll
Employees sign up from their phone in minutes.
Pay flows to the card
Earned wage cash-outs, payroll, tips, and reimbursements can be delivered to the BICPay card.
Employees spend, save, and send
Employees can tap to pay, withdraw cash, set savings goals, manage money, and earn cash back at participating merchants.
What it doesn’t cost
Reaching your own money should be simple. BICPay includes fee-free options employees can actually use:
Important disclosures
BICPay is not a bank. Banking services and the BICPay debit card are provided by [Partner Bank], Member FDIC, pursuant to a license from Mastercard® International Incorporated, and may be used everywhere Mastercard debit cards are accepted. FDIC insurance applies to eligible accounts up to $250,000 in the event the partner bank fails. Up to 8 fee-free ATM withdrawals per month at participating in-network ATMs; a fee may apply otherwise. Cash back rewards are available at participating merchants and are subject to program terms. Mastercard and the circles design are trademarks of Mastercard International Incorporated. BICPay and the BICPay logo are marks of Benefits in a Card.
Earned wage access is offered only where the employer enables it and is based on approved hours worked. Employees may access a portion of wages already earned, typically up to 50% of earned wages and up to a per-pay-period maximum set by the employer. Accessing earned wages to the BICPay account is free, and the amount taken is reconciled from the next paycheck. Earned wage access is not a loan; there is no interest and no credit check. Standard ACH transfers to an external bank are free; instant transfers to an external debit card may incur a small fee. Earned wage access may not be available in all states and is subject to applicable law.
Better Together
with Benefits in a Card
BICPay can stand alone or work alongside the broader Benefits in a Card toolkit to create a more complete employee benefits experience.
- 24/7 virtual urgent care
- Unbundled ancillary benefits
- BenefitSync API integrations
- Day-one benefit options
- Responsive employee support
- FreeRx prescription savings