Pay Access Solution
Finally, a pay access solution created specifically to address the needs of both the employer and the employee.
In Employee Compensation
We Call It Wage Management
Because the Spentra pay access solution is interfaced with the employers' time and attendance and payroll system(s), we can provide a completely automated, employee opt-in solution. Saving lots of cost and overhead for employers who sign up.
The Spentra Solution Is Free
What You Do With The Savings Is Up To You
The Spentra Solution is offered completely free to employers.
Employees will enjoy a suite of no-charge features with their Spentra Card:
- No fee to employers or employees for card
- Over 55,000 no-surcharge AllpointTM ATMs
- No monthly maintenance fees
- No minimum balance requirements or fees
- No ACH deposit fees
- No POS PIN based transaction fees
- No POS Signature based transaction fees

Our Claim To Fame
Money Earned®
Spentra also comes with a patented feature, Money Earned®, an employee benefit that allows employees to access up to 50% of their net wages at time of request directly through the Spentra app, at no cost to the employer. Helps employees manage the funds they know they have: pay bills on time, eliminate late fees and reduce financial stress.
Funds are provided by Spentra and reconciliation happens on the paycheck date. Because we are interfaced with your time and attendance & payroll system, the entire process is automated.
Boost Morale
The Spentra Card with Money Earned® is an easy way for your employees to handle those little life surprises.