A Complete

Pay Access Solution

Finally, a pay access solution created specifically to address the needs of both the employer and the employee.
A payroll card and pay access system, all in one.
There’s no fee to employers or employees for the payroll card.
It’s not complicated. We’ve automated everything.
It's offered with Money Earned®, our patented benefit that allows employees to access up to 50% of their net wages at the time of request at no cost to the employer.
The Next Step
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.
Spentra Solution

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

See complete Fee Schedule

Payroll Card Money Earned

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.