Frequently asked questions

The Spentra Solution features the Money Earned® benefit, which lets employees access up to 50% of their net wages before payday. Employees push their earnings to a linked debit card through the free Spentra app.

Spentra is available through a partnership between Spentra and your employer. Download the Spentra app for free and register with your company name and employee ID.

Android: Spentra - Apps on Google Play

iPhone: App Spentra – App Store

After you register, tap "Link Debit Card" and enter the billing address your card issuer has on file, followed by your card number, expiration date, and CVV. You can also give the card a nickname to help you recognize it.

Most U.S. debit cards are eligible. The card must be in your name and support instant transfers. Credit cards and prepaid cards cannot be linked. Some cards need extra verification before they can be linked; see "Why does the app say it needs to verify additional information before I can link my card?"

Yes.

The most common reasons include:

• The name on the card does not match your Spentra profile
• The billing address you entered does not match the one your card issuer has on file
• The CVV is incorrect
• The card does not allow instant transfers
• The card is already linked
• Too many unsuccessful attempts

Check that the details you enter match your card and try again. If it still doesn't work, contact us at 855-383-5300 or support@spentra.com.

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Some card issuers don't return the information needed to verify the cardholder's name or billing address, so the card can't be linked automatically.

Contact us at 855-383-5300 or support@spentra.com and we can help you link it.

Contact us at 855-383-5300 or support@spentra.com. We'll remove the old card and help you link the replacement.

Cards can't be removed in the Spentra app at the moment.

Contact us at 855-383-5300 or support@spentra.com with the last 4 digits of the card and why you'd like it removed, and we'll remove it for you.

Spentra ensures employee information is never made available or sold to any third party, ever. The complete Privacy Policy is available online.

No. There is no charge to link a card.

Yes. Your card details are handled by TabaPay and Spentra does not store your full card number. The name on the card is checked against your Spentra profile, and the billing address you enter is checked with your card issuer, so a card that isn't yours can't be linked.

Information regarding Terms of Use, Privacy Policy and Fraud Prevention is available for registered users through the Spentra app, and on our website at spentra.com.

With the Spentra app you can push Money Earned® to your linked debit card, view your available Money Earned® balance, view your push history, and link debit cards.

Report it to your card issuer straight away. Once the card is cancelled, Money Earned® can no longer be pushed to it. Link your replacement card in the Spentra app, and if it won't link, contact us at 855-383-5300 or support@spentra.com.

Money Earned® is a patented benefit that lets employees of companies that enroll in the Spentra Solution access up to 50% of their net pay before payday. Your employer sets the percentage available to you.

Money Earned® is available to employees of employers enrolled in the Spentra Solution, depending on the state you live in.

Spentra interfaces with an employer's time and attendance, and payroll systems to determine an employee's net wages (earnings after deductions and garnishments). At any time during the pay period, an employee can push their net wages to be deposited into their linked debit card.

To push Money Earned® to your linked debit card, open the Spentra app, tap "Push Earnings", choose the card, enter the amount, and confirm. The funds are sent to your card right away.

Each employer is different; Money Earned® can be accessed 1 to 4 hours after registration is completed.

Remember to download the Spentra app from the Google Play Store or App Store and link your card through the app.

Money Earned® is sent to your linked card as soon as you push it.

If funds are not available, please contact your card issuer/bank.

Your card issuer declined the transfer. Common reasons are that the card has expired, been locked, or been reported lost or stolen.

Contact your card issuer to check whether the card can still receive transfers, or contact us at 855-383-5300 or support@spentra.com.

First, check with your employer that your hours were recorded correctly. Missed punches or hour corrections affect your Available Earnings.

If your hours are correct, contact us through the Spentra app, or you can call us at 855-383-5300, or email at support@spentra.com. To investigate, we'll need a screenshot of your hours worked, showing days and times for the full pay period.

Yes. See the complete Fee Schedule.

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Yes. At the end of the pay period, the total amount you pushed, plus any fees, is deducted from your paycheck, just like taxes and insurance, so your paycheck is reduced by that amount.

Money Earned® is tied to your employer, so you will no longer be able to push it unless your new employer offers the Spentra Solution.

Money Earned® isn't available in every state, and availability is based on the address on your Spentra account. If you've moved recently or your address is out of date, contact us at 855-383-5300 or support@spentra.com and we'll check your details.