Frequently asked questions

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

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.

The following features can be accessed through the Spentra app:

• View your available earnings
• Enroll and manage text alerts*
• Money Earned®, our patented benefit, allows employees to access up to 50% of their net wages at the time of request
• Friendly support directly from the Spentra app

*Standard message and data rates from your wireless service provider may apply.

No. We do not conduct a credit check.

For questions or issues with Money Earned® or the Spentra app, sign in to the app and select Profile from the home screen. Then select Need Help, choose App & Money Earned Help, and select Contact Us.

Money Earned® is a patented benefit that lets employees of employers access up to 50% of their net wages at the time of request, before their next paycheck date.

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 throughout the pay period, an employee can push up to 50% of their net wages, at the time of request, to their linked debit card or bank account.*

*Fees apply. See Money Earned® Terms and Conditions.

To push any portion of your Money Earned® balance directly to your linked debit card or bank account, simply download the free Spentra app, log in, and select the Push Earnings option from the Money Earned Details. Enter the amount you want to push and press Submit. It’s that simple.

At the close of a payroll cycle, Money Earned® transactions by an employee during that payroll cycle are totaled and added to that employee’s pay stub information as a deduction, similar to common payroll deductions, like insurance or child support.

No, it is not a loan. Spentra interfaces with an employer’s payroll system to calculate net wages at the time of request. The Money Earned® feature simply gives employees access to their known earned wages.

A Money Earned® transaction is sent at the time of request, and funds are typically available in minutes.

Each employer is different; however, new employees generally can access Money Earned® after the first pay cycle closes.

You can access Money Earned® from your mobile device through the Spentra app, anytime and anywhere you have mobile service.

Let your employer know how much you like the Money Earned® benefit and ask them to email info@spentra.com for details. We will contact them right away.