FlexWage created the Earned Wage Access industry in 2010, our goal has been to provide workers with safe and responsible solutions to cash flow volatility and financial wellness. We believe financial security is a journey that begins most effectively at the workplace, and has generational impact. Utilizing earned wages to manage cash volatility, enables employees to avoid the high cost and stress induced by bank overdraft, late fees and short term loans. Once established on more solid footing, employees are more receptive to financial education, budgeting and planning. FlexWage provides the tools, through employer sponsored solutions to assist employees with each step of the journey. Employers enjoy increased employee engagement, productivity and retention. Employees enjoy being appreciated. The FlexWage pay card program combines the best features of payroll cards with the advantages of On Demand Pay.