Branch is free for both employers and employees to set up and use because we’ve aligned our business model with the interest of the users.
We don’t charge employers OR employees for using our solutions, because we don’t want to monetize emergencies or keep employees locked into a punitive cycle of low savings. But this occasionally does make people wonder how we pay our own team. :)
We built Branch to align with the interests of our users — both employers and their workers. We’re able to do this because of something called an interchange fee, which is one of the “merchant fees” that vendors, store owners, and other businesses pay to be able to accept credit cards.
"Our biggest reason for going with Branch was the lack of fees. I looked at a lot of different pay card type solutions, and there are some ridiculous fees. If you breathe on your card, there's a fee, and we don't feel that that's fair to our team members."