Branch works seamlessly with most payroll systems, adding an additional 15-20 minutes to your payroll process each pay period to process deductions and remit payment.

We typically see 15-20% of employees take advantage of the service each pay period. We see 30-50% adoption of EWA and close to 90% in terms of activating the app itself.

Branch is free for both employers and employees to setup 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.

Instant pay is not a loan or an advance on future earnings. While payday loans allow individuals to borrow money from a third-party, flexible pay allows employees to access wages from the hours they’ve already worked.