Frequently Asked Questions

Get answers about FlexxPay

  1. What is FlexxPay?

    FlexxPay is a benefit that employers can offer to their employees to help them overcome financial needs between paydays. With FlexxPay, employers can directly invest in their most valuable asset – their employees. On the FlexxPay platform, employees are able to access a portion of their already earned but currently unpaid salary with zero interest rate. They can perform bank transfers, do cash withdrawals, pay their utility bills, start a savings plan and more.

    FlexxPay acts as an agent between the employers and their employee and advances salaries on behalf of the employer.

  2. How does a business offer FlexxPay to their employees?

    FlexxPay partners with employers to deliver financial wellness services to their employees. The employer agrees to offer FlexxPay as an employee benefit. No integration is needed. Highest security standards are followed. The service can go live within 48 hours.

    Any business can offer FlexxPay’s financial wellness service to its employees.

  3. Are there additional charges for the FlexxPay service?

    No. Employees can access financial services at a nominal transaction fee and use the savings tool free of cost.

  4. Is there any interest charged by FlexxPay?

    No. FlexxPay is not a credit solution and there is never any interest charged or paid by the employee.

  5. Is FlexxPay a consumer loan provider?

    No. FlexxPay is a purely a technology solutions provider for employers. It is not a credit solution.

  6. Is there any cost for an employer to offer the FlexxPay service to their employees?

    No. There are no costs for the employer.

  7. Does FlexxPay process payroll?

    FlexxPay does not process payroll. The employer or their designated payroll provider processes payroll. FlexxPay does however offer a cloud based payroll solution. Please request more information from us about this at

  8. Does FlexxPay integrate into an employer’s HR or payroll system?

    No, FlexxPay does not require any system integration with any of the employer’s systems. The employer simply signs up to FlexxPay and will then receive a username and set a password to access the platform. Once an employer is enrolled, all employees automatically qualify to use FlexxPay services.

  9. Does FlexxPay have an impact on an employer’s cash flow?

    No. FlexxPay fronts the cash to the employees on behalf of the employer. FlexxPay acts as an agent between the employer and employee. FlexxPay records receivables and the employer records corresponding payables for each salary advance that is processed. Advances and fees are then paid by the employer to FlexxPay during the salary cycle at the end of the month. The employee receives his usual salary less the advances and fees.

  10. How secure is the data provided to FlexxPay?

    All the data is hosted in the cloud. Data is encrypted at rest and in transport. PCI standards are used to maintain the highest level of data security. Please refer also to FlexxPay privacy statement (