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For Employers For Employees How It Works Payroll Contact
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Earned Wage Access Made for U.S. employers

Your team earned it.
Let them access it early.

Kwikli lets employees withdraw part of the wages they've already earned, before payday. No loans. No interest. Zero cost to your business.

Request a Demo Employee login →
Employee pays a small fee, shown up front | Repaid through payroll | No credit check
DC
Daniel Cohen
Northwind Logistics
Example
Available to withdraw now
$640.00
Next payday: Nov 5
$0$1,600 earned so far
Withdraw to Zelle
Earned so far
$1,600
Repayment
On payday ✓
Works with your payroll
ADP Gusto Paychex QuickBooks Payroll Rippling Any system that exports CSV
$0
cost to the employer. The employee pays a small fee per withdrawal.
50%
a typical cap on how much of earned pay can be withdrawn early. Set per employer.
2
simple files from payroll. No IT project, no new software.
How It Works

Four steps from payroll to pocket.

01
🏢
Employer shares hours
HR uploads a simple file from their payroll system (ADP, Gusto, Paychex or any CSV export) with each employee's earnings so far.
02
📲
Employee sees their balance
Employees sign in with their phone number and see exactly how much of their earned pay they can access today.
03
⚡
Request a withdrawal
The employee picks an amount up to their limit and sees the fee before confirming. Money is sent by Zelle or bank transfer (ACH).
04
🔄
Repaid on payday
Payroll deducts the advance from the employee's next paycheck and it is repaid to Kwikli. Kwikli provides the funds, not the employer.
For Employers

A benefit that costs you nothing.

Kwikli funds the advances and manages every request. Your team uploads two files and applies one payroll deduction. Your employees get access to pay they've earned.

  • Works with the payroll system you already use
  • You deduct the advance on payday; no new payroll software
  • Kwikli provides the money. You never front any cash
  • Dashboard shows enrollment, advances and what to deduct
  • Your company sets the limit on how much can be withdrawn
  • The employee pays the fee. Nothing is charged to your business
Request a Demo
Employer DashboardExample data
Enrolled
48 /60
Advanced This Month
$8,200
Next paydayNov 5, 2026
Amount to deduct$8,200.00
Deduction listDownload CSV
Your cost this month$0.00
For Employees

Your money, when you actually need it.

Stop waiting for payday. Access part of the wages you've already earned from your phone. No loan. No interest. No credit check.

  • See what you can withdraw, based on the hours you've worked
  • Withdraw up to the limit your employer sets
  • Money is sent to your Zelle or bank account (ACH)
  • A small fee, shown before you confirm. No hidden charges
  • Repayment happens automatically from your next paycheck
Open the App Ask your employer →
Welcome back
Daniel Cohen
Available to withdraw
$640.00
Next payday: Nov 5
Withdraw money
Recent · example
⚡
Withdrawal · Zelle
Oct 22
$150.00
🔄
Repaid · Payroll
Oct 15
$100.00
Features

Simple for HR. Clear for employees.

📄
Payroll by file
Export two CSV files from your payroll system: earnings so far, and what was deducted. No integration project and no waiting on IT.
📱
Works on any phone
Employees open a link in their phone's browser and sign in with a text-message code. There is nothing to download.
💸
Zelle and bank transfer
Withdrawals are sent by Zelle or ACH bank transfer, with the amount and fee shown before the employee confirms.
🛡️
Limits and ID checks
Each employer sets a cap on withdrawals. Every employee is ID-verified before their first withdrawal, and larger requests are reviewed.
📊
Employer dashboard
See enrollment, every advance, what to deduct on payday, and whether it was deducted in full. All in one place.
💵
Everything in U.S. dollars
Balances, fees and repayments are all shown in dollars and cents. No surprises, no currency conversion.
Payroll

Works with the payroll you already use.

Today, Kwikli reads your payroll through two simple CSV files, which every major provider can export. Direct connections to payroll systems are planned for later.

📄
ADP
Workforce Now, RUN and more
CSV upload
📄
Gusto
Reports export
CSV upload
📄
Paychex
Reports export
CSV upload
📄
QuickBooks Payroll
Reports export
CSV upload
📄
Rippling, Paycom, Paylocity
Reports export
CSV upload
🔗
Direct API connection
Automatic sync, no files
Planned
Good to know

Common questions

Is this a loan?

Kwikli is earned wage access. Employees only get money they have already earned, there is no interest and no credit check, and the amount is taken from their paycheck on payday. Rules for this kind of service differ by state, and we design each program with that in mind.

Who pays?

The employee pays a small fee per withdrawal. It is shown before they confirm. It never costs the employer anything.

What does the employer need to do?

Upload an earnings file from payroll, apply a one-time deduction for each advance on payday, and upload the deductions file afterwards so everything matches.

How fast does the money arrive?

Withdrawals are sent by Zelle or bank transfer after review. Timing depends on the payment method and the bank, so it is not instant in every case.

✅
Earned pay only
Limits are based on hours your employer confirms. Nobody can withdraw more than they have earned.
🧾
Fee shown up front
The amount, the fee and what you receive are all shown before you confirm.
🆔
ID verified
Every employee is verified before their first withdrawal.
🔄
Repaid by payroll
The advance comes out of the next paycheck. No collection calls, no debt spiral.
Get Started

Offer a benefit your team will actually use.

We're onboarding our first employers. Tell us about your company and we'll set up a short demo.

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