IN DEVELOPMENT
Not yet generally available. As of September 2026, Earned Wage Access is in active development and is not generally available for purchase or use. Availability depends on regulatory approval in each state and is rolling out in phases. Nothing on this page is an offer to provide the service.
We're building Earned Wage Access so your hourly staff can receive a portion of the pay they have already earned, without waiting for payday. One ACH per pay period. No cost to your business. No holding account. No change to your payroll process.
Earned Wage Access is in development and rolling out in phases, state by state, as regulatory approvals clear.
1,900,000+ employees paid through TipHaus and counting · Certified SOC | AICPA Compliant
Why we're building it
Your staff run out of money before payday. Your managers deal with the fallout.
Earned Wage Access brings the same flexibility to wages, giving employees access to earned wages before payday without putting managers in the middle of the process.
That creates unnecessary work for managers and can make "we pay every two weeks" a harder sell when you're competing for hourly talent.
TipHaus already solves this for tips. 64% of hospitality employees say they're interested in daily tip payouts, and operators using Earned Tip Access have seen retention improve by up to 30%.
64%
want daily tip payouts
30%
retention, up to
WHAT we're building
What Earned Wage Access will do for your business
Earned Wage Access is in development. Here is what we are building and what we intend it to do once it is available:
Staff receive only what they have already earned
Access will be limited to wages earned in the current pay period. Nobody borrows against future work.
One ACH per pay period
Every drawdown is reconciled, then pulled in a single ACH when the pay period closes. No daily transfers, no per-transaction bookkeeping, no cash flow surprises.
No cost to your business
Our intent is no platform fee, no per-employee fee, no funding requirement and no reserve account.
Your payroll process will not change
Drawdowns will be reconciled against the same wage and hours data TipHaus syncs from your POS and time and attendance systems.
Employee driven, zero manager overhead
No manager needs to initiate, approve or process a wage payout.
THE DIFFERENCES
One platform that calculates and pays
Plenty of companies can move money. Far fewer can tell you, defensibly, what each employee was owed and why.
Most Earned Wage Access providers
Most Earned Wage Access providers are payout rails. The calculation happens somewhere else, in a spreadsheet, a second platform, or someone's head. Every gap between those 2 systems is a reconciliation risk, and the operator carries it.
TipHaus
TipHaus calculates, reconciles and pays in 1 system. The same engine that already handles tip distribution for 1.9 million employees will handle wage access, reading from the POS and time and attendance systems you already run. One source of truth, one audit trail, one vendor.
Total Earned Compensation Access
Earned Tip Access and Earned Wage Access, together
Available Today
Gets your team their tips the next day.
In development
Earned Wage Access
Will do the same for the wages they have already earned.
Earned Tip Access is available today and gets your team their tips the next day. Earned Wage Access is in development and will do the same for the wages they have already earned. Together we call them Total Earned Compensation Access.
Run one, the other, or both. Earned Wage Access will not require Earned Tip Access.
PAYOUT OPTIONS
2 ways your team will be able to receive their wages
We are planning the same two payout options TipHaus already offers through Earned Tip Access.
hausdirect™
hausmoney®
Both payout options are in development for Earned Wage Access. They are available today through Earned Tip Access.
WHAT IT IS NOT
How we are designing it: no debt, no credit check, no risk to your business
No debt
Employees will receive wages they have already earned. Nothing is lent.
No credit check
No loan means no credit check.
No risk to you
The intent is no capital requirement and no reserve account.
Earned Wage Access gets confused with payday lending, so here is our design intent stated clearly. Employees will receive wages they have already earned. We are building it so that nothing is lent, which means no loan and no credit check.
For your business, the intent is no capital requirement and no reserve account. Drawdowns will be reconciled and settled through a single ACH per pay period, on the same SOC certified, AICPA compliant infrastructure already running tip payouts for 1.9 million employees.
Earned Wage Access is in development and subject to regulatory approval in each state. Nothing on this page is an offer to provide the service.
LIVE NOW
Earned Tip Access is available right now
While Earned Wage Access is in development, Earned Tip Access is live and running for operators across the country. Your team gets their tips the next day. No bank runs, no cash envelopes, no spreadsheet errors, and no cost to your business.
Operators running it see payroll complexity drop by up to 75% and retention improve by up to 30%.
See how Earned Tip Access works →
GET EARLY ACCESS
Be first to know when it is ready
Earned Wage Access is in development and rolling out in phases as regulatory approvals clear. Tell us you are interested and we will keep you posted on availability in the states you operate in.
FAQs
