UKG Wallet is an earned wage access solution that enables employees to access a portion of their accrued but unpaid wages before their scheduled payday. The service integrates with UKG payroll and workforce systems to calculate earned pay in near real time. The solution provides employees with controlled access to wages they have already earned, helping them manage short-term financial needs without altering standard payroll processes. Transfers are facilitated through a digital wallet and associated payment mechanisms. UKG Wallet is designed to operate within existing payroll workflows, using time and pay data to determine available balances. It supports financial transparency while maintaining employer-defined controls and compliance with payroll policies.

Key Features

Earned Wage Access Provides access to accrued net wages before payday.

• Real-time or near real-time earnings calculation
• Employer-defined access limits
• Controlled disbursement process

Payroll Integration Connects directly with UKG payroll systems.

• Automated earnings data synchronization
• No changes to payroll cycles
• Accurate deduction handling

Digital Wallet Functionality Enables employees to receive and manage accessed funds.

• Secure account access
• Electronic fund transfers
• Transaction visibility

Employer Controls and Configuration Allows organizations to define participation parameters.

• Eligibility configuration
• Withdrawal limits
• Policy alignment

Financial Transparency Tools Provides visibility into earned and accessed wages.

• Balance tracking
• Transaction history
• Clear reconciliation with payroll

Benefits

Improved Employee Financial Flexibility Allows access to wages already earned.

• Reduced reliance on high-cost borrowing
• Support for short-term financial needs
• Greater pay visibility

Maintained Payroll Integrity Operates within existing payroll processes.

• No disruption to standard pay cycles
• Automated reconciliation
• Accurate wage tracking

Administrative Efficiency Reduces manual handling of pay advances.

• Automated calculation of available wages
• Reduced off-cycle payment processing
• Integrated payroll data flow

Controlled Risk Management Provides employer oversight of early wage access.

• Configurable participation rules
• Defined withdrawal thresholds
• Compliance with payroll policies

Enhanced Workforce Engagement Supports employee access to compensation information.

• Transparent earnings view
• On-demand access to pay data
• Digital self-service functionality