Discover how embedded payments enhance HR platforms

4 key innovation opportunities powered by embedded employee cards
  • Flexible benefits
  • Employee gifting
  • Instant salary access
  • Employee expenses
Flexible benefits
  • Flexible benefits
  • Employee gifting
  • Instant salary access
  • Employee expenses

Offer employers a flexible approach to benefits, all inside your app

Deliver the new approach to making flexible benefits spendable, all under your brand and UX. Employees can choose when and where they spend their allowances, all within rules defined by their employer.

embedded finance for flexible benefits
Why add cards-based flexible benefits:
  • Attract business signups to your app by solving another major piece of the employer’s HR needs
  • Radically boost employee engagement in your app as the place they discover and spend valued perks
  • Benefit from stickier subscribers as HR leaders recognise more of your app’s value
  • Collect new types of revenue based on employee card issuance and payment flow volume
What customers want

Employers are moving to complement their traditional employee benefits offerings with more flexible perks, often based on allowances that employees choose when and where to spend.

Supporting this new, flexible approach to benefits — embedded directly into your HR platform and employee app — gives you a powerful opportunity to stand out, generate new revenue, and become even more essential to your business customers.

Capabilities you’ll need
  • Allocate cards as part of HR employee lifecycle
  • Individual or bulk employee enrolment
  • Offer thematic spendable allowances
  • Employees can view spend in local currency
  • Complete data transparency for employers
  • Controllers can adjust rules any time

Flexible employee benefits, the new way

Offering greater convenience and control delivers a win-win-win for your HR platform users:
Benefits Managers
HR leaders and benefits managers get access to a truly impactful benefits offering.
Employees
Employees love being able to spend their allowances on what matters to them personally.
Management
Company management and financial controllers get full visibility of benefits uptake and usage.

Offer a more flexible and configurable alternative to traditional gift cards

Enable businesses to reward employees with funds to spend in agreed categories instead of relying traditional retail store cards – all managed through your HR platform.

embedded finance for employee gifting
Why add cards-based employee gifting:
  • Attract new business with a compelling employee-rewards proposition
  • Increase engagement and satisfaction as employees receive rewards in your app
  • Reduce churn as your platform solves an additional key HR process
  • Earn revenue from cards issued via your platform
What customers want

Employers want to reward employees in relation to performance or achievements. This context exists in your HR system but it gets lost if a company just uses generic, external, retail gifts such as store cards.

Our open-loop approach to employee gifting allows you to offer the smarter modern solution under your own brand, delivering a win-win to employers and employees.

Capabilities you’ll need
  • Generate ad hoc virtual cards assigned to employees via your app
  • Simple spend controls that allow non-technical managers to define spendable rewards
  • Mobile wallet provisioning for employees
  • Real-time spend analytics
  • Option for your HR platform to intermediate payments or let employers self-manage funds

Gifts that give employees way more choice

Open-loop gifting gives employees and employers a more meaningful rewards experience:
Rewards managers
Managers who authorise employee rewards enjoy a simpler setup that’s fully built into their daily HR system.
Employees
Employees appreciate rewards more when they're built into their HR app, and they love the extra choice in where to spend.
Finance managers
Transparent usage data and efficient cash management make this a finance-friendly approach to rewards.

Offer employees instant access to their earned pay via your app

Transform a compensation or payroll area of your HR app into something far more active and tangible for employees: the ability to access earnings at any time ahead of the normal pay cycle, without fees or debt.

embedded finance for instant salary access
Why add instant salary access
  • Compete for new business with a valuable payroll / compensation feature
  • Increase employee interactions with your app as they review and access their earnings
  • Enhance employer loyalty to your app: payroll-related features are very “sticky”
  • Earn revenue by charging employers fees when they offer earned wage access as a benefit
What customers want

Employers are always seeking high-impact, low-cost ways to improve benefits. Instant salary access — or earned wage access — is a simple, effective way to support financial wellness, with employers covering admin fees as a perk.

Thanks to embedded finance, HR platforms can now act as the facilitator of instant earnings payouts to employees, without necessarily having to take over or reinvent core payroll.

Capabilities you’ll need
  • Employee e-money wallet accessed via the HR app
  • Strong authentication and secure cash withdrawal mechanism
  • Optional cards add-on to make it more convenient to spend accessed earnings
  • Platform payment orchestration capabilities
  • Full transactional data including billing engine

Simple access to earnings for employees

Working as a complement to standard payroll, instant pay access benefits employees and the wider organisation:
Employees
Employees get a new option in their personal finance management, as they don’t always have to wait for payday to access their earnings.
HR leadership
Benefits and compensation managers can administer and support this popular benefit under their employee financial wellness strategy.
Payroll
Finance management and pay administrators get the data they need to incorporate instant salary access into standard payroll processes.

Add smarter expenses management to your HR app

Nobody likes the rigmarole of traditional, out-of-pocket, employee expenses. Now, thanks to embedded commercial debit card issuance, your HR platform can offer employers the solution.

embedded finance for employee expenses
Why add cards-based expenses
  • Strengthen your HR platform in competitive bids by ticking boxes in a whole new functional area
  • Increase active users managing their expenses and extend SaaS tiers for employers to unlock new features
  • Boost loyalty as a wider variety of business users come to depend on your product
  • Add new sources of revenue based on card issuance fees and a share of interchange on card spend
What customers want

Increasingly, businesses are looking to replace admin-heavy expenses processes with the modern alternative: assigning spend-controlled payment cards to employees.

Employers prefer to integrate expenses into their existing tech stack, not add complexity with a separate banking or fintech app. As the trusted HR platform, you’re perfectly placed to solve this.

Capabilities you’ll need
  • On-demand creation of payment cards and assignment to employees
  • Card delivery to wherever employees are based
  • Spend controls configurable at the programme and employer level
  • Flexible funding methods for employers
  • Reporting and analytics for financial controllers

Expenses, the smarter way

Your HR product can be the system that delivers employers the smarter expenses system they want:
Expenses administrators
Budget owners and finance executives gain efficiency and accuracy by replacing legacy expenses processes.
Employees
Every employee who can avoid being out of pocket is one more delighted user of your HR app.
Financial controllers
Errors and fraud go down with a cards-based approach to expenses, and cash management gains accuracy.

Ready for free expert advice?

Talk to an embedded finance expert at Weavr to share your HR product vision — whether it’s benefits, rewards, expenses, or more. We’ll show what’s working for similar apps, how we fit your stack, and help you build a business case.
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