On-Demand Pay
Empower your workforce with instant access to earned wages by providing a debt-free, automated On-Demand Pay solution that helps reduce staff turnover by up to 50% and fills 62% more shifts.
Trusted By Leading Brands
Empower Your Workforce with Financial Freedom
Financial wellness benefit that keeps your employees motivated
Empower your team with on-demand access to their accrued earnings. By bridging the gap between work and pay, you provide an ethical alternative to high-cost credit that helps your staff manage real-world financial pressures with confidence. For the business, this is a proven strategic operational lever.
Offering On-Demand Pay is shown to significantly reduce turnover, cut absenteeism by 13%, and drive higher job satisfaction, keeping your workforce resilient and your shifts filled.
Proven Impact
50% Lower Staff
Turnover
62% Fewer Unfilled
Shifts
Cut Absenteeism
By 13%
Work Smarter, Not Harder
Introducing On-Demand Pay or Earned Wage Access (EWA) doesn’t mean more manual work for your payroll department. Shopworks has partnered with Level to provide a light-touch, automated solution that synchronises real-time shift data with instant pay access.
Importantly, the service doesn’t impact employer cash flow. Everything is reconciled automatically on payday, meaning no manual deductions for payroll teams.
A Recruitment & Retention Revolution
Employee Payroll Savings
Employees can save directly from their salary before it reaches their bank account, helping them build savings more easily, often for the first time. It’s a simple way to create a lasting savings habit.
Regular saving through payroll can boost financial confidence, reduce stress, and help employees feel more in control of their money.
Empower Your Workforce With On-Demand Pay
Discover how on-demand pay can transform your workforce planning.
FAQs
What is On-Demand Pay (Earned Wage Access)?
On-Demand Pay, also known as Earned Wage Access (EWA), is a financial benefit that allows employees to access a percentage of their salary as they earn it throughout the month, rather than waiting for a rigid monthly or four-weekly payday.
Does On-Demand Pay affect company cash flow?
No. A major benefit of the Shopworks + Level integration is that Level FT funds the early withdrawals. There is zero impact on your business’s working capital, capital requirements, or cash flow.
Is On-Demand Pay a loan or a form of credit?
No. It is a withdrawal of wages already earned by the employee. Because it is not a loan, there is no interest charged, no credit checks are required, and there is absolutely no impact on the employee’s credit score.
How does On-Demand Pay handle Tax and National Insurance?
The system is fully compliant with HMRC guidance. Withdrawals are treated as a “net pay deduction,” meaning all Tax and National Insurance calculations are handled as usual during your standard payroll run.
Does this create extra work for my payroll team?
Zero manual intervention is required. Because data flows automatically between Shopworks rotas and the Level platform, the reconciliation of withdrawals happens behind the scenes, keeping your month-end payroll run simple and clean.
Is there a cost to the employer for providing this?
The Shopworks + Level solution is typically offered at zero cost to the employer. Employees simply pay a small, transparent flat fee per withdrawal—similar to an ATM fee—with no hidden interest or debt traps.
Can we set limits on how much staff can withdraw?
Yes. You remain in full control of the final parameters. You can set specific caps on the percentage of earned pay available for withdrawal (e.g., up to 50%) to ensure employees always have a significant portion of their paycheck remaining for their final monthly payment.
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