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Best Employee Purchase Programmes Online

Employee purchase programs allow you to enjoy advance access to funds that will be deducted later from your payroll direct deposit as well as other perks.

While the beauty of salary is the assurance that it will be paid, you might need access to products and services that your current financial strength may not be able to handle or you are saving that for something else.

Opting for employee purchase programs could be a life safer to enable you to get the products and services you need until your next paycheck with no need to worry about a down payment and most times, with good discount savings.

This list is divided into two with the first focusing on employee purchase programs you can access without any form of approval or authentication with your current employer.

The second is for employer-sponsored programs or businesses that want to extend this kind of benefit to their employees through third-party platforms.

You can use the filter below to specify what best describes you to get the options suitable based on your selection.

Filter by user type
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Company

Non-employer sponsored employee purchase programs

If your company does not provide any, you can use the below employee benefit programs: 

 

Amazon Prime Visa

Amazon

Financing

Yes

Credit/Debit Card

Yes

Payroll Direct Deposit

ACH


Tip: The Amazon Prime Visa account is the best substitute if your employer does not offer an employee purchase program as with it, you enjoy a lot of savings, monthly payments, and a Visa credit card usable worldwide among other perks.

 

With up to 5% in reward anytime you use this account, you do not have to wait for employer-sponsored coupon codes to enjoy discounts using the Amazon Prime Visa.

It is also very quick to get a decision once your application has been submitted with a Visa gift card immediately available to you once the request is successful.

This account comes with a physical buy now pay later card that you can use everywhere Visa is accepted (including international transactions) which will take a few days for delivery after the approval of your application.

 

Read more about Amazon Prime Visa

Using this card, you can enjoy buy now pay later purchases on Amazon or directly when you make payments at merchants that accept Amazon Pay.

In addition to that, there is also My Chase Plan that you can access when you log into your credit account which can also be used to convert any transaction into a buy now pay later.

Since your statement has a billing cycle, you can clear it off once your paycheck is in on a monthly basis.

Perpay

Perpay

Financing

Yes

Credit/Debit Card

Yes

Payroll Direct Deposit

Yes


Tip: Perpay is a non-employer-sponsored employee purchase program that relies entirely on your payroll direct deposit to determine eligibility for its services.

 

Perpay is one of the buy now pay later services that requires no credit check to grant you access to their platforms.

It provides a marketplace where you can browse through products ranging from electronics, appliances, clothing, beauty, and health products, to others that you can order with no down payment required until your paycheck day.

Perpay’s approval process involves connecting your direct deposit account before your order will be shipped and it comes with 3% cashback.

 

Read more about Perpay

Common to many of the employee purchase programs, there is also Perpay credit card provided which you can use for handling expenses anywhere Mastercard is accepted.

This platform reports to the major credit bureaus hence, a good choice to build your credit score as well.

Wisely

Wisely

Financing

Yes

Credit/Debit Card

Yes

Payroll Direct Deposit

Yes


Tip: The Wisely app is provided by ADP, a very popular HR software provider. With this solution, you can enjoy early wage access, cashback, prepaid debit cards, and others.

 

Wisely is another amazing employee purchase program service provider for everyone who has a verifiable source of income through payroll direct deposit.

Despite being provided by ADP, it is not required for your employer to be using the HR management software before you can use it as it works independently of the ADP services.

With an account, you will get access to your paycheck 2 days earlier which you can use for handling your needs through the prepaid card or other services on the app.

 

Read more about Wisely

You can also enjoy up to 5% cashback shopping through Wisely as you can buy directly from merchants that include Sephora, Safeway, CVS, and more.

If you need an app to pay your bills on time, Wisely could be a good option as it supports automatic bill handling for services like utilities, rent, medicals, and others.

EarnIn

EarnIn

Financing

Yes

Credit/Debit Card

Yes

Payroll Direct Deposit

Yes


Tip: EarnIn is another good option if your employer does not provide an employee purchase program through its “access $100/day” up to $750 of your current cycle paycheck.

 

While this could be confused as a loan, it is not as it gives you advance funds which will be deducted when you receive your next paycheck.

With its direct transfer to your linked bank account, there is a limit of $100 per day but you can access more (up to $1,500) when using its Visa contactless card.

One good thing about this app is its “Balance Shield Alerts” which lets you know when your bank balance is low so you can use your available EarnIn balance against taking loans or cash advances.

 

Read more about EarnIn

It also has a feature for tracking your credit score which can be a good way to ensure you are improving by avoiding loans and other financial services that could affect it negatively.

The platform will automatically debit your connected bank account on your payday for any amount used hence, a good alternative to employer-sponsored employee purchase programs if your company has none.

Payroll Jewelry

Payroll Jewelry

Financing

Yes

Credit/Debit Card

No

Payroll Direct Deposit

Yes


Tip: Payroll Jewelry is an employee purchase program for jewelry product shopping including different types and makes of rings, bracelets, pendants, and more.

 

This jeweler has a very good rating for its employee purchase program which has been used by a number of people to handle their jewelry purchases.

Payroll Jewelry is a service managed by Corporate Jewelers, a well-known manufacturer popular for its corporate bodies’ tailored jewelry shopping, both for government and private businesses.

With this employee purchase program, you can get jewelry and repay on a monthly basis through your paycheck for up to one year.

 

Read more about Payroll Jewelry

In terms of shipping, it works in a similar way to Perpay as the provider will send your jewelry once your first installment is received on your payday.

With their items manufactured in-house and with no added fee to the prices you see on their online shopping portal, this platform could be a good alternative to get any jewelry you want until payday.

FloatMe

FloatMe

Financing

Yes

Credit/Debit Card

No

Payroll Direct Deposit

Plaid


Tip: FloatMe is a membership-based employee purchase program that charges $1.99/m to access its cash advance, side gigs, and other perks.

 

This is another unique application that enables you to enjoy benefits as an employed individual verifiable through its integration with Plaid, a platform that enables it to connect to your paycheck account.

FloatMe comes with a monthly subscription fee of $1.99 which is deducted from your connected salary direct deposit account.

This platform allows you to access its cash advance services and has an option for instant deposit that comes with varying fees ($10 instant deposit has a $3 fee, $20 has a $4.00 fee, and you will be charged $5 for $30+).

 

Read more about FloatMe

Its employee purchase program benefits include giving you access to side gigs on the platform provided by its partners which you can do in your spare time to earn some rewards.

FloatMe also has account balance alerts which will give you notifications any time your balance goes low.

Clair

Clair

Financing

Yes

Credit/Debit Card

Yes

Payroll Direct Deposit

Yes


Tip: Clair is in between employer-sponsored and non-employer-powered employee purchasing programs but access is granted based on companies that have affiliations with its partners (which are used by more than 10,000 companies) hence, you might be eligible to use it.

 

If your company uses any of Worklio, SyncHR, Humanity, When I Work, 7Shifts, Attendance on Demand, UAttend, EasyWorkforce, Altametrics, Trinet Zenefits, TMS, PrimePay, and its other partners’ solutions then, you possibly have access.

Using Clair’s spending account as your paycheck account will enable you to have access to its employee purchase program benefits like being able to access up to 50% of your paycheck instantly with no extra fee.

This platform also provides a Mastercard debit card you can use for other expenses and withdrawals at ATMs (interest-free) and other perks.

 

Read more about Clair

Once you have an account, you can also add a virtual card which can be connected to your favorite digital wallets for in-store purchases. 

If your employer uses any of the services mentioned above as part of their HR management system, you can check the interface where you normally clock in for a “get paid early” button to get started with setting up Clair.

Alternatively, you can check with your payroll department for assistance.

LutherSales

LutherSales

Financing

Yes

Credit/Debit Card

No

Payroll Direct Deposit

Yes


Tip: Luther’s employee purchase program service is based on a buy now pay later model through its marketplace where you can buy products in varying categories and pay later.

 

If you need non-employer-sponsored employee purchasing programs for buying products, Luther is one of the services on this list that works through their marketplace.

This provider has collections of items in categories that include furniture, appliances, electronics, home decor, and others you can browse through to purchase products of your choice.

Its approval process involves reviewing your request and connecting you to a personal shopper who will assist in coordinating the shopping experience and delivery of your ordered items.

 

Read more about LutherSales

Its online application is made simple by collecting a few details from you and someone will reach out on how to proceed post reviewing your submission.

Corporate Shopping

Corporate Shopping

Financing

No

Credit/Debit Card

No

Payroll Direct Deposit

No


Tip: Corporate Shopping is a coupon and deals-based employee purchase program that aggregates deals and voucher codes from top retailers including airlines, shopping platforms, hotels, and other services.

 

Corporate Shopping is a private discount shopping website that offers exclusive discounts from a variety of retailers.

You will see offers from top platforms including Hertz, Avis, Budget, Land’s End, Orbitz, Hotels.com, JCrew, Macy’s, 1-800 flowers, ProFlowers.com, Brooks Brothers, Costco, Ralph Lauren, Footlocker, HP Employee Purchase Program, and more.

It is free to join and not a bad option to add to your collection of non-employer-sponsored employee purchasing programs.

 

Read more about Corporate Shopping

One interesting coupon category you should check when visiting the portal is that for Alumni. It contains a lot of discount codes you can use to grab deals at some major retailers.

VacationWiser

VacationWiser

Financing

Yes

Credit/Debit Card

No

Payroll Direct Deposit

Yes


Tip: VacationWiser is another employee purchase program you can use but it focuses on travel and vacation packages.

 

VacationWiser offers cruise and resort packages with flexible payment options for employed individuals.

These packages provide access to popular cruise lines and resorts without the need for major credit cards.

You can build your travel package, enjoy interest-free payments through your payroll, and start your trip after the second month of payments.

 

Read more about VacationWiser

The packages are available without a membership fee and feature fixed payments.

Employer-sponsored employee purchase programs

The below employee purchase programs require that your company is signed up before you can use them:

 

Snappy

Snappy

Type

Gifting

Pricing From

$0

Other Perks

Send branded swags


Tip: Snappy provides a unique gifting platform where companies can send items to their employees, partners, and customers as a form of appreciation or to celebrate their special events like birthdays.

 

Snappy is an interesting platform to use as your employee purchase program service for its unique model when it comes to gifting.

This platform allows you to create a collection of products based on a defined budget and you can then forward the list to your employee to choose any product from your collection.

Once the employee picks one, you will then pay for the product which will then be shipped to wherever the employee lives as the platform supports delivery globally. 

 

Read more about Snappy

Apart from physical goods, you can also send digital gifts, branded swags like your company-branded shirts, and other items.

You can start by simply creating an account as no payment is required to use the essential plan.

AccessPerks

AccessPerks

Type

Discount

Pricing From

Varies

Other Perks

Online and Offline


Tip: AccessPerks provides an employee purchase program solution that enables access to private discounts and coupons from various retailers, both online and in-store walk-ins.

 

This employee discount program is designed to provide valuable savings and benefits to employees.

With a vast network of partners, AccessPerks offers discounts on various products and services, including travel, entertainment, shopping, and wellness.

Employees can access these perks through an easy-to-use online platform and mobile app, making it convenient to explore savings opportunities.

 

Read more about AccessPerks

It can be offered as part of an employee benefits package to attract and retain top talent, fostering a positive work environment.

Purchasing Power

Purchasing Power

Type

Shopping

Pricing From

$0

Other Perks

Payroll Direct Deposit


Tip: Purchasing Power is a shopping-based employee purchase program that lets individuals have access to a range of products in varying categories that can be bought and paid for installmentally through payroll direct deposit.

 

Purchasing Power is an employee purchase program that empowers individuals by providing access to a wide range of consumer products through a convenient financing model.

Catering to the needs of working-class individuals, it offers a selection of products including electronics, appliances, furniture, and more, with the flexibility of installment payments.

It also requires no credit check, making it accessible to individuals with varying credit histories. 

 

Read more about Purchasing Power

Through payroll deduction, employees can spread the cost of their purchases over a specified period.

It partners with employers with the aim to enhance the financial well-being of employees and create a more engaged and satisfied workforce.

medZero

medZero

Type

Healthcare

Pricing From

$0

Other Perks

Accepts FSA/HSA


Tip: medZero is a health-tech employee purchase program geared towards allowing individuals access to quality healthcare which can be repaid installmentally through paycheck.

 

medZero offers employees a convenient solution for managing out-of-pocket healthcare expenses with on-demand access to funds.

It provides this service with zero interest and zero fees. This approach aims to alleviate financial burdens associated with healthcare costs.

For users with Flexible and Health Savings Accounts (FSA/HSAs), the added benefit of processing payments on a pre-tax basis brings potential savings of up to 30% when compared to using after-tax cash.

 

Read more about medZero

The platform empowers individuals to navigate healthcare expenses efficiently while maximizing tax advantages.

By ensuring simplicity and financial flexibility, medZero contributes to a more accessible and affordable healthcare experience for employees.

BenefitsMe

BenefitsMe

Type

Shopping

Pricing From

$0

Other Perks

Payroll Direct Deposit


Tip: BenefitsMe is a shopping platform that delivers an employee purchase program allowing individuals access to merchandise that can be bought through payroll direct deposit.

 


The BenefitsMe platform provides individuals with the flexibility to use payroll deductions for acquiring products, allowing for gradual payments over an extended period.

The platform offers users the convenience of exploring a diverse selection of popular merchandise.

Through its disciplined payment structure, individuals can make purchases with the assurance of a manageable and structured repayment process.

 

Read more about BenefitsMe

The user-friendly system facilitates accessibility to a wide array of products, promoting a seamless experience for those seeking an alternative approach to financing their purchases.

As users navigate the platform, they can leverage the benefits of payroll deduction to secure items, fostering a convenient and tailored method for managing their expenses over time.

DailyPay

DailyPay

Type

Earned Wage Access & Gifting

Pricing From

Other Perks

Integrates into Existing HR Software


Tip: DailyPay provides a technology that can integrate into your payroll system to allow you to send rewards to employees and for individuals to enjoy its early wage access benefits.

 

DailyPay is a financial service employee purchase program that aims to enhance financial well-being by providing on-demand access to earned wages.

The platform allows employees to access a portion of their earned but unpaid wages before the scheduled payday.

It integrates with payroll systems, enabling seamless and secure transactions and employers can also send cash rewards to individuals through the platform.

 

Read more about DailyPay

It provides employees with greater financial flexibility and control over their earnings, helping them meet immediate financial needs, cover unexpected expenses, or save for future goals.

The platform emphasizes transparency, and there are no loans involved, eliminating the need for traditional payday loans.

It also provides a prepaid card which allows employees to have access to their funds when required without the need for the app.

Corporate Offers

Corporate Offers

Type

Discounts

Pricing From

$0

Other Perks

Exclusive Discounts


Tip: Corporate Offers can also be utilized as your employee purchase program solution for giving individuals access to deals and exclusive promotional discounts on products and services from thousands of brands.

 

Corporate Offers is a platform that provides exclusive corporate discounts on various products and services for employees.

The platform collaborates with thousands of companies to offer special deals and savings at popular retailers, travel destinations, and entertainment providers.

It aims to enhance employee benefits by providing access to discounts on a diverse range of goods and services, including travel, electronics, apparel, and more.

 

Read more about Corporate Offers

The platform’s partnerships with well-known brands contribute to a wide selection of offers tailored to employees’ needs.

By leveraging corporate relationships, it strives to create a valuable perk for employees, fostering a positive work environment and contributing to overall job satisfaction.

The platform emphasizes simplicity, enabling employees to easily access and enjoy the benefits of exclusive corporate discounts.

PerkSpot

PerkSpot

Type

Discounts

Pricing From

$0

Other Perks

App and Browser Extension


Tip: PerkSpot provides access to discount deals from popular retailers and services to enable employees to save on their purchases through its website, mobile app, and browser extension.

 

PerkSpot is another amazing employee purchase program solution and perks platform designed to enhance overall well-being and job satisfaction.

With a vast network of over 700 leading companies and organizations, it offers exclusive discounts and special offers on a wide range of products and services.

Employees gain access to savings on travel, shopping, entertainment, health and wellness, and more.

 

Read more about PerkSpot

The platform focuses on creating a positive workplace culture by providing valuable perks that contribute to work-life balance and financial wellness.

PerkSpot’s user-friendly interface allows employees to easily explore and redeem perks, fostering engagement and loyalty.

It provides a mobile app that grants individuals access to perks on the go and also a browser extension to ensure they do not miss savings when shopping online.

TapCheck

TapCheck

Type

Early Wage Access

Pricing From

$0

Other Perks

Integrates into Existing HR System


Tip: TapCheck enables employers to provide employee benefits through on-demand access to their earned wages.

 

TapCheck is also an employee financial wellness platform designed to empower workers by providing on-demand access to their earned wages.

This employee purchase program solution allows individuals to access a portion of their earned but unpaid wages before the traditional payday, promoting financial flexibility and reducing financial stress.

With it, employees can easily track their earnings, request early wage access, and receive the funds instantly.

 

Read more about TapCheck

The platform integrates seamlessly with existing payroll systems, ensuring accuracy and security.

It serves as a valuable resource for employers looking to support their workforce’s financial health and create a positive workplace environment.

Proliant

Proliant

Type

Payroll & Early Wage Access

Pricing From

$0

Other Perks

Part of the Existing Service


Tip: Proliant provides an add-on called ReadyPay Today in addition to its core HR management services that give employees early access to their earned wages.

 

Proliant is a workforce management solutions provider, specializing in payroll and human resources services for businesses.

It offers a suite of services that includes payroll processing, tax management, benefits administration, and time and attendance tracking.

To enable you to deploy an employee purchase program solution for your company, it provides an innovative add-on called ReadyPay Today.

 

Read more Proliant

This feature empowers employees with early access to their earned wages, offering financial flexibility and convenience.

ReadyPay Today reflects Proliant’s dedication to enhancing the overall employee experience and addressing evolving needs in the modern workplace.

ONE@Work

One@Work

Type

Early Wage Access

Pricing From

$0

Other Perks

Early Wage Access & Savings


Tip: ONE@Work enhances employee experience with features like Instapay for early access to wages, transparent earnings tracking, automatic savings, and budgeting.

 

This platform offers a range of features, including early access to earned wages through Instapay, enabling employees to access their net earnings before payday with no fees or hidden interest.

Users can easily track their earnings by viewing work schedules and calculating income per shift and paycheck, providing transparency and eliminating guesswork.

It also facilitates automatic savings by allowing employees to choose a percentage for automatic deductions from their paychecks.

 

Read more about ONE@Work

The platform also supports budgeting by assisting users in calculating their allowable spending when connected to their bank accounts.

As an employer-supported employee purchase program service, ONE@Work is exclusively available as a company-provided benefit, ensuring that employees can access these valuable features through their workplace.

Paytient

Paytient

Type

Healthcare

Pricing From

$0

Other Perks

Prepaid Card


Tip: Paytient provides an alternative employee purchase program focused on healthcare by giving health payment accounts and reloadable debit cards for financing health-related needs deductible from paychecks.

 

Paytient is a financial wellness platform designed to address the challenges of medical expenses.

It allows users to manage and pay their healthcare bills over time, providing a flexible and affordable solution.

With Paytient, individuals can access interest-free, zero-fee payment plans for medical costs, reducing the financial burden associated with healthcare.

 

Read more about Paytient

The platform integrates with healthcare providers, offering a seamless experience for users to navigate and settle their medical bills.

The option to pay over time contributes to financial well-being and ensures that necessary medical treatments are accessible without causing financial strain.

Giftogram

Giftogram

Type

Gifting

Pricing From

$0

Other Perks

Prepaid Cards Gifts


Tip: Giftogram simplifies employee rewards with personalized digital gift cards, promoting a positive work environment and enhancing engagement within organizations.

 

Giftogram is a comprehensive employee reward and recognition platform that streamlines the process of showing appreciation to team members.

This employee purchase program solution enables businesses to create a positive work culture by offering personalized gift cards as rewards for employee’s hard work and achievements.

With a wide selection of popular retailers and brands, it allows recipients the flexibility to choose rewards that match their preferences.

 

Read more about Giftogram

The platform simplifies the reward-giving process by providing digital gift cards and eliminating the need for physical delivery.

What makes it a good employee purchase program system to use is its varied types of gift cards, including being able to generate and send prepaid card rewards to your employees.

 

Implementing employee purchase programs can be beneficial for both employers and employees.

The company can boost morale, loyalty, and productivity, while employees enjoy discounted, perk rewards or installment-payment access to desired products or services.

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