How On-Demand Pay works with your payroll

A short guide for payroll and finance teams: what we need from you, what your employees see, and how everything reconciles on payday without any extra work.

Four financial wellbeing tools, in one app

The Level FT app gives your employees practical ways to manage their money, all in one place.

On-Demand Pay

Gives your employees access to a portion of the pay they’ve already earned, before payday.

Payroll Savings

Lets your employees set aside a regular amount automatically, straight from their pay.

Budgeting

Tracks spending across all their accounts in one place, and shows how much they have left to spend until payday.

Ask AI

Our financial helper gives your employees 24/7 help with their financial questions, like “Why has my tax code changed?”

From set-up to payday

  1. We take what we need from your existing systems

    Everything comes from your workforce management (WFM) or payroll system, so there’s nothing to re-key.

    To register users for the app

    • Name
    • Employee ID (normally their email address)

    To use a service

    • Bank details
    • Earnings data: fixed salary amount, or hours worked and pay rate

    Note: exact data pulled will vary slightly by integration.

  2. Employees get their login details

    When we register your employees, each one is sent their unique login details by SMS or email, and they can log in straight away.

  3. They request access and give consent

    As each employee logs in, they can choose to request access to a service and give consent. The request is automatically approved by the system within 24 hours, and a push notification tells them they’re approved. Their splitting account details then go into your WFM or payroll system.

  4. Level FT funds every withdrawal

    When an employee makes an On-Demand Pay withdrawal, Level FT funds it. Withdrawals are paid straight to their bank account, with nothing needed from you and no impact on your cash flow.

  5. Everything reconciles on payday

    You run payroll exactly as you do now: it’s just a change of beneficiary. Each employee’s net pay goes into their own splitting account, an e-money account in your company’s name provided by our FCA-regulated partner, Modulr. The splitting account recoups any deductions and forwards the employee’s final pay on to them.

What happens on payday

Here’s one employee’s payday. Earlier in the month they withdrew £100 with a £1.95 fee, and they’ve set up £50 a month in Payroll Savings.

One employee’s payday

Example figures

Your payroll

Run as normal. Net pay is sent by BACS.

Back to Level FT£100 withdrawn + £1.95 fee
£101.95
To Payroll SavingsSet aside this month
£50.00
To their bank accountThe rest of their salary
£1,648.05

£101.95 + £50 + £1,648.05 = £1,800. Every penny accounted for.

Payroll never sits with a third party.
No one notices a delay in getting paid.
No manual deductions: it’s just a change of beneficiary.

When someone leaves

We pick up the leaver from your WFM, HR or payroll system.

Their On-Demand Pay is frozen automatically.

Their account is set for deletion.

Fully automated

Once you’re set up, there’s nothing extra for your payroll team to do.

  • Employee onboarding
  • Daily earnings updates
  • Deductions on payday
  • Employee offboarding
Talk to our team