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So there are a number of different terms for pay on demand. But there are some other businesses out there offering that kind of functionality to connect to existing traditional payroll solutions. There are some subtle but important differences in what we’re doing and what those solutions do. Our pay on demand solution is baked into our real-time, event-driven payroll solution, we actually know at any given point what an individual employee has earned and we also know what their deductions are. So we actually know exactly what they’ve earned and exactly how much money they have available to them in that moment.

We can pay on demand very accurately and with complete confidence. Because it’s access to a earned pay, it’s not a loan and there’s no impact to credit rating. It is simply access to pay that has already been earned. Other solutions have to make some assumptions around what has been earned and what deductions might be because they don’t have access to the real-time, event-driven nature of the payroll solution.

I’ve also seen some solutions where the pay is provided as credit that’s loaded onto a credit card, and that is actually something that could impact an individual’s credit rating. That’s not the way that the Affinity solution works, which we feel is probably more aligned with our view of the democratisation of pay. So hopefully that gives a little insight in terms of how Affinity Pay on Demand is different to some of the other offerings that you might see in the market.



For over thirty years, Affinity has been a trusted partner for mid-market and enterprise businesses in Australia and New Zealand, empowering them to transform their payroll operations. With a focus on turning payroll from a cost into an asset, we have established ourselves as industry leaders in delivering innovative cloud-based payroll software and exceptional payroll services.