Pay people what they've earned, the day they need it — funded by licensed lenders, run on TNKR.
Product view: Waystar Royco's earned wage access requests. Greg Hirsch has earned ₱11,045.45 from 9 of 11 working days; with a 50% limit he can draw ₱4,522.72 now. His ₱2,000.00 request waits for approval; approving it pays Pierce Capital's advance to his wallet.
Each one gets something it cannot get alone.
Funders lend, we run it. Licensed funders carry the credit. TNKR keeps the ledger and moves the money.
A licensed funder in your market lends each advance.
Every advance, payout and repayment, recorded against its pay cycle.
Advances land in the employee's PayMongo wallet.
TNKR and PayMongo do not lend. Each advance is credit from a licensed funder in your market, repaid by payroll deduction.
Pay on what was earned. Eligibility from attendance and salary. Limits as a share of wage or a fixed cap.
GET /v1/wage_access/eligibility
200 OK · amounts in centavoscurl -G https://api.paymongo.com/v1/wage_access/eligibility \
-u sk_test_••••••••: \
-d employee=emp_4f2a9c1{2 "employee": "emp_4f2a9c",3 "pay_cycle": {4 "start": "2026-10-16",5 "end": "2026-10-31"6 },7 "days_attended": 9,8 "working_days": 11,9 "earned": 1104545,10 "access_limit": {11 "type": "percentage",12 "value": 5013 },14 "withdrawn": 100000,15 "available": 452272,16 "currency": "php"17}Gross pay, times days attended, over working days.
A share of earned pay, or a fixed cap.
Each request waits for the employer, then pays out.
Embed it, don't build it. One integration for HRIS and payroll. Employer approvals and pay-cycle cut-offs.
Attendance and salary flow in from your HRIS.
Requests close before payroll runs.
The funder carries the credit.
| Task | Funder | TNKR | Employer |
|---|---|---|---|
| Lend the advance | Holds the licence and the credit | No role | No role |
| Work out eligibility | Sets the limits | Calculates earned pay | Shares attendance and salary |
| Approve | No role | Routes the request | Approves or declines |
| Pay out | Releases the funds | Moves them to the employee's wallet | No role |
| Repay | Is repaid | Reconciles and returns the deduction | Deducts at payroll |
52–85%
of workers using earned wage access report less financial stress.
International Labour Organization, Earned wage access, April 2025
TNKR supplies the technology; a licensed partner in your market holds the licence and the customer funds.
| Market | Availability | How it runs |
|---|---|---|
| Philippines | Pilot | Funded by a licensed lender, paid out on PayMongo's BSP-licensed e-money rail |
| Singapore | Scoping | With a licensed funder in market |
| Cambodia | Scoping | With a licensed funder in market |
| Indonesia | Scoping | With a licensed funder in market |
What funders, platforms and employers ask before they launch.
Ask us directlyA licensed funder lends the money for every advance on TNKR. Neither TNKR nor PayMongo lends. The funder, a bank, lending company or financing company licensed in its market, carries the credit. TNKR keeps the ledger, pays each advance to the employee's e-wallet and settles repayment at payroll.
TNKR settles every advance at the end of the pay cycle. The employer deducts the amount advanced when payroll runs, and TNKR reconciles the deduction against its ledger and returns it to the funder. TNKR keeps a summary for each pay cycle of what was advanced, what is due and what has been repaid.
TNKR works out what each employee can draw from the attendance and salary in the employer's HRIS or payroll. Earned pay is gross salary multiplied by days attended over working days in the cycle. The programme caps it as a share of earned pay or a fixed amount, and the employer approves each request.
TNKR lets an HRIS or payroll platform offer earned wage access without a balance sheet or a licence. A licensed funder in each market carries the credit, and TNKR runs eligibility, approvals, payout and settlement on PayMongo's BSP-licensed e-money rails. Your platform connects once and puts the programme in front of its employers.
TNKR connects to your HRIS or payroll through one integration. It reads attendance and salary to calculate earned pay, applies your pay-cycle cut-off, and returns the amount to deduct for each employee before payroll runs. Your pay schedule stays the same, and employees receive the rest of their salary on payday.
TNKR gives employers one programme for the salary advances HR now handles case by case. Requests, approvals, payout and payroll deduction run in one place, every advance is on record, and the same rules apply to everyone. In studies reviewed by the International Labour Organization (April 2025), 52 to 85% of workers using earned wage access reported less financial stress.
TNKR pays out earned wage access in the Philippines on PayMongo's BSP-licensed e-money rails. Singapore, Cambodia and Indonesia are in scoping. In each market, a licensed local lender or bank funds the advances and holds the licence, and TNKR supplies the technology. Tell us your market and we will map the funder and licence model with you.
TNKR pays each approved advance to the employee's PayMongo e-wallet. The employee requests part of what they have earned, the employer approves it, and the funder releases the money to the wallet. On payday, the amount advanced is deducted and the rest of the salary arrives as usual.
One employer, one pay cycle. A licensed funder, your HRIS and TNKR go live together.
Talk to an expertNames, employers, lenders and amounts shown on this page are sample data.