PayHammer is your all-in-one digital bank and earned wage access platform. We let you tap into your hard-earned money before payday, skip the wait, and manage your finances with zero hassle. Think of it as payday power, on demand.
Simple. You’ve already worked for it—so why wait? PayHammer lets you unlock part of your paycheck early. On payday, the amount you accessed is automatically settled. No loans. No credit checks. Just your money, faster.
Most people can unlock up to 50% of their earned wage. The exact amount depends on your employer’s setup.
No surprises, no hidden fees. We charge a small flat service fee per transaction—often less than your coffee run. Many employers even cover the cost for you.
Lightning fast. If you use your PayHammer account, funds are instant. Sending to another bank? Usually 1–å2 business days.
Nope. PayHammer is not a loan. We don’t run credit checks, and using it won’t touch your credit score.
Not required, but highly recommended. With direct deposit to PayHammer, you’ll unlock your wages instantly and get early access to payday perks.
Because employees love it. Offering earned wage access is proven to boost morale, reduce turnover, and attract top talent. Happier employees = stronger business.
Not at all. PayHammer integrates directly with your payroll and time-tracking systems. No manual work. No extra headaches.
100%. We partner with FDIC-insured banks and use bank-grade encryption to keep your funds and data secure. Safety is non-negotiable.
Absolutely. PayHammer follows all federal and state guidelines for wage access and digital banking. Transparency and compliance are part of our DNA.
Everything. Direct deposit, instant transfers, bill pay, savings tools, and a sleek PayHammer debit card you can use anywhere major cards are accepted.
Nope. We don’t believe in punishing you for using your money. If you don’t have it, the transaction just doesn’t go through. Simple.
Yes! Your PayHammer account goes where you go. If your new employer partners with us, you’ll still enjoy early wage access too.
We’re here 24/7. Hit us up via in-app chat, email us at [support@payhammer.com], or call our support line. Real humans, real fast.
