For most people, being able to access their earnings at any time in the month is a liberating experience that delivers more financial flexibility. However for some people it can take some time to get used to this new way of being paid. 

Openwage is a responsible on-demand pay provider committed to promoting financial wellbeing. That’s why we also monitor for financial behaviours that could indicate you’re going off track with your finances. 

If our systems notice some potentially harmful spending or borrowing patterns after you access your on-demand pay, we’ll get in touch with you. This means we can prevent emerging issues from becoming more serious. 

We monitor for three main harmful spending and borrowing patterns:

  1. Increase in non-essential spending shortly after accessing on-demand pay

  2. Increased spend on gambling shortly after accessing on-demand pay

  3. Increased use of high-cost short term loans or payday loans shortly after accessing on-demand pay

To help you get back on track, we’ll provide tips and guidance on how to use your on-demand pay more responsibly. We’ll also provide details of third-party organisations that can provide free and more in-depth help and support, if you need it.