Paycheck advance

Access your payday now. Meet Paycheck Advance.

Access part of your next payment instantly. Safe, simple, and deposited directly into your Ontop Global Account.

Paycheck Advance Access →

Your money, when you need it.

Paycheck Advance gives you the flexibility to access what you’ve already earned, without waiting for payday.

Instant access

Funds in minutes, directly to your Ontop Global Account.

Zero paperwork

Everything happens directly in-app.

Transparent fees

You see exactly what you pay upfront.

Safe & direct

No banks, no middlemen, fully secure.

On your terms

Use Paycheck Advance only when you really need it.

Automatic Repayment

Use Paycheck Advance only when you need it.
Active Paycheck Advance →  
How it works

From eligibility to payout, in 5 simple steps.

Five steps. Minutes to set up. Lifetime of growth.

Check eligibility

You’ll see Paycheck Advance in your Ontop Global Account if you’re eligible.

See your available amount

We calculate it automatically based on days worked since last payment.

Make your request

Choose your amount, review fees, confirm.

Get the funds instantly

Deposited into your Ontop Global Account in minutes.

Automatic repayment

Next payday, we deduct your advance + fee, you receive the rest.
How Paycheck Advance works for you.

Laura’s monthly pay: $900, with payday on the 30th. On the 15th (after 15 days of work), Ontop calculates:

$900 ÷ 30 × 15 = $450 available.

Laura requests $300. She receives $300 instantly. On payday, Ontop deducts $300 + service fee, then credits the remainder. Simple.

See If You’re Eligible →

Frequently asked questions

What is Ontop Paycheck advance?
A feature that lets you access part of your upcoming pay ahead of payday. Instantly, through your Ontop Global Account.
Who can use it?
Paycheck Advance is available to eligible Ontop users. If you don’t see it in your Ontop Global Account yet, availability may still be expanding.
How much can I request?
Depends on how many days you’ve worked since your last payment; Ontop calculates it automatically for you.
Are there any fees?
Yes, a small service fee applies. It will always be shown before you confirm your request.
When is repayment?
At your next scheduled payment, Ontop deducts your advance + fee, then credits the rest.
Can I use Paycheck advance multiple times?
Yes. Any applicable fee is shown before you confirm your request.
Is my money safe?
Absolutely. All transactions are processed through Ontop’s secure, regulated infrastructure.
Why don’t I see Paycheck advance yet?
Paycheck advance is rolling out in phases. Keep your app updated and we’ll notify you when it’s available.

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