Concepts

What is Continuous Pay Access?

Continuous Pay Access (formerly called Rolling Balance) allows a user to access earnings for a pay period that has already ended but has not yet been paid.

Consider the following definitions:

• current pay period - a pay period that has started but not yet ended
• unsettled pay period - a pay period that has ended but has not yet had a payday
• settled pay period - a pay period whose payday is today or prior

While a pay period is unsettled, the employee has a percentage of their paycheck available for transfer ahead of payday. Once settled, any pay that was not transferred ahead of payday is deposited into an employee’s bank account and no longer available as Earned Wages.

Earned Wage Access (EWA) is designed to maximize the available balance for each employee. The employee must have access to earnings from both the current and the unsettled pay period as both represent wages the employee has already earned.

This is where the concept of continuous pay access comes into play. If continuous pay access is not enabled at a client, a user will not be able to access their earned wages between pay period end date and payday.

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Continuous Pay Access Example

In this example, we have overlapping pay periods in July (7):

• Continuous Pay Access Starts on 7/14 as Pay Period 1 Ends and Pay Period 2 Begins.
• Continuous Pay Access Ends on 7/20 as Pay Period 1 has settled, and only Pay Period 2 funds are now available for transfer.

Transfer Logic

Transfers follow the "First In, First Out" logic. As such, transfers will be tied to Pay Period 1 until the earnings from Pay Period 1 have been exhausted.

If earnings from Pay Period 1 are exhausted, transfers will be tied to Pay Period 2. This is determined by taking each pay period’s payday and sorting them in an ascending order.

• With continuous pay access enabled, it is possible within Pay Period 2 to make a transfer that exclusively draws upon earnings from the unsettled Pay Period 1.

• Continuous pay access also enables transfers spanning two pay periods. If a requested transfer amount exceeds what is available from Pay Period 1, the earnings to satisfy the transfer will span both pay periods. In effect, the user will be accessing earnings from both pay periods simultaneously with one transfer.

Extend API Transfer Example

The image below is an example transfer accessing earnings from both pay periods simultaneously with one transfer.

• A user has two paychecks, Paycheck 1 and Paycheck 2 throughout two pay periods.
• The user's first paycheck represents $100.00 of earnings, and the second paycheck represents $120.00 of earnings.
• During the Continuous Pay Access Window, the user will have a total of $222.00 earned wages across two paychecks.
• Assuming a 50% transfer rate, the user will have an Available Balance of $110.00 during the continuous pay access window.

The following tables explain the potential user statuses and details from the Extend API.

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User Authorized

This table describes the potential user statuses for /v1/users/{user_id}. A valid client authorization token is required; see the API Specification for more information.

status	Description	Can Register With DailyPay	Can Request Transfers
NOT_FOUND	There is no record of this user at DailyPay.
ACTIVE	The user has accepted terms of use for DailyPay and has enrolled with an employer.		Yes
ELIGIBLE	The user is eligible to request transfers but may have been terminated or opted-out of DailyPay.	Yes
INELIGIBLE	A user exists but is not eligible to register or request transfers with DailyPay.

This Table describes an expanded set of user status details from the /v1/users/{user_id}/balance_details. A valid user-authorized token is required, please see the API Specification for more information.

detailed_user_status	Description	Can Make Transfers
Pending	A user account that was initiated by an employer uploading their users. A user remains in Pending until account setup is completed.
Active	A user with a completed account setup. The user has accepted terms of use for DailyPay and has enrolled with an employer. A user can be active without taking transfers.	Yes
Review	A user account that requires action by DailyPay. Please have the user reach out to DailyPay Support.
Canceling	First of two “cancel” statuses. A user remains in Canceling until Payday and their available balance is $0.00. A user can be in canceling status because they were terminated or no longer wish to use DailyPay.
Canceled	A user that was canceling and is their pay period has settled. The user's balance is $0.00 and there are no pending payments.
Delinquent	A user that has a failed debit and recoverable write_off in place.
Banned	A user that is blocked from using DailyPay.

This table describes how user_status and detailed_user_status correlate.

user_status	Description	Can Register With DailyPay	Can Request Transfers
NOT_FOUND	There is no record of this user at DailyPay.
ACTIVE	The user has accepted terms of use for DailyPay and has enrolled with an employer.	Yes	Yes
ELIGIBLE	The user is eligible to request transfers but may have been terminated or opted-out of DailyPay.	Yes
INELIGIBLE	A user exists but is not eligible to register or request transfers with DailyPay.