Case Studies › Wellpay

FinTech & Payments

On-Demand Pay Built for Healthcare's Reality

Wellpay needed a compliant, real-time earned wage access system tailored to the irregular schedules and high turnover endemic to healthcare staffing. Techdots built the full platform — from shift-based accrual engine to ACH disbursement flows — giving healthcare workers same-day access to wages they had already earned. The result was a product that benefits both employers trying to retain staff and workers living paycheck to paycheck.

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Wellpay

FinTech & Payments

72%

of enrolled workers accessed wages within first 30 days

3.1x

increase in employer retention rates reported post-launch

9 weeks

from kickoff to first live payroll integration

14 weeks

timeline

This engagement is best for

Healthcare staffing companies and hospital systems looking to improve workforce retention

Fintech startups building earned wage access or payroll advance products

Employers in hourly-wage industries needing financial wellness as a benefit

Companies navigating multi-state payroll compliance and wage-and-hour law complexity

The Transformation

Before & After

Before

✕ Healthcare employers had no way to offer on-demand pay — workers waited 2-week pay cycles regardless of financial need

✕ High turnover in nursing and allied health roles was costing employers $10K–$30K per replacement hire

✕ Existing payroll vendors had no API surface for real-time accrual data, making EWA integrations nearly impossible

✕ Workers relied on predatory payday lenders between pay periods, eroding morale and financial stability

✕ Compliance exposure was high — no standardized approach to distinguishing EWA from regulated lending across states

After

✓ Workers can access up to 50% of accrued wages any day of the week via mobile app, with funds arriving within hours

✓ Employer partners report measurable reductions in 90-day turnover among enrolled staff cohorts

✓ A modular payroll connector system supports integrations with major healthcare HRIS and timekeeping platforms

✓ Built-in compliance guardrails enforce per-state EWA rules automatically, reducing legal review burden

✓ Financial wellness dashboard surfaces spending insights, savings nudges, and bill pay tools alongside earned wage data

What We Built

Deliverables & Scope

Every item below was chosen because it directly addressed a business bottleneck — not because it was technically interesting.

Shift-based wage accrual engine that calculates real-time earned balances from timekeeping data feeds

Employer admin portal for enrollment management, advance limit configuration, and usage reporting

Worker-facing React Native mobile app with biometric auth, wage dashboard, and one-tap withdrawal flow

ACH and push-to-debit disbursement pipeline with same-day settlement support via Dwolla

Multi-state compliance rules engine enforcing EWA disclosure requirements and per-transaction limits

Webhook-driven payroll reconciliation system that nets EWA advances against payroll runs automatically

ROI Logic

Why This Generated
Real Business Value

Earned wage access reduces turnover by giving financially stressed workers a tangible, immediate benefit — and turnover in healthcare is expensive enough that preventing even a handful of departures per quarter covers the cost of the platform. Wellpay monetizes through employer SaaS fees and optional worker-side instant transfer fees, creating a dual-sided revenue model that scales with headcount rather than transaction volume.

Key Outcomes

72%

of enrolled workers accessed wages within first 30 days

3.1x

increase in employer retention rates reported post-launch

9 weeks

from kickoff to first live payroll integration

Why It Worked

The Decisions That
Made the Difference

Good execution matters. But the right early decisions matter more.

We started with the compliance architecture before writing a single feature, so every disbursement flow was built on a legally sound foundation from day one

Tight integration with timekeeping APIs (not payroll APIs) gave us real-time accrual data rather than approximations, making the product trustworthy for workers

The employer portal was designed for HR generalists, not payroll specialists — minimal configuration, clear reporting, and zero manual reconciliation steps

We shipped a working pilot with a single healthcare employer in week 9, giving the Wellpay team real user feedback before investing in edge-case handling

Tech Stack

React Native

AWS (ECS, RDS, SQS)

Integrations

Dwolla (ACH and push-to-debit disbursements) UKG Pro (timekeeping and shift data) ADP Workforce Now (payroll reconciliation) Plaid (bank account verification) Twilio (SMS notifications and worker alerts)

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