What happens on payday now that I'm with DailyPay?

Good news - you’ll still be paid on your normal payday in the account that you choose. You might notice a few small changes, though.

DailyPay works in partnership with your employer so you can get your pay early if you want to. Once you join DailyPay, we will deposit your paycheque to your primary debit card on behalf of your employer. That’s why we ask you to nominate a debit card to receive your paycheque when you sign up for DailyPay.

You are still being paid by your employer! DailyPay only deposits your paycheque.

On payday we will deposit your paycheque to the primary debit card you set in the DailyPay app. If you see “Peoples Trust Company” in your bank statement, that’s still DailyPay! (They’re our payment providers.) Some banks use the payment provider’s name to reference your paycheque deposit. We wish they didn’t, but it’s nothing to worry about.

What will be in my paycheque?

You’ll be paid whatever you have earned in the pay period but didn’t transfer early with DailyPay (and after any DailyPay fees and taxes or other deductions).

The amount you get in your paycheque on payday is calculated like this:

Everything you earned in the pay period

− Tax and deductions (if applicable. They’re managed by your employer)

− DailyPay transfers and fees (if applicable)

Are Available earnings the amount I’ll get in my paycheque?

No. What you see as available earnings in DailyPay is the portion of your earnings that you can transfer before payday if you want to.

For example, at first you might see half of your earnings as Available in the DailyPay app. You can get all of that before payday if you choose. DailyPay will deposit the rest of your net pay (after early transfers, any early transfer fees, and any taxes and deductions) into your primary debit card on payday.

You won’t be able to get all your earnings early with DailyPay. It’s likely to be around half of what you earn, especially in the first few weeks. That’s intentional and is just to make sure that everything works the way it should in the early months.

Troubleshooting

Any pay you transfer early with DailyPay is taken out of your paycheque. So, if you see less in your paycheque than you normally get, check to see how much you transferred early (including any DailyPay fees).

Did you know that you have a no-fee option available? Next business day transfers don’t cost a fee if you can wait an extra day. 

If you haven’t made any transfers and your pay is still less than you expect, check your paystub from your employer. Did you work the same number of hours, and is your hourly rate the same? Have all your shifts been reported correctly? Talk to your employer if there are discrepancies.

Look at the Payday tab in the DailyPay app to see what shifts are included in your paycheque, and if it matches what is in your paystub from your employer.

How to get help

Your first payday with DailyPay can work a little differently than what you’re used to. Fortunately, there are lots of articles in this help centre to get you through! Look at the suggested articles on the right to discover more information.

And as always, our Customer Support team is here to help you if you get stuck.