iBaaS Retail Merchant Banking lets businesses onboard themselves, manage employees, and offer earned wage access — all reconciled from one back office.
Businesses self-onboard once, and every employee benefit and loan they offer afterward is visible and reconcilable from the back office.
Login, OTP, and password recovery sit alongside self-service onboarding, so a business owner can stand up an account without a sales visit.
Merchant 360 gives operations a single record of every merchant — profile, employee directory, and lending exposure, in one view.
A complete EWA cycle — set up once per company, then run automatically for every pay period.
A live view of withdrawals, exposure, and repayment health.
Pay cycles, policies, and withdrawal limits per employer.
Onboard, update, and manage the employees eligible for access.
Employees draw earned wages ahead of payday.
Withdrawals reconcile automatically against the next payroll run.
Track and confirm repayment against every withdrawal.
Education financing offered through the employer relationship, with deferred repayment built around the pay cycle.
Vehicle financing extended at the point of employment, with the same repayment infrastructure as EWA.
Conversational support for merchants and their employees.
Configurable alerts across the EWA and lending lifecycle.
Live visibility into withdrawals, repayments, and exposure.