Orka Pay is an Earned Wage Access technology that allows your employees to access up to 50% of the wages they have earned. Orka Pay was created as a safe and reliable way for employees to access money once they've earned it. As opposed to payday loans, credit cards, and overdrafts.

With Orka Pay there are no hidden fees, no small print, and most importantly, no nasty surprises.

Many HR and payroll departments still use manual processes or transfers to give advances to wages. With Orka Pay this process is automatic, it's done privately and no paperwork or approval is needed. There are an estimated 25 million employees in the UK that are affected by money worries at work. Orka Pay acts as a cushion. It reduced anxiety around money at work, increases retention and happiness within your workplace.

To give your employees access to Orka Pay, you need to be onboarded with us first. This process tends to be quick and easy, and includes things like:

For this process, and generally, as an Orka Pay company, you will have a dedicated Account Manager to help you at every stage of this process or if you have any further questions down the line.

Orka Pay is easy to use and you don't need any special skills in order to be able to use it. The Orka Pay client portal is simple, straightforward, and helpful.

Should you need help or have any questions, your Account Manager will be on hand to help you.

The onboarding process with Orka Pay is quick and easy.

Let’s start with the commercial part of onboarding, which often follows a free, private non-commital demo.

After this process is complete, we want to focus on launching Orka Pay to your staff – and telling the world about our partnership.

To start this process, our marketing team will get in touch with you to plan a public launch of Orka Pay, supplying you with digital and physical material to support the launch and employee uptake and also outlining resources and tutorials to get your staff started on Orka Pay.

Onboarding, activation and launch normally takes between 5 – 10 days, but for some companies with more complex structures, it can take longer.

If a member of staff leaves, you are not at risk, as Orka Pay will only give them access to shifts you’re already approved.

For clients with Workforce Management System integrations, you can deactivate your member of staff on your system as usual.

This will automatically pull through to Orka Pay. As a backup, even if they’re not deactivated in your systems, shifts will not be getting worked and recorded, so their Orka Pay balance will have £0 available.

For Portal Upload clients, remove the employee from the CSV sheets used when uploading onto the Orka Pay Portal. As long as you’re not uploading income for them, we will not be adding to their Orka Pay account.

This will be automatically emailed at your payroll cutoff date, which is pre-programmed into the system. The net deductions report will be redistributed with our subsequent invoices.

Our interest fee is VAT exempt under current VAT legislation.

We provide the deduction report as a CSV with your pre-defined unique identifier. The unique identifier will enable you to map our CSV into your payroll software. Our deductions should be treated as net pay deductions after PAYE, NI, pensions and other statutory deductions.

If you have any questions around this, your Account Manager will be at hand to help you process the report correctly. In the future, we’re looking to automate this process.

Some customers do not use a Workforce Management System that is fully integrated with Orka Pay. If that’s the case for you, your company can use our Upload Portal to provide the benefit to employees. By simply uploading a CSV export once a week, all your employees will see their up-to-date balance in their app and be able to withdraw at their convenience.

You should do an upload once a week, but you can do this more frequently depending on employee demands.

Your Account Manager will support you and show you how to do a Portal Upload, an dyou can also find simple instructions here.

Orka Pay charges a transaction fee when employees withdraw from the app. The first £50 pounds drawn per month for every user is free. Please refer to your commercial terms or speak to one of our team for more details.

Yes. You don’t need any special skills or equipment to use it. If you are an existing company and have thoughts on how we could improve the products, you’re welcome to leave feedback.

Please refer to our GDPR policy here and our T&Cs here for more information on this.

Our Community team regularly monitor user activity for any key red flags. This is done confidentially to protect user interest and cannot be shared with employers to maintain GDPR and user privacy.

Our community team look for the following signs:

Our Community Team are on hand to support your employees and proactively reach out to anyone who we feel may be at risk. We are currently in the process of developing more resources and onboarding material that will support and raise awareness about financial health.

For now, you can orientate your staff on responsible use through this blog. You can also find resources and help with supporting financial well-being for employers here.

Yes. Please let us know if this is something you would like more information about.

The minimum withdrawal amount for users is £50. Withdrawals of £50 are also fee-free. The maximum withdrawal is the employee’s approved available balance.

Our Community team regularly monitor user activity for any key red flags. This is done confidentially to protect user interest and cannot be shared with employers to maintain GDPR and user privacy.

Our community team look for the following signs:

We are currently in the process of developing more resources and onboarding material that will support and raise awareness about financial health. You can check this blog outlining responsible use and resources for people who may be struggling financially.

They would lose Orka Pay if you changed WFM systems without notifying us. But if you are looking to change, please keep us in the loop as we could potentially provide it through the new WFM system you choose, or even move to our Portal Upload function.

At the payroll cut-off date.

Yes. Please let us know if this is something you would like more information about by getting in touch with the team.

At Orka Pay, we have a dedicated Account Manager to give clients the best possible experience. Your Account Manager will be introduced during the sales and onboarding process and will be there to guide you through the entire process.

After you are onboarded as a client, your Account Manager will be in regular contact to check everything is running smoothly from your side and to hear feedback from you and your team.

Currently, you can’t.

But, we are looking to develop this very soon. Should you need to know this, contact your Account Manager, and they can give an overview of the total withdrawn.

The Orka Technology Group development team team is committed to the highest standards of cybersecurity for their product. Annual penetration testing across our product suite, as an absolute minimum, is performed to CHECK standards, and any issues discovered are given the highest priority in our backlog.

Two-factor authentication is enabled by default as an extra layer of protection used to ensure the security of online accounts beyond just a username and password. All products are hosted in Google Cloud Platform (GCP), where we take advantage of the secure-by-design infrastructure and built-in protection.

All data is encrypted at rest and in transit, and all GCP infrastructure builds security through progressive layers that deliver true defence in depth. Moreover, for all of our office infrastructure, we use Boundary firewalls and Internet gateways, Secure configuration, User access control, Malware protection, and Patch management.

Once an employee has an approved withdrawal request, the money is transferred to them through our payments provider. Monies are initially loaned to your Employer's Client Account and then advanced automatically to your employee’s bank account.

This will be available within seconds, if not immediately. There is no delay.

Correct. Any employee who does not withdraw through Orka Pay will not have a deduction at the end of the payroll period.

The Orka Pay process is built in the most efficient way possible, meaning we provide you with the technology and credit facility to offer this benefit to your team.

Not at all. Your employees are not taking a loan; they are simply accessing a portion of the pay they’ve already earned. As such, there is no impact on their credit score, and there is no credit search made against them.

No. We make “soft” searches against the beneficial owners of your company, which do not leave a lasting impression on your credit file.

No, it’s not a loan. It’s classed as an advance. The employee is withdrawing only from monies that have been earned and approved by you, their employer. Therefore, the request they make is an advance on their salary, with no credit or loan taken.

At the end of the payroll period, once the deductions are locked, all deductions and transaction fees are calculated and sent to you for payroll processing. These will be collected by Direct Debit on or around your payroll payment date.

If you have any questions about this whatsoever, get in touch with your Account Manager.

Yes, we invoice for transactions. Each company has their own accounting policy. However, we recommend our invoice be processed through your Balance Sheet and deducted from your Wages Payable account code.

If you have any questions about this, your Account Manager will be on hand to help.

Orka Pay has been designed to have as little cash flow impact on clients as possible. The Direct Debit ensures that your salary payments are settled on time and that we can also replenish your pot balance for the cycle ahead.

We are currently not integrated into payroll systems. However, it is on our Road Map!

Our agreement can be terminated should we receive 90 days' notice in writing. If you are unhappy with our service, we would, of course, like to try and resolve the issues you’ve been having before cancellation. Get in touch with your Account Manager or email info@orka.pay.co.uk, and we will be more than happy to help you.

We regularly monitor Bank of England interest rates and will be in touch in advance of making any changes. Whilst we can’t guarantee the rates on our transaction fees won’t change, we can assure you we will do our best to keep them as low as possible!

Yes. Please speak to your Account Manager if you require further training. We also have some tutorials and resources in this blog.

Once you’ve gone through the commercial onboarding process, our Marketing team will be in touch about the actual launch of Orka Pay. Not only will they supply digital and physical assets needed to launch Orka Pay to your employees, but they will also want to shout about collaborating with you across social media in a mini-launch campaign.

On the agreed launch date, Orka Pay will also reach out to employees with everything they need to download and get started on the app.