Description 

A leading workforce solutions provider sought to launch an Instant Wage Access (IWA) platform that would allow employees to withdraw earned wages before payday—securely, instantly, and at scale. 

Zapcom architected and delivered a high-performance early payroll platform capable of real-time balance calculation, compliance enforcement, and seamless integration with HRMS, payroll processors, and banking/UPI systems. 

The platform enabled employers to boost retention, reduce financial stress for employees, and strengthen overall workforce satisfaction through responsible and compliant earned wage access. 

Problem Statement

Employers were facing increasing pressure to offer flexible pay options, but their existing payroll systems lacked the ability to calculate wages in real time, enforce compliance controls, or scale to meet growing employee demand. With HRMS systems differing across organizations and payroll data updated only at the end of each cycle, companies needed a modern early payroll solution capable of real-time normalization, secure fund transfer, and high-throughput processing—while meeting strict financial data and security requirements. No real-time calculation of earned wages.

Challenges

• No real-time calculation of earned wages.

  (Payroll systems updated data only at the end of each cycle.)

  
  

•  Multiple HRMS and payroll formats.

  (Each employer provided data in a different structure, requiring normalization.)

  
  

• Strict compliance and risk controls.

  (The platform had to enforce rules around deductions, over-withdrawal, and statutory requirements.)

  
  

• High concurrency & transaction throughput.

  (Employees accessing wages simultaneously—especially during peak times—demanded robust scaling.)

  
  

• Sensitive financial data & security requirements.

  (Banking-grade encryption and end-to-end auditability were mandatory.)