Early Payroll Payouts
Instapaid App
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Early Payroll Payouts
FINTECH INNOVATION
Enabling Instant Wage Access for Employees Through a Scalable Early Payroll Platform
Problem Statement
“Fintech startups aimed to improve employee satisfaction by offering early access to earned wages—requiring seamless integrations with payroll, ID systems, and banking infrastructure for real-time payouts.”
- Required integrations with varied payroll and banking systems
- Onboarding complexity with multiple ID providers (Azure AD, Google Workspace, etc.)
- Need for fast and secure fund transfers to employee accounts
Business Outcomes
28%
Boost in employee satisfaction with real-time wage access
20%
Profitability improvement through automation and self-service tools
Solutions
- Built a hybrid mobile app with native deployments for iOS and Android
- Developed a web portal for employees to manage balances, view history, and initiate withdrawals
- Used a serverless cloud-native architecture for rapid deployment, scalability, and cost efficiency
- Integrated with payroll and payout systems to enable instant fund transfer
- Created an admin dashboard for employers to brand the app, review requests, and manage approvals
Technological Framework
Frontend & Mobile:
- React Native
- React JS
Cloud & Backend:
- Azure Functions
- Azure SQL Server
- Pulumi (Infrastructure as Code)
- Azure CDN / Blob Storage
- App Insights
Integrations & Communication:
- Azure AD
- SendGrid