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Frequently Asked Questions

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To qualify for a Wagepay wage advance, you need to meet the following requirements:

  • You must be 18 years old
  • You must live and work in Canada
  • You must be employed and receive a regular, consistent income from your employer, of at least $500 per week
  • You must leave enough of your income each pay cycle in your account to be able to repay an advance
  • You must have a generally good banking history, which we determine using your Wagepay score

If you are receiving benefits, you can apply, as long as you are also being paid a wage and meet the other qualification requirements.

Please note we are currently only servicing British Columbia and Ontario residents. However, more provinces are coming soon!

We may increase your advance limit, at our discretion, when you reapply from time to time and when you have demonstrated you can manage your finances well.

Please note your advance limit is not permanent, so please continue the good work and practice sound financial management.

To postpone or move your repayment date, follow the instructions below.

  1. Navigate to the ‘Wage Advance’ section of the app or web portal
  2. Under the heading ‘Advance History’, you will see all of your wage advances. Click on the wage advance you wish to update to expand down the options for it
  3. Select ‘Postpone Next Payment’
  4. Then select the new date you want the payment to come out, and hit ‘Apply’

​Please note this is only available once per advance, and we will not approve any further moved payments. Frequent use of this feature may also reduce your advance limit over time.

You can repay your advance at any time using the repayment methods available in the web portal. Once your wage advance has been repaid, you can make a new wage advance request straight away.

Please be aware that we will do a quick check before each advance to make sure it is suitable for you.

There are occasions where your wage advance request can be declined. We build a score based on your bank statement history to make sure each advance is suitable for you. Some common decline reasons are:

  • Inconsistencies with your wage (your last pay was missing or reduced, we can not identify your income, your average pay is too small, you only receive benefits, etc.)
  • Payment history (inconsistent repayment history with Wagepay, direct debit dishonors, missed loan payments, etc.)
  • High-risk behavior (overdrawing your account, large cash withdrawals, not leaving sufficient funds in your account for your repayments, etc.)

The score is updated frequently, so if you have been declined this time, you can always reapply after 7 days and we can reassess your advance limit.

 

Wagepay is a game-changing new service that was designed to revolutionise the way everyday Canadians in eligible provinces access and manage their pay, by giving them real-time access to their wages and other add-on services, without the requirement to involve their employer. 

To access our services, please download our app from the Apple or Google Play stores.

If you only have a computer, you can also use our web portal on our website. Wagepay is 100% online, so we don’t have any physical stores.

To create an account, you will need the following information:

  • Your personal details, such as name, date of birth, and address
  • Your mobile number
  • Your email address
  • Your basic income and expense information
  • Your Social Insurance Number

Before you can request your first wage advance, you will also need to connect your bank feed.

Yes. Wagepay is a secure service that follows the same security and encryption standards as banks and ensures that security best practices are always being followed. Transactions are protected with 256-bit Secure Socket Layer encryption. Our website is certified with a Web Server Certificate.

To qualify for a Wagepay wage advance, you need to meet the following requirements:

  • You must be 18 years old
  • You must live and work in Canada
  • You must be employed and receive a regular, consistent income from your employer, of at least $500 per week
  • You must leave enough of your income each pay cycle in your account to be able to repay an advance
  • You must have a generally good banking history, which we determine using your Wagepay score

If you are receiving benefits, you can apply, as long as you are also being paid a wage and meet the other qualification requirements.

Please note we are currently only servicing British Columbia and Ontario residents. However, more provinces are coming soon!

$500 per week is the minimum amount that we need to see being paid regularly from your employer into your bank account.

Please be aware, we can only review one bank, so if your income is split into two different banks, the second one can not be included.

Yes. If you are receiving benefits, you can apply, as long as you are also being paid a wage and meet the other qualification requirements. This means that we need to also see that you are earning at least $500 per week in your bank account from an employer.

You will be given an advance limit, which is an estimation of how much you can draw down at any one time when you create an account. The maximum wage advance limit for new customers is 25% of your pay, and can be even more for return customers, to a maximum of $1500.  Your exact advance limit will be determined when you make an advance request. 

You can then make a withdrawal from your advance limit, however please note, you can only have one advance at a time and the minimum amount you can withdraw per advance is $100.

We can only advance a portion of your wage, rather than all of it, as our product is designed to be responsible and fair. It’s an advance of part of your wage that we believe you will be able to repay on your next payday.

We may increase your advance limit, at our discretion, when you reapply from time to time and when you have demonstrated you can manage your finances well.

Please note your advance limit is not permanent, so please continue the good work and practice sound financial management.

It takes about 3 minutes from start to finish to create your Wagepay account on average.

If we have recent bank feed data for you, your advance will be instant when you request it. If we need to update your bank feed, this may take an extra couple of minutes, depending on your bank. 

You can only have one advance at a time. Please be aware there is a minimum drawdown amount of $100.

Yes. You can pay your advance early by using any of the options below.

  • Direct debit, by contacting our support team to take the payment early.
  • Online transfer to our bank account details, found on your Account Statement, which can be accessed at any time in the app or web portal

You can repay your advance at any time using the repayment methods available in the app or web portal. Once your payment has cleared, you can make a new wage advance request straight away.

Please be aware that we will do a quick check before each advance to make sure it is suitable for you.

No. At Wagepay, we do not do credit checks with Equifax or TransUnion as a part of our sign-up or wage advance process. We complete our assessment using your bank account transaction history.

No. We do not involve your employer in our process in any way shape or form. 

Most customers won’t need to provide paper identification documents as we will electronically identify you. Besides your personal details, we generally need you to have your driver’s license number when you create your account. 

If we are unable to identify you electronically, we may request copies of your identification documents before you can drawdown your first advance.

Once you’ve accepted your drawdown, we will release your funds to your bank straight away using our real-time Interac payments. If this is not available, we will transfer your funds using standard electronic funds transfers. 

No. We only deposit the funds into the account where your wage goes.

If you have not received your SMS security code, there are a few things you should do:

  • Check that your phone has service
  • Restart your phone and the Wagepay app or web portal
  • Check you have entered your correct phone number into the application (if you are creating a new account)
  • Check you have not blocked our mobile number in your phone’s settings

If you are still having issues, we would recommend you try again later and contact customer support for assistance.

There are occasions where your wage advance request can be declined. We build a bank statement score based on your bank statement history to make sure each advance is suitable for you. Some common decline reasons are:

  • Inconsistencies with your wage (your last pay was missing or reduced, we can not identify your income, your average pay is too small, you only receive benefits, etc.)
  • Payment history (inconsistent repayment history with Wagepay, direct debit dishonors, missed loan payments, etc.)
  • High-risk behavior (overdrawing your account, large cash withdrawals, not leaving sufficient funds in your account for your repayments, etc.)

The bank score is updated frequently, so if you have been declined this time, you can always reapply after 7 days and we can reassess your advance limit. Being declined for an advance will also not impact your credit score with the credit reporting bureaus.

There are occasions where your wage advance can be declined, even when you are an existing customer. For each advance request, we will refresh your Bank Score to assess some key score factors to make sure a new wage advance is suitable. If there has been any change to these factors, this can result in your request being declined.

Your bank score is updated frequently, so if you have been declined this time, you can always refresh your limit after 7 days and see if you pass our criteria.

Your score is updated frequently, so if you have been declined this time, you can always refresh your limit after 7 days. Although, we generally need to see two wage payments deposited into your new account and these must be consistent. If you have changed your bank, you will also need to update your bank feed in the web portal so we can see these wage payments, if you haven’t already. 

Digital bank feeds allow us to access read-only copies of your bank transactions at lightning-fast speeds so we can offer our different services. We always utilise the latest technology to offer you the best service that we can. 

Some banks may not appear in our list of supported financial institutions. If your bank does not show up on the list, we are unable to provide you with our services at this time.

Our bank feed connection process takes around 3 to 4 minutes on average, however unfortunately sometimes it does take a bit longer. If you have been waiting for more than 6 minutes, please try again half an hour later.

You should submit the account where your employed wages are going into. The minimum income you need to receive in your bank account on a weekly basis is $500, which is equivalent to $2,000 every month. It is critical that we can see this income going into a bank account.

No. We currently only support one Wagepay account to be linked to each bank feed.

You typically need to pay back on your next payday. If your payday is very close to the date you take out your wage advance, then at our discretion, we may use the subsequent payday instead.

You can move your repayment once for each advance. 

Please be aware customer support will not be able to approve additional moved payments without supporting information, and frequent use of these features will also reduce your advance limit over time.

To postpone or move your repayment date, follow the instructions below.

  1. Navigate to the ‘Wage Advance’ section of the app or web portal
  2. Under the heading ‘Advance History’, you will see all of your wage advances. Click on the wage advance you wish to update to expand down the options for it
  3. Select ‘Postpone Next Payment’
  4. Then select the new date you want the payment to come out, and hit ‘Apply’
​Please note this is only available once per advance, and we will not approve any further moved payments. Frequent use of this feature may also reduce your advance limit over time.

You can update your direct debit bank account within Payment Details under your Profiles Section. Please note if there was a direct debit already processing while it was updated, then the newly nominated direct debit account will only be used at the subsequent direct debit run.

When you miss a payment, your account will be in arrears, and you will need to make up the payment as soon as possible to avoid any difficulty in accessing the service again. You may do so either by doing a bank transfer or by getting in touch with our customer service team to arrange payment. If your account is in arrears for an extended period, then the collection process may start.

If you are experiencing financial hardship and you have already used the postpone feature, please contact our customer support team from the web portal. They will be able to discuss your situation with you.

Wagepay charges a maximum 8% flat fee and 24% interest per annum* for its wage advance product. You can use our repayment calculator on the homepage of our website to calculate your repayments. You can also see worked examples of repayments in our website footer. 

Wagepay also has a feature coming soon to reward our top customers with tiered pricing and lower rates. 

No. There are no hidden fees for our product, and all fees and charges will be clearly shown in your contract.

No. We do not charge a direct debit fee.

No. We do not charge a late fee or NSF fee.

Please note however that your bank may charge a fee, so it’s best to contact them to confirm this.

No. We do not charge additional fees when you use your bank card to repay. However, at this stage, we only take Visa or Mastercard payments.

You can log into your account 24/7 through the mobile app or web portal, once you’ve signed up as a Wagepay client.

You can access a copy of your account statement via the mobile app or web portal at any time by following the instructions below:
  1. From the home screen, select ‘Advances’
  2. Then the ‘Statement’ button next to ‘Advance History’

You can log into the mobile app or web portal to update your details, such as phone number and email address. To do this simply follow the instructions below.

  1. Go to the ‘My Profile’ section
  2. Then select ‘Settings’

You don’t have to update your income if this increases or decreases as we will always update this each time we refresh your advance limit.

You can reset your username or password through the mobile app or web portal.

Please get in touch with our customer service team and one of our friendly service representatives will assist you where they can. The best way to contact us is by using the contact us form inside the web portal. This is found under your profile options.

For basic inquiries and support you can call Wayne, our AI Assistant, at 1-647-477-8377.

For more specific customer support, you can contact our support team inside the mobile app or web portal. This is found under your profile options.

You can also email us at support.ca@wagepay.com, however, please be aware responses via email will be slower than contacting us via the web portal.

Yes! You are welcome to call Wayne, our AI Assistant, at 1-647-477-8377. Wayne is available to assist you with basic inquiries or support you may need.

You can also contact our customer support team through the mobile app or web portal.

To qualify for a Wagepay wage advance, you need to meet the following requirements:

  • You must be 18 years old
  • You must live and work in Canada
  • You must be employed and receive a regular, consistent income from your employer, of at least $500 per week
  • You must leave enough of your income each pay cycle in your account to be able to repay an advance
  • You must have a generally good banking history, which we determine using your Wagepay score

If you are receiving benefits, you can apply, as long as you are also being paid a wage and meet the other qualification requirements.

Please note we are currently only servicing British Columbia and Ontario residents. However, more provinces are coming soon!

We may increase your advance limit, at our discretion, when you reapply from time to time and when you have demonstrated you can manage your finances well.

Please note your advance limit is not permanent, so please continue the good work and practice sound financial management.

To postpone or move your repayment date, follow the instructions below.

  1. Navigate to the ‘Wage Advance’ section of the app or web portal
  2. Under the heading ‘Advance History’, you will see all of your wage advances. Click on the wage advance you wish to update to expand down the options for it
  3. Select ‘Postpone Next Payment’
  4. Then select the new date you want the payment to come out, and hit ‘Apply’

​Please note this is only available once per advance, and we will not approve any further moved payments. Frequent use of this feature may also reduce your advance limit over time.

You can repay your advance at any time using the repayment methods available in the web portal. Once your wage advance has been repaid, you can make a new wage advance request straight away.

Please be aware that we will do a quick check before each advance to make sure it is suitable for you.

There are occasions where your wage advance request can be declined. We build a score based on your bank statement history to make sure each advance is suitable for you. Some common decline reasons are:

  • Inconsistencies with your wage (your last pay was missing or reduced, we can not identify your income, your average pay is too small, you only receive benefits, etc.)
  • Payment history (inconsistent repayment history with Wagepay, direct debit dishonors, missed loan payments, etc.)
  • High-risk behavior (overdrawing your account, large cash withdrawals, not leaving sufficient funds in your account for your repayments, etc.)

The score is updated frequently, so if you have been declined this time, you can always reapply after 7 days and we can reassess your advance limit.

 

Wagepay is a game-changing new service that was designed to revolutionise the way everyday Canadians in eligible provinces access and manage their pay, by giving them real-time access to their wages and other add-on services, without the requirement to involve their employer. 

To access our services, please download our app from the Apple or Google Play stores.

If you only have a computer, you can also use our web portal on our website. Wagepay is 100% online, so we don’t have any physical stores.

To create an account, you will need the following information:

  • Your personal details, such as name, date of birth, and address
  • Your mobile number
  • Your email address
  • Your basic income and expense information
  • Your Social Insurance Number

Before you can request your first wage advance, you will also need to connect your bank feed.

Yes. Wagepay is a secure service that follows the same security and encryption standards as banks and ensures that security best practices are always being followed. Transactions are protected with 256-bit Secure Socket Layer encryption. Our website is certified with a Web Server Certificate.

To qualify for a Wagepay wage advance, you need to meet the following requirements:

  • You must be 18 years old
  • You must live and work in Canada
  • You must be employed and receive a regular, consistent income from your employer, of at least $500 per week
  • You must leave enough of your income each pay cycle in your account to be able to repay an advance
  • You must have a generally good banking history, which we determine using your Wagepay score

If you are receiving benefits, you can apply, as long as you are also being paid a wage and meet the other qualification requirements.

Please note we are currently only servicing British Columbia and Ontario residents. However, more provinces are coming soon!

$500 per week is the minimum amount that we need to see being paid regularly from your employer into your bank account.

Please be aware, we can only review one bank, so if your income is split into two different banks, the second one can not be included.

Yes. If you are receiving benefits, you can apply, as long as you are also being paid a wage and meet the other qualification requirements. This means that we need to also see that you are earning at least $500 per week in your bank account from an employer.

You will be given an advance limit, which is an estimation of how much you can draw down at any one time when you create an account. The maximum wage advance limit for new customers is 25% of your pay, and can be even more for return customers, to a maximum of $1500.  Your exact advance limit will be determined when you make an advance request. 

You can then make a withdrawal from your advance limit, however please note, you can only have one advance at a time and the minimum amount you can withdraw per advance is $100.

We can only advance a portion of your wage, rather than all of it, as our product is designed to be responsible and fair. It’s an advance of part of your wage that we believe you will be able to repay on your next payday.

We may increase your advance limit, at our discretion, when you reapply from time to time and when you have demonstrated you can manage your finances well.

Please note your advance limit is not permanent, so please continue the good work and practice sound financial management.

It takes about 3 minutes from start to finish to create your Wagepay account on average.

If we have recent bank feed data for you, your advance will be instant when you request it. If we need to update your bank feed, this may take an extra couple of minutes, depending on your bank. 

You can only have one advance at a time. Please be aware there is a minimum drawdown amount of $100.

Yes. You can pay your advance early by using any of the options below.

  • Direct debit, by contacting our support team to take the payment early.
  • Online transfer to our bank account details, found on your Account Statement, which can be accessed at any time in the app or web portal

You can repay your advance at any time using the repayment methods available in the app or web portal. Once your payment has cleared, you can make a new wage advance request straight away.

Please be aware that we will do a quick check before each advance to make sure it is suitable for you.

No. At Wagepay, we do not do credit checks with Equifax or TransUnion as a part of our sign-up or wage advance process. We complete our assessment using your bank account transaction history.

No. We do not involve your employer in our process in any way shape or form. 

Most customers won’t need to provide paper identification documents as we will electronically identify you. Besides your personal details, we generally need you to have your driver’s license number when you create your account. 

If we are unable to identify you electronically, we may request copies of your identification documents before you can drawdown your first advance.

Once you’ve accepted your drawdown, we will release your funds to your bank straight away using our real-time Interac payments. If this is not available, we will transfer your funds using standard electronic funds transfers. 

No. We only deposit the funds into the account where your wage goes.

If you have not received your SMS security code, there are a few things you should do:

  • Check that your phone has service
  • Restart your phone and the Wagepay app or web portal
  • Check you have entered your correct phone number into the application (if you are creating a new account)
  • Check you have not blocked our mobile number in your phone’s settings

If you are still having issues, we would recommend you try again later and contact customer support for assistance.

There are occasions where your wage advance request can be declined. We build a bank statement score based on your bank statement history to make sure each advance is suitable for you. Some common decline reasons are:

  • Inconsistencies with your wage (your last pay was missing or reduced, we can not identify your income, your average pay is too small, you only receive benefits, etc.)
  • Payment history (inconsistent repayment history with Wagepay, direct debit dishonors, missed loan payments, etc.)
  • High-risk behavior (overdrawing your account, large cash withdrawals, not leaving sufficient funds in your account for your repayments, etc.)

The bank score is updated frequently, so if you have been declined this time, you can always reapply after 7 days and we can reassess your advance limit. Being declined for an advance will also not impact your credit score with the credit reporting bureaus.

There are occasions where your wage advance can be declined, even when you are an existing customer. For each advance request, we will refresh your Bank Score to assess some key score factors to make sure a new wage advance is suitable. If there has been any change to these factors, this can result in your request being declined.

Your bank score is updated frequently, so if you have been declined this time, you can always refresh your limit after 7 days and see if you pass our criteria.

Your score is updated frequently, so if you have been declined this time, you can always refresh your limit after 7 days. Although, we generally need to see two wage payments deposited into your new account and these must be consistent. If you have changed your bank, you will also need to update your bank feed in the web portal so we can see these wage payments, if you haven’t already. 

Digital bank feeds allow us to access read-only copies of your bank transactions at lightning-fast speeds so we can offer our different services. We always utilise the latest technology to offer you the best service that we can. 

Some banks may not appear in our list of supported financial institutions. If your bank does not show up on the list, we are unable to provide you with our services at this time.

Our bank feed connection process takes around 3 to 4 minutes on average, however unfortunately sometimes it does take a bit longer. If you have been waiting for more than 6 minutes, please try again half an hour later.

You should submit the account where your employed wages are going into. The minimum income you need to receive in your bank account on a weekly basis is $500, which is equivalent to $2,000 every month. It is critical that we can see this income going into a bank account.

No. We currently only support one Wagepay account to be linked to each bank feed.

You typically need to pay back on your next payday. If your payday is very close to the date you take out your wage advance, then at our discretion, we may use the subsequent payday instead.

You can move your repayment once for each advance. 

Please be aware customer support will not be able to approve additional moved payments without supporting information, and frequent use of these features will also reduce your advance limit over time.

To postpone or move your repayment date, follow the instructions below.

  1. Navigate to the ‘Wage Advance’ section of the app or web portal
  2. Under the heading ‘Advance History’, you will see all of your wage advances. Click on the wage advance you wish to update to expand down the options for it
  3. Select ‘Postpone Next Payment’
  4. Then select the new date you want the payment to come out, and hit ‘Apply’
​Please note this is only available once per advance, and we will not approve any further moved payments. Frequent use of this feature may also reduce your advance limit over time.

You can update your direct debit bank account within Payment Details under your Profiles Section. Please note if there was a direct debit already processing while it was updated, then the newly nominated direct debit account will only be used at the subsequent direct debit run.

When you miss a payment, your account will be in arrears, and you will need to make up the payment as soon as possible to avoid any difficulty in accessing the service again. You may do so either by doing a bank transfer or by getting in touch with our customer service team to arrange payment. If your account is in arrears for an extended period, then the collection process may start.

If you are experiencing financial hardship and you have already used the postpone feature, please contact our customer support team from the web portal. They will be able to discuss your situation with you.

Wagepay charges a maximum 8% flat fee and 24% interest per annum* for its wage advance product. You can use our repayment calculator on the homepage of our website to calculate your repayments. You can also see worked examples of repayments in our website footer. 

Wagepay also has a feature coming soon to reward our top customers with tiered pricing and lower rates. 

No. There are no hidden fees for our product, and all fees and charges will be clearly shown in your contract.

No. We do not charge a direct debit fee.

No. We do not charge a late fee or NSF fee.

Please note however that your bank may charge a fee, so it’s best to contact them to confirm this.

No. We do not charge additional fees when you use your bank card to repay. However, at this stage, we only take Visa or Mastercard payments.

You can log into your account 24/7 through the mobile app or web portal, once you’ve signed up as a Wagepay client.

You can access a copy of your account statement via the mobile app or web portal at any time by following the instructions below:
  1. From the home screen, select ‘Advances’
  2. Then the ‘Statement’ button next to ‘Advance History’

You can log into the mobile app or web portal to update your details, such as phone number and email address. To do this simply follow the instructions below.

  1. Go to the ‘My Profile’ section
  2. Then select ‘Settings’

You don’t have to update your income if this increases or decreases as we will always update this each time we refresh your advance limit.

You can reset your username or password through the mobile app or web portal.

Please get in touch with our customer service team and one of our friendly service representatives will assist you where they can. The best way to contact us is by using the contact us form inside the web portal. This is found under your profile options.

For basic inquiries and support you can call Wayne, our AI Assistant, at 1-647-477-8377.

For more specific customer support, you can contact our support team inside the mobile app or web portal. This is found under your profile options.

You can also email us at support.ca@wagepay.com, however, please be aware responses via email will be slower than contacting us via the web portal.

Yes! You are welcome to call Wayne, our AI Assistant, at 1-647-477-8377. Wayne is available to assist you with basic inquiries or support you may need.

You can also contact our customer support team through the mobile app or web portal.

Get in touch today

Have a question about your account? Send us a message from the app or web portal. Our self-service portal is available 24 hours a day, 7 days a week:
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