Insperity Perks+ program

FINANCIAL WORRIES DIRECTLY IMPACT PERFORMANCE

Employees spend almost 25% of a 40-hour workweek dealing with financial issues.¹ Financial stress not only affects quality of life – it can also diminish the quality of work.

FOR EMPLOYERS

Attract and retain the best and brightest workers as an employer of choice with these robust employee offerings
Easy setup and integration with little to no effort
Employee population with stable and robust financial benefits
Zero-cost value add

FOR EMPLOYEES

Early access to earned wages at little or no cost–this is not a loan! Don’t let employees get trapped by high interest loans that could damage their credit while trying to keep up with bills.
Access to earned wages*
Insperity Perks+ card facilitates purchases*
Savings through discounts/cash-back incentives*
Send money overseas to family and friends with low-cost international transfers
Discounts on countless consumer goods in the Marketplace

**INSPERITY PERKS+ HAS THE SOLUTION**

With earned wage access through our financial wellness provider, your employees can bridge the gap between paydays. They’ll also be eligible for cash-back savings and discounts from using online marketplace. It’s a win-win for you and your employees.

Level the financial playing field for your employees

THE INSPERITY PERKS+ CARD

When you implement the Insperity Perks+ program, your employees will be eligible to apply for the Insperity Perks+ card. It’s never been easier to improve employee financial wellbeing.

SECURITY

Life happens. Give your employees a greater sense of financial security by providing them with a solution that can help them cover expenses between pay periods

CONVENIENCE

Empower your employees with early access to a portion of the money they’ve already earned – without high interest rates or damage to their credit. They can also set up direct deposit of their paycheck and request both a physical and virtual card – and even add the virtual card to their mobile wallet. However your employees choose to use their card, their funds are never far away.

FREEDOM

Cardholders enjoy perks powered by one of the most expansive online discount platforms in the nation. Your employees can take advantage of discounts, cash-back incentives and special rewards.

Insperity Perks+ Frequently Asked Questions

Insperity Perks+ is a financial wellness and benefits platform that gives employees access to tools that support everyday financial needs. Features include:

Earned Wage Access (EWA) to access a portion of earned wages before payday
Insperity Perks+ Prepaid Mastercard® for convenient, paper‑check‑free wage access
International Remittance Services for low‑cost money transfers
Marketplace discounts on everyday purchases
Cashback rewards at thousands of online retailers

Earned Wage Access allows employees to access a portion of wages they’ve already earned before payday. The process is fully automated and integrated with payroll, and any wages accessed are automatically deducted from the employee’s next paycheck—no additional work required from employers or managers.

No. Earned Wage Access is not a loan. Employees are accessing wages they have already earned, not borrowing money. There is no interest, no credit check, and no impact to an employee’s credit score.

No. Earned Wage Access is fully automated and does not require manager approval. All deductions are handled automatically through payroll.

Employees may access earned wages with no fees when using the Insperity Perks+ Prepaid Mastercard®. Other transfer options may include optional fees depending on the method selected, which are clearly disclosed to the employee.

Employees can transfer available earned wages to:

Their bank account
A debit card
The Insperity Perks+ Prepaid Mastercard®

No. To promote financial stability and responsible use, only a portion of earned wages is available prior to payday.

Once employees receive their Insperity Perks+ invitation and complete enrollment, they can begin participating as soon as they start earning wages, subject to eligibility requirements.

The Insperity Perks+ Prepaid Mastercard® is a secure and convenient way for employees to receive wages and eliminate paper checks. Employees can access earned wages using the card with no fees, making it a simple and cost‑effective option.

Remittance Services allow employees to send money to family and friends internationally through low‑cost transfers. Funds can be sent to over 190 countries and territories, with delivery options including cash pickup, bank deposit, and mobile wallet

The Marketplace provides exclusive discounts on groceries, gas, dining, travel, and more. Employees can access promo codes and coupons for both online and in‑store purchases, including local businesses.

Employees can earn up to 20% cashback when shopping with more than 8,000 online merchants across categories like clothing, electronics, travel, beauty, pet supplies, and more.

If an employee’s email address is missing or incorrect in payroll records, they will not receive their Insperity Perks+ invitation. Managers should ensure employee email addresses are accurate and up to date.

Once an employee’s termination is recorded in isolved payroll, Earned Wage Access is automatically deactivated for that employee.

Resources

Perks+ Employee Flyer with QR Codes

Perks+ Employee Introduction

InsperityPerks+ International

InsperityPerks+ Savings

InsperityPerks+ Mobile

InsperityPerks+ Earned Wage Access

Recursos

InsperityPerks+ International (Spanish)

Insperity Perks+ Savings (Spanish)

InsperityPerks+ Mobile (Spanish)

InsperityPerks+ Earned Wage Access (Spanish)

Multikrd® is a Financial Technology Company and not an FDIC-insured bank. Checking accounts and Insperity Perks+^TM Mastercard® debit cards are provided by Central Bank of Kansas City, Member FDIC. Funds deposited into the checking account may be eligible for up to $250,000 of FDIC insurance. The FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured depository institution. ¹ Source: SoFi; The Future of Workplace Financial Well-Being from SoFi at Work, 2022. ²Source: PYMNTS;New Reality Check: The Paycheck-To-Paycheck Report, December 2022. ³Source: Purchasing Power;The State of Employee Finances, 2022. * Earned wage access, discounts and cash-back incentives with the Insperity Perks+ card are powered by Multikrd LLC.