Grow your net income with a suite of cutting-edge employee financial benefits.

Our unique tech stack infrastructure allows you to build an end-to-end white-labeled fintech product that grows your business.

Fortuna Credit Card
AsurePay Credit Card Design
AsurePay Credit Card Design

Customize and build your own branded employee benefits product.

Add one or more product modules to your platform.

Pay Cards

Offer payroll card functionality, including on-site pay card distribution. Pair this product with a world-class platinum banking experience for the optimal employee digital banking product.

Digital Banking

You decide what % APY rewards to offer your customers with this best-in-class online banking product. There are zero fees with this FDIC insured account offering, and it includes fee-free in-network ATM transactions at over 55,000 ATM locations.*

On-Demand Pay | Earned Wage Access

Offer no-fee Earned Wage Access, also known as On-Demand Pay, to your customers. You get the best value when this product is combined with a Pay Card.

Tips & Bonus Disbursements

Seamlessly pay out tips and bonuses after each shift! It’s easy to allocate funds to each employee as your businesses require.

Money Transfers | Domestic & International

Domestic and International Peer-to-Peer money transfers enable your customers to send money when and where its needed.

Credit Score Monitoring

Give your customers the gift of understanding their credit score. With free credit score access, your customers can begin to work on incrementally improving their score and gain better access to financial perks.

HSA/FSA | Health and Flexible Spending Accounts

Allow your customers or employees to spend towards everyday essentials like physical or mental health needs, or other products and services required to stay productive at work.

Rewards

Give your employees rewards to increase loyalty, retain talent and improve your workforce happiness.

Credit Builder Credit Card

Offer a secured credit card designed to help your employees build their credit. This service sets the credit card limit to your employees’ available on-demand pay amount, and when they make purchases, their balance will automatically be repaid. All repayments will be reported to the credit bureaus and help establish and/or improve their credit score.

Customize your own product.

Build your own multi-feature, single solution employee benefit platform. Select and build from any of our product offerings and brand it according to your style guide.* 



*Some restrictions apply.

Grit Financial credit card design

Innovate now

or your competitors will.

New technology has made it simpler to innovate and improve old systems. Your competitors are finding ways to create new revenue streams today - get a head start with fintech capabilities before they grab the opportunity first.

Leverage Powered by Grit to kickstart your fintech product and accelerate revenue growth today.

Not powered by Grit
Powered by Grit infrastructure

Grit understands infrastructure and compliance.

Build your ideal fintech product that transcends the typical business. We deliver more than a single fintech component; we offer the ultimate experience. Along with our innovative partners, our tech stack can be engineered in unique ways that will outperform competitors who are lagging behind.

With best-in-class compliance via SOC2 certification and PCI compliance, we can offer your businesses the technology along with security and compliance coverage.

Major employers are already offering Earned Wage Access.

Leverage our white-label solution to offer on-demand pay and more - so you can attract and retain talent.

A map of competitors: MacDonald's, Duracel, Amazon, Hilton, Walmart, etc.
Employee Benefits Organizations

Powered by Grit services large-scale employer organizations with a full-stack solution that  integrates seamlessly with your tech stack.

We know tech.

We’ve developed and integrated third party features into a single platform, so you don’t have to.

An image of core banking software, payment networks, and payroll feeding into Grit infrastructure

One platform for all solutions.

Card processing, loan management, digital banking, rewards, health spending, and more. We make it easy for you.

Everything in one platform

We create new revenue streams for your business.

PEOs & businesses have multiple streams of revenue through revenue sharing, payment processing, fees, new customer acquisition and more.

Grit helps businesses grow revenue streams

Powered by Grit

Control of product offerings without overhead costs or in-house infrastructure

Turnkey implementation: Enable the sum or part of our offerings in a little as 90 days

Ability to brand your app, card, web applications and marketing materials

Ownership of your data: drive business, marketing and product decisions based on real insights

Control of product offerings without overhead costs or in-house infrastructure

Turnkey implementation: Enable the sum or part of our offerings in a little as 90 days

Ability to brand your app, card, web applications and marketing materials

Ownership of your data: drive business, marketing and product decisions based on real insights

Find out why the top companies in America have partnered with us.

GPO

JJB Brands: Pizza Hut, Checkers and Moe’s restaurants have led the restaurant industry by offering Earned Wage Access to full and part-time employees for a number of years.

Services included

Full-service (online banking, EWA, credit score monitoring, card issuance)
Virtual & Physical Debit Cards
Branded iOS + Android Apps
Customer Service Support
JJB App design
Educational Organizations

KIPP Texas Public Schools understand the importance of paying staff early and often, as educators empower the next generation.

Services included

Full-service (online banking, EWA, credit score monitoring, card issuance)
Virtual & Physical Debit Cards
Customer Service Support
KIPP flyer design and credit card design

Building financial prosperity for everyone.

© 2025 Grit Financial. All rights reserved.

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