What is Dayforce Wallet?

Dayforce Wallet is a modern way to pay employees. An extension of Dayforce Payroll, it provides employees access to their earned wages on-demand, with an intuitive mobile app and accompanying prepaid card. Dayforce Wallet can be used for on-demand pay requests, regular payroll using the Dayforce Prepaid Mastercard®, as well as other off-cycle payments.

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Attract and retain
new talent

  • Attract talent by offering on-demand pay as an enticing benefit
  • Reduce 90-day attrition by as much as 25% among hourly employees1
  • Reduce time-to-fill open positions by 13%1

1 Dayforce Wallet usage metrics Q2 2022

Empower employees with financial wellness

A recent study found 61% of working North Americans are more financially stressed today than they were a year ago.2 High-interest credit cards and payday loan vendors only make it more difficult to get ahead. On-demand, early access to net pay with Dayforce Wallet can help.


2Ceridian Research, 2022

Easily implement and maintain existing processes

Dayforce Wallet can be implemented in a matter of hours, not months. Enabling Dayforce Wallet does not add steps to the pay cycle or funding process, and is included for free with Dayforce Payroll.

Make any day payday

Dayforce Wallet is included with Payroll, meaning no additional cost to employers and no monthly fees for employees.* *Consult the Cardholder Agreement and Fee Schedule for a complete list of fees.

Join the hundreds of companies providing Dayforce Wallet

What’s included in Dayforce Wallet

Continuous calculation

We’ve made payroll simpler by combining payroll and WFM in a single system. Pay is calculated in real time, allowing employers to enable access of up to 100% net pay.

On-demand pay

On-demand pay is a feature of the Dayforce Wallet solution. On-demand pay enables employees to request a payout of their earnings any time† during the pay cycle.

Prepaid card

The Dayforce Prepaid Mastercard® can be used for purchases, bills, and ATM withdrawals.

Mobile app

The Dayforce Wallet mobile app§ provides employees access to their net pay, allowing them to action requests, manage transactions, and transfer funds to associated bank accounts.

Hear what our customers have to say

Customer story

Crescent Bank

Crescent Bank drives workforce financial well-being with Dayforce Wallet.

Customer story

Buehler’s Fresh Foods

Buehler’s Fresh Foods stocks peace of mind with Dayforce Wallet.

Frequently asked questions

Dayforce Wallet will not add steps to the payroll process or funding schedule. Every on-demand request is treated as a regular payroll and taxes are remitted automatically on the employer’s behalf. On-demand payments generate their own earning statements and are recorded on the standard earning statement generated for the pay period. Dayforce’s continuous calculation engine ensures that all taxes, garnishments, and deductions are accounted for in full and reflected in the employee’s Available Pay figure. Employers can enable access of up to 100% net pay knowing that the figure is accurate.

Dayforce Wallet is easily configurable to allow for tolerance levels regarding the frequency and amount of pay that can be requested at any given time. In fact, Dayforce Wallet offers an effective alternative to other costly, riskier methods of accessing pay early, such as payday loans and high-interest credit products. Instead, Dayforce Wallet provides employees access to their own net pay for free and without the 2-3 business day turnaround. With a configurable rules engine governing how and when employees request their pay, your people benefit from greater control over their finances while adhering to internal payroll best practices.

Dayforce Wallet can be implemented quickly with minimal disruption to your current operations. The process is straightforward and simple, and can be configured in a matter of hours. Implementation typically requires 2-5 hours on average, and employees follow an intuitive guided process to set up and activate their accounts independently. 

Dayforce Wallet is simply an extension and benefactor of the always-on, continuous calculation engine used to process regular payroll in Dayforce. Dayforce Wallet continuously calculates and sets aside taxes, deductions, and garnishments in accordance with applicable legal requirements and configurations. Employees must first earn enough to cover these required amounts before net pay will be made available.

Dayforce Wallet named
a 2021 Digital Wallet
Innovation Leader

Learn how you can deploy Dayforce Wallet at your organization

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This card is issued by Peoples Trust Company under license from Mastercard International Incorporated. Funds loaded onto the card are held by the issuer Peoples Trust Company, a member institution of the CDIC, and are eligible for CDIC coverage. Ceridian HCM is not a CDIC member institution. Mastercard is a registered trademark, and the circle's design is a trademark of Mastercard International Incorporated. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and Fee Schedule. If you have any questions regarding the Card or such fees, terms, and conditions, contact Customer Support at 1-888-999-6824, Monday - Saturday, 8 am EST - 6 pm EST.