AppiaPro
Earned-income advances delivered onto a card — pick AppiaPro when staff or contractors don't have easy bank access, or when you want spend to land on a controllable card rather than a bank account.
Built for the businesses that actually need this.
Everything AppiaPro does out of the box.
Instant advances
Approved staff draw down against earned income in seconds.
Auto-repayment at payroll
Advances net off against the next salary run — no manual chasing.
Employer stays in control
Set caps per person, per pay cycle. Full audit trail in Nexus.
Spendable immediately
Money lands on the AppiaPro card — usable anywhere Mastercard is accepted.
Zero cost to employees
No fees to staff for standard drawdowns. Transparent employer economics.
Four steps from first call to live.
Enable AppiaPro
Turn on for eligible staff from Nexus.
Staff request
Staff request an advance from their app or SMS.
Instant payout
Approved advance lands on their AppiaPro card immediately.
Payroll settles
Advance nets off automatically at the next pay run.
About AppiaPro.
- Is this a loan?
- No — it's an advance against income already earned. It's not credit-regulated in the same way as a formal loan product.
- What happens if someone resigns mid-cycle?
- The employer sets the drawdown cap and reconciles at final pay. Rules are configurable per business.
- How is this different from PayMaster?
- Same underlying idea — early access to earned income with automatic payroll repayment. The difference is delivery: PayMaster pays the drawdown into the employee's existing bank account, while AppiaPro loads it onto a physical or virtual card we issue. Pick AppiaPro when staff don't have easy bank access, when you want spend controls (merchant limits, category rules) applied to the money, or when you want the same card to double as their wage-payment card alongside AppiaStaff.
- How is this different from AppLend?
- AppiaPro advances income the employee has already earned in the current pay cycle — it's not credit. AppLend is a formal NCR-registered credit product for larger, longer-term loans that are underwritten and repaid over months.
Ready to see AppiaPro for your business?
Talk to our team for a scoped quote — no obligation, no lock-in.
Ready to sort out your business payments?
Tell us a bit about your business and we'll get back to you within one working day.