Customize the way people get paid
Give workers and contractors a place to easily receive and spend their earnings. Lead provides the accounts, BIN sponsorship, payout cards, and the payment rails required for payouts, including employer-of-record and earned-wage-access models.
Challenge
Your workforce or marketplace platform needs to reliably pay workers and contractors and provide an easy way for them to receive and spend their earnings. That can mean providing accounts, issuing payout cards, moving funds over payment rails, and, for earned-wage-access programs, providing advances. Keeping multiple vendors coordinated becomes increasingly complex as your workforce and payout models grow, especially when you want to be focused on making the payday experience feel instant and seamless for your users.
Solution
Lead can provide the end-to-end infrastructure needed to power your payout experience. We open accounts with dedicated account numbers for domestic and international workers, issue payout cards as the BIN sponsor, and disburse funds into attributed accounts over ACH. For earned-wage-access programs, Lead can originate advances as the lender of record, putting the credit and payout infrastructure under the same banking relationship. With Lead, you can give users a seamless way to receive and spend their earnings without separately assembling a bank, an issuer, and a payouts vendor.
