Newsletter: Most "salary advance" apps in the Philippines aren't earned wage access. GetPaid's new guide shows HR teams how to tell the difference — before it costs them.

[THIS IS A PRESS RELEASE]

Ask five HR managers what "salary advance" means and you'll get five different answers — and at least two of them will be describing a loan, not a benefit. GetPaid, the Philippines' standalone earned wage access (EWA) platform, just published the guide built to fix that: Earned Wage Access in the Philippines: The Complete Guide.

Here's the part that should worry every HR and finance team currently comparing vendors: some products marketed as "0% interest EWA" are structured as credit against future paychecks, not access to wages already earned. That distinction determines whether a benefit reduces financial stress on your floor — or quietly recreates the same debt cycle it was meant to prevent, with your company now playing lender.

The guide covers:

• Debit vs. credit — the one-line test that tells you which product you're actually looking at
• A full market comparison — GetPaid, Paywatch, AgadPay, Tendo, SAVii/GoTyme, Sprout's ReadyWage, and BPI, side by side, no marketing gloss
• What happens when someone leaves mid-cycle — the question that trips up loan-structured "advances" every time
• Why configurability, not just 0% interest, is the real differentiator — because a BPO floor and a corporate office shouldn't run on the same fixed policy

What we built GetPaid around is giving HR the controls to actually run this their way — access limits, pay cycles, who absorbs the fee, set per team and changeable without a renegotiation. That's what tells you a provider actually built for HR, versus one that built for a headline.

Read the full guide: getpaid.ph/post-ewa-philippines-guide 

See how it fits your workforce: Book a 20-minute demo

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