Everyday Payments

XTM Inc

About this app

Make your financial future bright. Get paid Everyday

Get your hands on the financial app that makes sure you never wait for your hard-earned money again.

What is this app for?
Everyday was designed to empower your financial well-being with instant access to your pay. Each day that you work, your employer can enable payment right after your shift, directly to your app. Everyday is your personalized and secure virtual wallet, paired with a card that syncs directly with your Apple Pay. Whether you've earned gratuities, wages, commissions or bonuses, your money is directly deposited in the app through your mobile wallet, and you can spend your funds immediately.

For earnings like tips, bonuses and commissions, your employer can send your money instantly to your wallet. For wages, you can build up a percentage of your earned wages as you complete a shift, each working day. You're in the financial driver's seat and can choose how much of your wages you'd like to receive, instantly. On payday, you will be paid as you would normally, less the amount of money that you accessed early.

Our mission
Helping you make your financial future bright with financial tools to help you earn, spend, save and build your financial well-being.

Fits your wallet & lifestyle
Use the money to spend, save, play and go - anytime, anywhere. There are no monthly or annual fees.

Money that makes money with Rewards
Get cash back on the brands you love when you shop at partner brands.

Spending insights that help you stay on track
Get monthly or weekly insights on your spending, automatically categorized to help you budget.

Send money to friends & family
Send Interac e-Transfers to any external bank account. Or send free Everyday card-to-card transfers to colleagues.

Keep your money secure
Mastercard's Zero Liability protection backs your money. Plus, if you ever lose your card, you can lock it in the app until you get a new one.

How to get started
Setting up your account is quick and easy. Once you receive your employer invitation, you'll create your account using either your mobile number or email. You'll be prompted to create your password and activate your card by scanning its QR code. Your employer can begin loading your wallet instantly with money earned from tips, commissions, etc. If you are using Everyday for instant access to your wages, you'll be able to access a portion of your earnings as you earn them, after each working day before payday.

Time to join hundreds of thousands of Everyday members who are enjoying the benefits of instant and convenient access to their money, any day.

Everyday is part of the Everyday Payments Inc. family of products. Trusted by nearly over 200,000 members across North America, Everyday Payments Inc. is a leading payments provider, providing financial solutions to help both employees and employers alike. The results are a happy team and a more efficient business. It's a win-win.

How will it benefit my financial health?
Cash flow management isn't just for businesses. Everyone could use a little support with their personal finances. Everyday gives you faster access to the money you've earned so you can cover any expense, anytime, anywhere.

Sounds great. What's the catch?
No catch. We want to put money in your pocket at the end of your hard-working day. That's why your Everyday app & card are free for you. No fees to spend your money (just like cash). And if you need cash IRL, stop at one of our in-network ATMs for free (list available in-app).

Get help when you need it
Contact us at [e-mail] if you have any questions

Ratings and reviews

If I could give it 0 stars, I would! Worse card service I've ever had to deal with! Can't use the card everywhere! Card gets denied a lot! Terrible customer service, plus their phone number hangs up on you, so it's difficult to even reach anyone! Their expedited process is 3 to 5 business days and not immediately or asap. So when they withhold your money for no valid reason, it takes a week to get access back at minimum. All email communications take a day to 2 days to receive a response back.

terrible app that goes hand in hand with a terrible company. My (my co-workers as well) money usually ends up in limbo with a simple E-transfer, leaving money inaccessible for long periods of time, response rate is brutal, just seems like a sketchy business overall that has switched hands and branding many times. If there was lower than 1 star, it would be applicable for this app.

I hate that my job uses this. they change their app every week. I've worked at my job 3 years and re-downloaded 20 apps for these people. ridiculous company wasting my time, adding more and more hoops to access my money every week of the year. starting to think it's a scam they run just to keep people from accessing their money so they can eventually keep it when accounts go cold. I beg the CEO every time I see him to consider a new way of providing tips because these guys can't build an app.

What's new

App improvements & bug fixes