Available in Candescent's Marketplace

Earned Wage Access Integrated into Candescent

Clockout brings Embedded Earned Wage Access to Candescent digital banking environments. Designed for Candescent financial institutions, Clockout deploys natively within your mobile banking experience, helping banks and credit unions deliver on-demand pay, capture core deposits, and compete with fintech apps through a fully white-labeled solution.

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Simple Integration

Integrate EWA into Candescent mobile Banking

Clockout® embeds effortlessly into your existing mobile and online banking platforms.

1 Access in Mobile Banking

Embedded directly within your bank’s mobile and online banking experience.

2 Seamless Enrollment

A fast, intuitive enrollment process with no paperwork or friction. Your consumers will only need their payroll credentials.

3 Advance Earnings

Your consumers access a portion of earned wages instantly, without waiting for payday.

4 Track Accounts & Earnings

Your consumers view earnings, advances, and repayment activity in real time here.

Front view of a black smartphone with a blank screen and a pill-shaped cutout at the top center for the front camera and sensors.

Mobile banking app screen showing account balance $1,175.01 in checking account, options for Transfer, Deposit, Pay, Early Pay, earned wage access enrollment, and recent transactions.

Front view of a dark blue smartphone with a pill-shaped cutout at the top center of the screen.

Mobile screen prompting user to link payroll to access earned wage, with Link payroll account button and Continue and Contact Support options.

App screen showing Amazon connected with $96.60 available for pay period Jan 15 to Jan 28 and a blue Advance button, plus options to view activity and manage jobs, and recent earnings of $150.

Screen showing an Amazon account with $74.61 available to advance for the pay period Jan 15 to Jan 28; recent activity includes a $21.99 advance on Jan 16 and $150 earnings today.

Where to find us?

The First Earned Wage Access Solution in Candescent's Marketplace

Clockout is the pioneering EWA solution available through Candescent
Leverage Candescent's ecosystem to deploy your Earned Wage Access program rapidly, with pre-built connectors and streamlined onboarding.
Access dedicated technical resources, comprehensive documentation, and priority support.

Benefits to Financial Institutions

Drive Revenue and Deposits with your Candescent Digital Banking App

Clockout's Candescent integration helps your institution capture Direct Deposits, generate fee income, and deepen consumer relationships.

Request Demo

Close-up of person holding and using a smartphone with a clear protective case.

Form section titled 'Switch Your Direct Deposit' with a dropdown menu showing 'Checking Account - XXXX3213' selected.

Activate Direct Deposits

Incentivize customers to switch their direct deposits into your bank.

Hand holding a smartphone displaying an Advance Pay app screen with a $125.00 advance amount, checking account details, and options for instant or 2-5 days fund speed.

Advance Speed options showing Instant transfer for $2.00 and 2-3 business days transfer for free.

Generate Non-Interest Income

Generate fee-based revenue for every advance your customers make

Smiling couple sitting on a gray sofa looking at a tablet together in a bright living room.

Interface section titled Use Earned Wages with options to Save for a rainy day and Invest for the future, each with a blue Explore button.

Cross Sell Products

Incentivize customers to switch their direct deposits into your bank.

Configurations

Your Program, Your Rules - Complete Customization Built In

User Eligibility

Define which consumer segments can access your program. Set criteria based on account age, direct deposit history, balance thresholds, or custom parameters unique to your institution.

Earned Wage Access screen with a prompt to enroll today and a blue 'Enroll Now' button, plus a 'New service available' label.

Available Balance

Control available balances with dynamic limits based on custom parameters . Balance customer access with built-in compliant practices.

Fee Structure

Design your monetization strategy with per-advance fees or volume-based tiers. Set instant transfers and standard delivery options that align with your pricing philosophy.

Mobile screen titled Advance earnings with options Instant advance costing $2.00 and Standard transfer which is free.

Error message with red exclamation icon stating Wage Advance Not Available and explanation that total advance amount for the pay period has been exceeded.

Guardrails

Build responsible EWA practices directly into your program rules. Protect consumers with configurable advance limits, cooling-off periods, and usage caps.

Deployment

Deploy Earned Wage Access in your Candescent-Powered App

Our Candescent integration enables your institution to deploy an EWA offering in light speed.

Deploying EWA through Candescent includes

Fast Setup directly from the Candescent Marketplace.
10-14 Week integration into your Candescent mobile app.
Support to set up and configure your EWA service.
Marketing assets, and customer support materials.
Help launching for optimal user adoption.

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Experience Our Service

Ready to Launch Earned Wage Access in Candescent?

Join the financial institutions already using Clockout to differentiate their digital banking experience and drive measurable growth in deposits and fee income.

See a personalized demo of Candescent earned wage access integration
Receive a custom proposal tailored to your institution's goals
Get dedicated support from integration through launch

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