Automating Earned Wage Access with a Payroll API

We sat down with Gary Abouaf, CEO and founder of NessPay, to talk about salary on demand, the difficulties of maintaining API connectors and the importance of accessing the right data at the right time.

Pauline Kletti
Pauline Kletti
November 3, 2023
6 min read
Automating Earned Wage Access with a Payroll API

Earned Wage Access - an asset for retaining employees

Making wages available on demand rather than at the end of the month - that's the innovation proposed by the start-up Nesspay. In France, you have the right to request an advance payment each month. However, it can be a long and time-consuming process for the employer: They have to process the request, check whether it is a legitimate request, make an exceptional payment and reconcile the remaining monthly salary. 

Nesspay makes this process easier, allowing employees to access their pay independently as the month progresses, in proportion to the hours they have already worked. In particular, this allows the most vulnerable employees to apply for an advance payment at the click of a button, thereby avoiding costly bank overdrafts. To provide a high-quality service, NessPay needs a range of skills to cover the banking and financial services it needs to operate.

Internal integration vs. external API

To implement their solution in companies, Nesspay obviously needs to connect to its customers' payroll software:

  1. To check the status of workers, verify their recent activity and any time off, in order to calculate the salary available for an advance payment
  2. To record requests for salary advance in the payroll software, so that pay slips can be produced in accordance with the payouts.

NessPay has chosen to place its trust in Rollee and outsource its connectors to payroll software via API. Maintaining API connections is a real pain for their tech team, and outsourcing via Rollee became an obvious solution to avoid being swamped by updates from the various software packages.

"We are in constant exchange with the Rollee team - they are technically very strong and have the expertise to adapt our connections and meet our needs."

NessPay made the choice to outsource the management of the connectors to access data from payroll and HR softwares with Rollee to maintain service quality without having to increase its own recruitment.

Speed of execution and new business channels

Recently Nesspay had a business opportunity to sign a new big client, with a hitch: the company was structured as a multi-entity - and so was their access to their payroll software. Rollee was able to support NessPay without slowing down the customer's onboarding and by meeting the technical requirements for dealing with the multi-entity problem.

"Rollee's responsiveness enabled us to sign up a customer with a specific administrative problem that would have cost us weeks to resolve.”

The essential metrics for NessPay to monitor: product deliverability and user experience. Employees requesting an advance on their salary need to receive an immediate response to their request.

"We need access to the right data at the right time. Thanks to Rollee we have been able to open up new business channels and meet the needs of our customers who require specific connectors. Rollee takes our needs into account when building its roadmap."

A high frequency of communication allows NessPay to be reassured and to quickly decide which business opportunities can be pursued technically and to determine the necessary speed of execution. Thanks to a common slack channel, the NessPay and Rollee teams can communicate live, collaborate and iterate on the technical solutions to be implemented.

"We particularly appreciate the close working relationship with the Rollee team, which allows us to collaborate in a close and human way."

Rollee's API allows Nesspay to build its advance payment software flexibly, and without additional investment in a dedicated in-house department. Rollee, the Open Finance platform, enables fintechs and financial institutions to access data on the income and employment of salaried or self-employed workers.