The OnDemand Pay Patent

The OnDemand Pay patent is an innovation created by Frank Dombroski. The original patent for the Earned Wage Access (EWA) industry, OnDemand Pay, was designed to help employees navigate financial hardships through flexible pay options.

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Image: Light Bulb with colorful background signifying a patented idea.

Employee Financial Hardships

Prompted by the housing subprime mortgage crisis, the Great Recession of 2008 was the most significant global economic challenge since the Great Depression in the 1930s.

The 2008 financial collapse created increased economic challenges and stress for workers throughout the U.S. At that time, most 40 million unbanked households in the U.S. did not have access to short-term credit other than payday loans.

Many workers turned to payday loans to access the money they’d earned before payday. Unfortunately, the high cost of payday loans creates a tough-to-break cycle. With APRs reaching just under 400% for an average loan and roll-over conditions requiring multiple payday loans to pay off the first loan, the impact magnified employees’ financial hardships.

OnDemand Pay Patent Holder and Earned Wage Access Industry Pioneer

Frank Dombroski founded FlexWage Solutions in 2009 to provide workers with an alternative to predatory payday loans. Mr. Dombroski, an expert in digital payment solutions with deep experience in the financial services industry, pioneered EWA and patented OnDemand Pay.

OnDemand Pay is the software behind the FlexWage EWA solution. It is an employer-based and employer-funded earned-wage access solution. It integrates with the employer’s HR, payroll, and time and attendance data to provide employees with accurate, accrual-based wage calculations.

The OnDemand Pay Patent

In 2010, FlexWage was granted a conditional patent for: “Systems, methods and computer program product of integrated payroll solutions enabling low cost on-demand intra-cycle payment of accrued employee wages, to meet critical cash flow needs.” The final patent was issued in 2014: U.S. patent US8751338B2.

The FlexWage OnDemand Pay solution is the industry’s most in-depth, data-driven, accurate, transparent, and regulatory-compliant Earned Wage Access process.

The complete OnDemand Pay patent can be reviewed on Google Patents.

EWA Done Right

FlexWage delivers “EWA Done Right” because it offers the most compliant, responsible, and transparent Earned Wage Access (EWA) solution in the market today. It has stood for more than a decade as the market standard.

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