We verify your employment and paycheck history to determine eligibility. You control access.
What we access (and why):
We connect directly to your payroll provider using Argyle — the industry's leading employment data platform. We read only what's needed to verify your employment and determine your advance eligibility.
Employment status and employer name
Paycheck history and frequency
Projected next pay date and amount
Account and routing numbers for repayment (ACH)
We do NOT access: your personal info, bank account balances, credit history, or any other financial data.
Plain English Disclosure
KickPay uses Argyle to connect to your employer's payroll system. Argyle acts as an intermediary — your employer never sees this connection. You can disconnect at any time. All data is encrypted and used only to evaluate your advance eligibility.
✅
You're Eligible
$75
Available in your account right now. Flat $3.99 fee — nothing else.
Fee Disclosure: $3.99 flat fee for this advance.
Total repayment: $78.99 on your next pay date. APR equivalent: Varies based on pay cycle — displayed before you accept.
❌
Not Eligible Right Now
We could not verify active employment with your payroll provider.
Adverse Action Notice: This decision was made based on employment verification data from your payroll connection. This is not a determination of your creditworthiness. If you believe this was made in error, contact us at support@kickpay.xyz.
Reason code: —
Set Up Your Card & Bank
We need a debit card for your advance and a bank account for repayment.
💳 Instant Card Payout
Receive your $75 advance directly to a debit card
🏦 Repayment Authorization
Allow us to collect repayment on your pay date
By tapping "Authorize", you provide written, authenticated consent for KickPay to debit your bank account for the advance repayment ($78.99 total: $75 principal + $3.99 fee) on your confirmed pay date. This authorization is valid for 2+ years per NACHA requirements. You may revoke this authorization within 3 business days by contacting support@kickpay.xyz.
Full Fee Disclosure:
Advance amount$75.00
Flat fee$3.99
Repayment total$78.99
APR equivalentVaries by pay cycle
Repayment date: shown before you accept. If paycheck is less than $78.99, repayment is limited to available balance.