Last updated: June 8, 2026
These Terms of Service ("Terms") govern your use of the KickPay mobile application and related services (collectively, the "Service"). By using KickPay, you agree to these Terms. If you do not agree, do not use the Service.
KickPay is a payroll-connected earned wage access service. We advance a portion of your earned-but-not-yet-paid wages to your bank account, and collect repayment (plus a flat fee) via ACH debit on your confirmed pay date.
KickPay is not a loan. It is not a credit product. It does not involve interest or APR in the traditional sense.
To use KickPay, you must:
Eligibility is based on verified employment through your payroll provider — not your credit score. We do not perform credit checks.
Maximum advance per pay period. Actual availability depends on your payroll data.
One-time fee per advance. No interest, no hidden costs, no recurring charges.
For illustrative purposes only. Example: $75 advance with $3.99 fee, repaid in 14 days = ~139% APR equivalent. This is not interest — it is a flat fee for a single advance.
Repayment. By requesting an advance, you authorize KickPay to debit your bank account for the total repayment amount ($75 + $3.99 = $78.99) on your confirmed pay date. The debit date is shown to you before you authorize the advance.
Revocation. You may revoke this ACH authorization by providing written notice to support@kickpay.xyz at least 3 business days before the scheduled debit date.
KickPay is not:
The flat fee is not interest. KickPay does not charge interest on advances.
By tapping "I agree" on the advance authorization screen, you:
KickPay's liability is limited to the amount of the advance fee paid. We are not responsible for delays in fund delivery caused by your bank or payroll provider. We are not responsible for ACH return fees charged by your bank.
We may suspend your access to KickPay if you have a delinquent advance (ACH return or failed repayment). We may also restrict future advances if repayments are returned.
Your use of KickPay is also governed by our Privacy Policy. We access payroll data through Argyle for eligibility purposes only. We do not sell your personal information.
We may update these Terms at any time. Material changes will be communicated via the app. Your continued use of KickPay after changes are posted constitutes acceptance of the updated Terms.