Estimate the annual business value of embedded payment experiences for your workforce program — spanning instant payout revenue, interchange, float income, reload behavior, and worker retention ROI. Start with core inputs; expand advanced assumptions to model your scenario in detail.
Default values are derived from published industry research. Hover any i icon to see the source. All inputs are fully editable.
7,000+partners across multiple embedded finance programs
90K+retail deposit locations for cash access and reloads
$230Bprocessed annually across the Green Dot ecosystem
80M+managed accounts to date, signaling operational scale
Important: Outputs are illustrative estimates for internal planning and executive conversation purposes only. They do not constitute a Green Dot pricing proposal, revenue guarantee, or investment projection. Default assumptions are sourced from third-party research and are fully editable. Hover any i icon to view the underlying source.
Model your business case
Adjust the inputs below. Open advanced assumptions for a more detailed scenario.
Core Assumptions
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Enter the total number of workers eligible for embedded payment or payout experiences. This is your addressable base for all downstream calculations.User-defined input; no external source required.
Total workers eligible for payout experiences.
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SHRM reports the cost to replace a minimum-wage hourly worker averages $1,500. Gallup and SHRM cite 6–9 months' salary for salaried employees. The $1,200 default is intentionally conservative for hourly/gig workforce contexts.Sources: SHRM, "Turnover Cost Calculation Spreadsheet"; Gallup, "Employee Retention and Attraction" (2023).
Hiring, onboarding, and lost-productivity cost per departure.
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The CFPB's 2024 Data Spotlight found 41% of surveyed workers had access to employer-partnered EWA products. The 38% default is conservative. A 2022 Citizens Bank survey of 200 middle-market firms found 71% already offered EWA.Sources: CFPB, "Data Spotlight: Developments in the Paycheck Advance Market" (Aug 2024); Federal Reserve Bank of Kansas City (May 2024).
38%
Percent of workers using instant or stored-value payout options.
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The GAO (2023) found employer-sponsored EWA users averaged 10–24 transfers per year (~0.8–2/month). Direct-to-consumer users averaged 26–33/year. The default of 3/month reflects an engaged employer-embedded user.Source: U.S. GAO, "Financial Technology: Products Have Benefits and Risks to Underserved Consumers" (Mar 2023).
Average payout events per adopting worker per month.
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EWA providers charge $1–$3 flat fees or tip-based models. DailyPay charges up to $2.99/transfer (D2C). The $0.75 default reflects a conservative platform-level share on employer-embedded programs where fees may be subsidized.Sources: CFPB, "Data Spotlight" (Aug 2024); DailyPay published cardholder fee schedules (2024).
Modeled gross platform revenue per payout event.
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OneSource Virtual's myFlexPay data shows EWA produced a 16% reduction in turnover. A 2024 DailyPay/Arizent survey found 25% of employers said EWA was their most-adopted benefit. The 3.5% default is intentionally conservative (~22% of the observed upper bound).Sources: OneSource Virtual, "20 Striking Earned Wage Access Statistics" (2024); DailyPay / Arizent employer survey (Jul 2024).
3.5%
Estimated reduction in annual worker attrition from flexible payouts.
Advanced — Payout & Spend
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The CFPB estimates many employer-embedded EWA transfers are in the $50–$200 range. $95 is a mid-range assumption reflecting partial paycheck access rather than full pay advances.Source: CFPB, "Data Spotlight: Developments in the Paycheck Advance Market" (Aug 2024).
Average dollar amount transferred per payout event.
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Workers receiving wages into a stored-value account often use that card as a primary spending vehicle, particularly those without traditional bank accounts (5.9% of U.S. households per FDIC). The 62% default is a mid-range illustrative assumption.Sources: FDIC, "2023 National Survey of Unbanked and Underbanked Households"; Synctera, "Embedded Finance and Payroll" (2024).
62%
Percent of adopters keeping funds in-account and using the card.
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$420/month (~$5,040/yr) reflects conservative spend for a part-time or gig worker using the card for everyday purchases. Adjust based on your workforce's income profile.Illustrative assumption. No single authoritative industry average exists; adjust to your program data.
Monthly purchase volume per active card-spending worker.
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Interchange on embedded prepaid/payroll card programs typically ranges from 1.0%–2.5% of transaction volume. Prepaid cards from smaller institutions may be exempt from the Durbin Amendment cap, enabling higher yields. The 1.10% default is a conservative net yield after revenue splits.Sources: Synctera, "Embedded Finance and Payroll" (2024); Federal Reserve Board, Regulation II Interchange Fee Data (2024); Visa/Mastercard interchange schedules (2024–2025).
1.10%
Modeled net yield after economics split; adjust for your structure.
Advanced — Balance, Float & Reload
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$110 is a conservative mid-cycle balance assumption for payroll card / stored-value accounts between pay cycles. Actual balances may be higher for workers using the account as a primary bank.Illustrative assumption based on program design patterns. Adjust to reflect your observed or projected program data.
Average balance per active spender between payout cycles.
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Float income is earned on pooled deposit balances held between payout cycles. The 3.75% default reflects a conservative short-term yield consistent with prevailing short-duration Treasury and money market rates. Actual yield depends on portfolio composition and rate environment.Reference: U.S. Federal Reserve policy rate environment (2024–2025). Consult your treasury / finance team for program-specific yield assumptions.
3.75%
Illustrative annual yield on aggregate held balances.
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Reload rates typically range from 15%–35% of active cardholders in payroll card programs. The 24% default is a mid-range estimate signaling deeper account adoption.Illustrative assumption based on industry-observed payroll card program patterns. Green Dot Network supports 90,000+ reload locations nationwide.
24%
Percent of adopters who also add funds into the account ecosystem.
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Workers who reload typically do so in alignment with recurring expenses or supplemental income cycles. 1.8 reloads/month is a mid-range assumption.Illustrative assumption. Adjust to reflect your program data or pilot observations.
Estimated monthly frequency of reload activity per reloading worker.
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Reload revenue may include per-transaction fees, network fees, or revenue-share arrangements. $0.60/reload is a conservative platform-level estimate; retail cash reload fees to consumers can range from $3–$6 at point-of-sale.Illustrative modeled assumption. Actual revenue depends on program pricing and network agreements.
Modeled platform-level revenue contribution per reload event.
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Financial wellness benefits are associated with reduced absenteeism and improved productivity. A 2022 PwC survey found financial stress costs employers ~$1,900 per employee annually. $150 is a very conservative soft-value estimate added to replacement cost in the retention ROI calculation.Sources: PwC, "2022 Employee Financial Wellness Survey"; Integrated Benefits Institute, "Financial Stress and Workforce Productivity" (2023).
Optional soft-value estimate per worker retained (productivity, morale, absenteeism).
Methodology note: The five revenue streams modeled here — instant payout fees, interchange, float income, reload revenue, and retention ROI — represent the primary embedded payment value levers for workforce platforms. Each is calculated independently and summed. Defaults are sourced from CFPB, SHRM, GAO, and Federal Reserve publications, cited via the i tooltips. All values are editable and outputs are illustrative.
Estimated annual value
Illustrative output based on your inputs. Use as an executive conversation starter, not a pricing quote.
Total modeled annual impact
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Adjust inputs to generate your estimate.
Instant Payout Revenue
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Interchange Revenue
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Float Income
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Reload Behavior Impact
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Worker Retention ROI
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✓ Executive takeaways
Adjust the inputs on the left to generate your estimate.
Outputs are illustrative and do not represent a Green Dot pricing proposal or guaranteed program outcome. Designed to help workforce platforms estimate potential embedded payment business impact aligned to Arc's workforce positioning: on-demand pay, employee choice, retention, and financial wellness.
Green Dot Corporation, NMLS ID 914924. Arc is the embedded finance platform from Green Dot Corporation (NYSE: GDOT).