Revenue Modeling Tool

How Workforce Platforms Generate Revenue from Embedded Payments

Flexible payout experiences can do more than improve the worker experience. They can also create meaningful business value across revenue, engagement, and retention. For workforce and gig platforms, features like instant pay, stored-value accounts, card-based spending, and reload behavior can support workers’ financial wellness while also unlocking new economic upside for the platform.

This calculator is designed to help HR, operations, product, and finance leaders estimate that impact using their own assumptions. Start with a few core inputs, then open advanced assumptions if you want to refine interchange, float, reload, and retention scenarios in more detail.

Model payout adoption Estimate the revenue impact of workers choosing instant payout and account-based payment experiences.

Project program economics Explore how interchange, balances, and reload behavior can contribute to annual program value.

Quantify retention upside Pressure-test how better payout flexibility may support worker satisfaction, loyalty, and retention ROI.

Build the internal business case Give HR leaders, CFOs, and platform executives a practical framework for evaluating embedded payments.

Use the calculator below to test your assumptions and generate an illustrative annual value estimate based on your workforce model.

7k partners across multiple programs and use cases

90K+ deposit locations to support cash access and convenience

$230B processed annually across Green Dot’s ecosystem

80M+ managed accounts to date, signaling operational scale

Model your business case

Start with the essential inputs. Open advanced assumptions for a more detailed scenario model.

This executive version keeps the starting view simple: workforce size, instant payout adoption, payout frequency, and replacement cost. Advanced assumptions let you refine spend behavior, interchange, float, reloads, and softer financial wellness value.

Core assumptions

Active workers

Total active workers eligible for payouts.

Replacement cost per lost worker ($)

Estimated hiring, onboarding, and productivity replacement cost.

Worker instant payout adoption rate

38%

Percent of workers using instant payout or stored-value payout experiences.

Instant payouts per adopting worker / month

How often an adopting worker uses an instant payout option.

Revenue per instant payout ($)

Modeled gross revenue generated by each payout event.

Retention improvement from payout flexibility

3.5%

Estimated reduction in annual worker attrition tied to a better payout experience.

Advanced payout and spend assumptions

Average payout amount ($)

Average payout transferred each time.

Adopters using their account or card for spend

62%

Percent of adopters who keep funds in the account and use the card.

Average monthly card spend per spender ($)

Monthly purchase volume flowing across the program.

Net interchange yield

1.10%

Modeled net yield after your economics; adjustable for your structure.

Advanced balance and reload assumptions

Average held balance per active spender ($)

Average balance held between payout cycles.

Annualized float yield

3.75%

Illustrative annual yield on held balances.

Workers adding funds to stored-value accounts

24%

Percent of adopters who also reload or add funds into the account ecosystem.

Reload events per reloading worker / month

Estimated monthly frequency of reload activity.

Modeled revenue per reload ($)

Illustrative revenue contribution per reload event.

Additional annual financial wellness / satisfaction value per retained worker ($)

Optional soft-value estimate from improved morale, attendance, or satisfaction.

Estimated annual value

Illustrative output based on your inputs. Use this as an executive conversation starter, not a pricing quote.

Total modeled annual impact

Combined modeled revenue and workforce value from embedded payments and retention.

Instant payout revenue

0 payout events annually

Interchange revenue

0 active spenders

Float income

$0 in modeled average balances

Reload behavior impact

0 reload events annually

Worker retention ROI

0 workers retained through improved payout flexibility

Executive takeaways

This model updates automatically based on your assumptions.

Assumptions are illustrative and intentionally editable. Outputs do not represent a Green Dot pricing proposal or guaranteed outcome. They are designed to help a workforce platform estimate the potential business impact of embedded payment experiences aligned to Arc’s workforce positioning around flexibility, convenience, financial wellness, and retention. Arc’s workforce messaging highlights on-demand pay, employee choice, and improved retention and morale. Arc also presents scale signals, including partners, deposit locations, annual processing volume, and managed accounts to date. See Workforce solutions