
Since WWII, America’s two-week pay cycle has seen ordinary workers having to wait for their paycheque to pay their bills, put food on the table and cover any expenses. With anywhere from 30-77% of Americans living paycheque to paycheque, this antiquated model has seen many go into debt, with others struggling to maintain healthy finances. Earned wage access has changed all that. Now, workers can access the money they have already earned whenever they want it. Leading this change is DailyPay, whose platform of financial health products underpins its mission to improve financial wellness for ordinary workers. In today’s episode, DailyPay’s Chief Commercial Officer Ryan Mang explains the innovations behind this transformation and the impact it's having on employees, employers and the wider economy – both in America and beyond.
Listen and subscribe
Available now on all major podcast streaming platforms.
Help consumers move money easily and securely in real-time
See how Visa Direct helps businesses give fast and convenient access to workers earnings through eligible debit cards.


- Actual fund availability varies by receiving financial institution, receiving account type and whether transaction is domestic or cross-border.
- Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations.
- Visa Inc. (2024). 2024 Annual Report.
- Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.