Your pay, on your schedule.
Earned wage access (also called on-demand pay) lets employees access a portion of wages they've already earned before the scheduled payday. Here's how Emet makes that simple, safe, and clear for Canada.
Your pay, on your schedule.
Earned wage access is simple: you've already worked for the money — Emet helps you use it when you need it. Three clear steps. Transparent fees. Built for employees across Canada.
Verify your employment
Connect securely and confirm you're employed with steady income. Direct-to-consumer signup or through your employer's payroll integration — both work.
See wages you've earned
View how much of your paycheck is already available. You access money you've earned.
Transfer when you need it
Move funds to your Canadian bank account in minutes. Small, transparent fees — not payday-lender rates. The rest arrives on payday as usual.
Verify employment or connect via work
Start direct-to-consumer with secure income verification, or get access through an employer payroll integration. Either path confirms you're employed before funds are available.
- Secure connection and income verification
- Direct signup for employees when we launch
- Employer integrations for workplace benefits
- Built for Canadian banks and CAD transfers
Only access what you've already earned
Emet shows an available balance based on wages you've worked for in the current pay cycle — not a blank cheque against future income.
- Clear available vs earned totals
- Responsible limits to keep access healthy
- Remaining wages still arrive on payday
- Designed as an alternative to payday loans
Transfer with transparent, low fees
Choose when to move funds to your account. You'll see fees before you confirm — no hidden interest loops or credit-scare tactics.
- Fast transfer options when you need speed
- Fees shown upfront before confirmation
- No hard credit check to get started
- Free waitlist signup with zero commitment
Join free — no strings attached
Reserve early access for September 1, 2026. Free to join, free to leave. One calm update before launch.
Join the waitlist