1,000,000+ PTO Hours Exchanged
- PTO Exchange
- Life Planning Account (LPA)
- Giving Exchange
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Early Access Cash Out — Your Pay, Before Payday.
Sometimes employees need access to what they've already earned before the next pay cycle arrives. Early Access Cash Out gives employees a debt-free path to immediate funds using their accrued earned wages — not a loan, not a payday advance. Just access to value that's already theirs.
Early Access Cash Out — Your Pay, Before Payday.
Sometimes employees need access to what they've already earned before the next pay cycle arrives. Early Access Cash Out gives employees a debt-free path to immediate funds using their accrued earned wages — not a loan, not a payday advance. Just access to value that's already theirs.
Early Access Cash Out — Your Pay, Before Payday.
Sometimes employees need access to what they've already earned before the next pay cycle arrives. Early Access Cash Out gives employees a debt-free path to immediate funds using their accrued earned wages — not a loan, not a payday advance. Just access to value that's already theirs.
One Benefit. Every Generation. Every Financial Goal.
For the first time in history, six generations share the same workforce — each with completely different financial priorities. No single benefit has ever addressed all of them. Until now.
Cash Out
Convert PTO into immediate cash. When life throws the unexpected your way, your employees shouldn't have to wait for payday. Cash Out lets them convert the value of unused PTO into funds theycan access when they need them most — debt-free, using value they've already earned.
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Emergency Cash
Fast access to funds when it matters most. A car repair. A medical bill. A broken furnace. Emergencies don't wait — and neither should your employees. Emergency Cash gives them fast access to funds using their earned PTO value, without a loan, a debt, or an advance onfuture pay.
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Retirement
Invest in long-term financial security. Help employees build the retirement they deserve using value they've already earned. PTO Exchange enables pre-tax contributions to 401(k),Roth 401(k), 403(b), and 457 plans — turning unused time off into real long-term wealth without touching today's paycheck.
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Health Savings
Cover healthcare costs, tax-advantaged. Let employeesdirect unused PTO value toward pre-tax HSA contributions —reducing out-of-pocket healthcare costs and building a tax-advantaged safety net for medical expenses at any lifestage.
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Travel
Fund meaningful life experiences. Time off should mean time lived. Employees can direct unused PTO value toward discounted airfare, hotels, and car rentals — turning hours they can't takeinto trips they'll remember.
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Education
Invest in learning and growth. Support your employees' futures — and their families'. PTO Exchange enables student loan repayments, tuition payments, and 529 college savings contributions funded by the value of unused earnedtime.
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Giving
Donate to causes that matter. Employees can direct the value of their unused PTO toward charitable donations to any qualifying 501(c)(3) — turning earned time into a force for
good in their communities.
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Sharing
Give time directly to a colleague in need. When a coworker faces a hardship and exhausts their PTO, employees can donate their unused hours to support them. Leave sharing helps build the kind of workplace culture that no benefits brochure can manufacture—it has to be lived.
WHY PTO EXCHANGE
The Only Platform Built From the Ground Up for This.
Patented & IRS-Compliant
Most organizations running informal PTO cash-out programs areunknowingly violating IRS Constructive Receipt rules. PTO Exchangeholds U.S. Patent US10108933 B1 and is IRS-validated throughprivate letter rulings — so you're protected in all 50 states, everytime. No workarounds. No gray areas.
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U.S. Patent US10108933 B1
Debt-Free by Design
Unlike Earned Wage Access products that pull from future pay, PTOExchange uses value employees have already earned. There is nodebt, no advance, no repayment — just choice.
TRADITIONAL EWA
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Debt Owed
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Pay Advance
TRADITIONAL EWA
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No Debt
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No Repayment
Patented & IRS-Compliant
Most organizations running informal PTO cash-out programs areunknowingly violating IRS Constructive Receipt rules. PTO Exchangeholds U.S. Patent US10108933 B1 and is IRS-validated throughprivate letter rulings — so you're protected in all 50 states, everytime. No workarounds. No gray areas.
Patented & IRS-Compliant
Most organizations running informal PTO cash-out programs areunknowingly violating IRS Constructive Receipt rules. PTO Exchangeholds U.S. Patent US10108933 B1 and is IRS-validated throughprivate letter rulings — so you're protected in all 50 states, everytime. No workarounds. No gray areas.
Emma Parkar SEO Manager
PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.
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Emma Parkar SEO Manager
PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.
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Emma Parkar SEO Manager
PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.
Emma Parkar SEO Manager
PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.
Emma Parkar SEO Manager
PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.
Emma Parkar SEO Manager
PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.
Emma Parkar SEO Manager
PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.
Emma Parkar SEO Manager
PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.
Emma Parkar SEO Manager
PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.
Emma Parkar SEO Manager
PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.
Emma Parkar SEO Manager
PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.
Emma Parkar SEO Manager
PTO Exchange helped us reduce our PTO liability by over 30% in under 6 months — without adding any cost to the business. It’s one of the most impactful benefits decisions we’ve made.
Frequently Asked Question
01
Is PTO Exchange IRS-compliant?
Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by
02
Does PTO Exchange create any new cost for employers?
Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by
03
Which HRIS and payroll systems does PTO Exchange integrate with?
Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by
04
What is the difference between PTO Exchange and Earned Wage Access?
Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by
05
How long does implementation typically take?
Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by
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