Clients’ staff can use the digital wallet and prepaid payment card, issued by the Central Bank of Kansas, to spend wages earned since their last payday. The Toronto-run HR software company won’t charge workers or employers transaction fees, although they may be charged for using the card outside the designated ATM network. (The Logic)

Talking point: Retail and service giants with lots of low-wage employees have adopted third-party apps that provide a similar cash-before-payday service. But some policymakers say the percentage or monthly fees these startups charge aren’t much better than the payday lenders they claim to be trying to replace. Ceridian’s no-fee model should dodge that criticism; clients are already using its software to run payroll, making the feature easier to adopt than a third-party service.