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Wisely® by ADP

Turn the way you pay into a competitive advantage. Save time and money. Deliver flexibility and convenience.

Wisely is a suite of cost-effective, efficient solutions for diverse payment needs

Attract, engage and retain top talent through the convenience and flexibility of an employee focused payment offering. 100% electronic pay, reduced costs and easy administration can be achieved using Wisely’s innovative technologies and workflows. You can do it all with confidence by partnering with a market leader in payroll innovation.

Delivering convenience, security and financial wellness

With Wisely® by ADP, workers have a new way to get pay and other sources of income that could help save time and costs, support better management and enable efficient control over their money.  The Wisely suite can address several needs:


Move towards more paperless pay with a flexible and cost-effective payment method.

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Financial Wellness

Put financial wellness, money management and spending flexibility into every employee's hand.

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Earned Wage Access

Give employees faster access to their wages and improve their financial wellness without disrupting your regular payroll cycle.

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Wisely has features that take you far beyond pay alone

The world of pay is more complicated than just bi-weekly payroll. With Wisely you can handle many situations with ease.

Compliant, on-demand pay for termination and off-cycle wages

The need to pay employees on an ad hoc basis between regular paydays has grown and Wisely® Now offers an efficient process to handle these payments.


Wisely Now is designed for compliance in all 50 states so you can deliver termination pay with confidence.

Efficiency and ease

Reduce the hassle of coordinating between various departments, managers and payroll resources with a single interface that allows you to manage all your off-cycle pay needs, offering multiple ways to pay your employees in the manner they want.

Easy administration

With either the debit card or instant check option, you can authorize checks, transfer funds instantly to registered debit cards and view account balances so you have complete control over the process.

Managing tips could be easy

Wisely Pay by ADP, in partnership with Gratuity Solutions, LLC*, enables  you to pay tips virtually instantly on the Wisely Pay card to help reduce the amount of cash you need to maintain on hand to pay employee tips — and your enrolled employees get secure access to the tips they’ve earned at the payment frequency you choose.

Streamline and automate gratuity payments

Using the Wisely Pay card, along with Gratuity Solutions’ and POS Sync application to pay tips could help:

  • Reduce time – reduces the hours and effort associated with paying tips to employees
  • Mitigate risk – provides a secure way to pay tips to employees, that reduces the need for cash on hand
  • Improve productivity – enables managers to enroll employees and  fund Wisely cards within seconds,   transferring tips at the end of a shift or at the frequency they choose
  • Enhance employee experience – provides employees quick access to funds for cash or purchases, using their Wisely card.

*A separate agreement with Gratuity Solutions, LLC for the integrated solution is required.

Trend watch: The rise of the unbanked worker

Not everyone uses banks and for many of today’s workers, electronic pay is a top priority.


US households are either unbanked or underbanked 1


of young workers prefer a paycard because they don’t want a bank account 2


of the labor force are young Millennial workers 3

Awards and recognition

The evolving world of pay will change your business. Here’s how:

Research shows that today’s workers want more than traditional pay options. Set your company apart with the speed, security and flexibility of Wisely.

View Evolution of Pay infographic

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1. Source:

2. Source: ADP, Inc., Paycard: “Generational Trends Shaping the Future of Worker Pay", September 2017

3. Source:


The Wisely Pay® prepaid card and debit VISA or Mastercard are issued by Fifth Third Bank, N.A. Member FDIC, pursuant to a license from Mastercard International or Visa U.S.A. Inc. The Wisely Pay® prepaid card can be used everywhere Debit VISA or Mastercard is accepted. The Wisely® Direct card is issued by Fifth Third Bank, N.A. Member FDIC, pursuant to a license from Mastercard International. The Wisely® Direct card can be used everywhere Debit Mastercard is accepted.


Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Visa and the Visa logo are registered trademarks of Visa International Service Association. Apple, the Apple logo, and Apple Pay are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google LLC. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Western Union is a registered trademark of Western Union Holdings, Inc. MoneyPak is provided by Green Dot Corporation. Green Dot and MoneyPak are registered trademarks of Green Dot Corporation. Reload @ the Register is a trademark of Green Dot Corporation. Venmo is a registered trademark of PayPal, Inc. MoneyPass is a registered trademark of Genpass, Inc. Wisely and myWisely® are registered trademarks of ADP, Inc. ADP is a registered ISO of Fifth Third Bank, N.A. Copyright © ADP, Inc. All rights reserved.