IGsend is secure, easy to use and integrates with HR, Payroll and Finance.
This gives businesses the ability to pay employees more frequently, a platform
to record transactions and access to different lending options.


On-demand is in demand


of employers say EWA helps them attract and retain talent


of employees across all ages and income levels say it’s important for their employer to offer EWA


of employers say EWA improves their employees’ sense of financial security

IGsend App

When pre-approved by a business, the IGsend app allows employees to tap and receive their
earned wages in to their bank account in seconds – free of charge.

Free to use

IGsend EWA is free to employees


Intelligent app design means ease-of-use for the employee

No interest

Pay no interest or charges on any withdrawals


Withdrawals are paid into employee bank accounts instantly


Works across Apple and Android devices as well as all web browsers


All personal and financial data is safe and secure


Income Group works with partners that provide the capital to fund business.
This gives the ability to repurpose funds for growth and provides the technology for employees to access pay.

Earned Wage Access Lending

Helps businesses facilitate EWA, to give employees control of their finances.

Working Capital Advance

A quick and flexible solution to address capital requirements.

Merchant Cash Advance

Receive a lump sum of capital upfront in exchange for a percentage of daily credit card sales.

IGsend powers payroll payments


Payments can be scheduled in
advance but still be changed
one second before payments


Authorised and regulated by
the financial conduct authority.


Make payments instantly in real
time, avoding the 3 day wait
with BACS.

Don't take our word for it...

Find out how utilising IGsend helped a business process a payroll for over 3,000 employees just 90 minutes after an alarm was raised.

Frequently Asked Questions

IGsend is a multipurpose payment platform which enables Earned Wage Access and Faster Payments.

IGsend is an easy to use, flexible and affordable instant payments solution which enables Earned Wage Access and Faster Payments.  IGsend allows payroll teams to pay employees instantly 24/7, 365 and allows employees to draw down a percentage of their wages any time with no charge.

Income Group is authorised and regulated by the Financial Conduct Authority, with reference number 809483. UK businesses across multiple industries trust IGsend to process their payroll payments on time, every time.

Income Group is partnered with Mastercard, Starling Bank and Citi Bank, so all data and money is encrypted, regulated and safeguarded.

Earned Wage Access (EWA) is a way for employees to access their wages as soon as they earn them, and control their finances. For employers, this helps improve the employee engagement and track or retain the best talent. Learn more in our blog post.

Through IGsend businesses can access the following lending options:

  1. Earned Wage Access Lending 
    This type of lending helps businesses to facilitate EWA, giving employees control of their finances.
  2. Working Capital Advance
    This lending option is a quick and flexible solution to address capital requirements.
  3. Merchant Cash Advance 
    This style of lending gives you access to a lump sum of capital upfront in exchange for a percentage of daily credit card sales.

IGsend uses Faster Payments technology to pay employees instantly. There are a number of benefits for using Faster Payments in the payroll process, including:

  1. Allows you to pay employees instantly
    With Faster Payroll Payments, employees can receive funds into their bank accounts instantly as soon as payroll is processed by the employer. This is rapidly faster than BACS payment methods, which require 3 working days to be processed and for funds to land in the employee’s bank account.
  2. Allows you to make adjustments to pay quickly
    See the instant outcome of payroll and quickly identify any errors with Faster Payroll Payments. Then, correct those payments and resubmit payroll on the same day, instead of having to wait another 3 days for BACS payments to clear.
  3. Enables payroll teams to set unique payroll payment schedules
    Not only does Faster Payments in payroll allow you to pay employees instantly, it also lets you set your own payroll payment timescales to suit your business and employees’ needs. So, employees who pick up extra shifts to earn extra cash can get paid within minutes of finishing their shift, instead of having to wait weeks until the next payday.

Find out more about the benefits of Faster Payments in our blog.

To ensure your funds are safe, Income Group follows a process known as “safeguarding”, which is a regulatory requirement for all electronic money institutions. In this process Income Group keeps your funds separate from its own funds and place them in a “safeguarded account” with Citi and Starling Bank.
Electronic Money issued is not covered by any Deposit Guarantee Scheme, which is a government backed scheme offering protection to customers’ funds of up to £85,000 in the UK under the FSCS per customer. However, in the event of an insolvency, your funds would remain in the safeguarded account at the designated bank and separated from Income Group’s accounts.
In the event of Income Group going out of business, an insolvency practitioner would be appointed to return the funds Income Group has safeguarded for the customers. This means you would get most of your funds back, except for the costs deducted by the insolvency practitioner for returning the funds to the customers.

There is no obligation to sign up to IGsend after the demo.
During the demo, a member of Income Group’s friendly team will talk you through IGsend through a screensharing session. This will allow you to see a live demo version of the platform, so that you can see how data can be uploaded, how payroll is processed and how data is kept secure. The demos are a great way to see IGsend in action, and for you to ask any questions you may have on how IGsend integrates with your payroll.

See how much you can save by using EWA

Click/tap to load our interactive calculator and find out your cost saving in seconds!