ApideckTapeMonthly recap
← Embedded Finance Index 2026

OrbisPay

“Can a small earned wage access platform win employer adoption by bundling financial wellness with payroll-data-driven credit access for underbanked American workers?”

Founded2019
HQNew York City, New York, United States
IndustryFintech / Earned Wage Access
The story

Founded in 2019, OrbisPay (Orbis Financial Technologies, Inc.) launched as a financial wellness platform enabling employees to access earned wages ahead of payday. The company has positioned itself squarely in the on-demand pay / earned wage access (EWA) niche, helping employers reduce turnover and boost retention. A 2019 blog post signaled ambitions to expand into fair-credit products leveraging payroll data, but the core product remains EWA. The company is small (11 employees as of latest data) and privately held, with no disclosed external funding.

Last 12 months
—
Product timeline
2019
Orbis Financial Technologies, Inc. founded as an earned wage access / on-demand pay platform targeting US employers.· banking
2022
Privacy Policy published, indicating active live product with personal and financial data collection including paycheck and debit card information.· banking
2023
Terms of Service updated to March 2023, reflecting ongoing consumer-facing operations under the OrbisPay brand.· banking
The stack
1 layer disclosed in OrbisPay’s embedded-finance stack
Open banking
MX
Accounting gap: minor

OrbisPay — frequently asked

Which open banking provider does OrbisPay use?

OrbisPay connects to bank accounts through MX.

Where is OrbisPay headquartered?

OrbisPay is founded in 2019 and headquartered in New York City, New York, United States.

Benchmark your own stack

Request an embedded finance strategy assessment

Get a read on where your own stack stands against OrbisPay and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.

  • Your category, mappedHow your stack compares to OrbisPay and the other companies in its category.
  • Build vs. buyWhere a provider relationship would close a gap faster than building it.
  • A named analyst, not a form replyA short call to scope what's actually worth assessing for you.

No newsletter, no sharing your address. We use this to reach out about the assessment and nothing else.