Branch provides workforce payment solutions that help businesses pay W-2 employees and 1099 independent contractors quickly and flexibly. Its platform supports cashless tips and mileage reimbursements, earned wage access, paycard and direct deposit options, contractor payouts, tip pooling, and embedded finance. Businesses can choose ready-to-use services or customized, branded payment experiences through the Branch app and card, Branch Direct, and other solutions.

Designed for organizations across healthcare, hospitality, logistics and transportation, business services, construction, agriculture, and gig platforms and marketplaces, Branch aims to simplify payroll and improve workers’ access to earnings. The platform can integrate with human capital management, payroll, tax, and time-and-attendance systems, and the company says it can be launched without large deposits or pre-funding. Branch is available to companies at no cost, with free options for workers, including a bank account, faster access to earnings, and personal finance tools. Branch states that it is not a bank; banking services are provided by partner banks, and eligible accounts may qualify for FDIC insurance subject to applicable terms.