Wisely is a prepaid payroll card and money-management service brought to you by ADP. Designed to give users greater flexibility and control over their finances, it combines a Wisely card with the myWisely mobile app and online account tools. Eligible users can receive direct deposits up to two days early, though timing depends on the payor and other conditions. The card can be used for purchases wherever the applicable Visa debit or Mastercard debit card is accepted, and users can pay bills online, in the app, or by phone.

Wisely also offers a rewards program with discounts on selected gift cards, shopping, dining, and travel, as well as tools to track spending, manage balances, move money, and set aside savings. Account features include card-lock controls, support for lost or stolen cards, and access to a network of surcharge-free ATMs, subject to account terms. Wisely promotes transparent fee information and provides financial wellness resources to help users plan and manage everyday money.