Summary: Ceridian leverages Berkeley’s Payments-as-a-Service Platform to build a Gig Payments Solution for their flagship Human Capital Management (HCM) application, Dayforce Wallet.
Use Case: Digital Banking, Gig Payments
Features: Physical Card Issuing, Real-Time Payments, EFT Transfers, and Cardholder Support

Overview

Ceridian is a global human capital management (HCM) software company. Their primary cloud HCM platform, Dayforce, provides workforce management, payroll, talent management, and human resources capabilities – all within a single platform.

Ceridian was in search of the best Banking-as-a-Service provider to aid them in expanding their Dayforce Wallet’s capabilities – as part of their promise to “Make Work Life Better” for their customers. To do so, Ceridian looked to enable earned wage access as well as other necessary money movement features.

Additionally, Ceridian looked to reduce the time it took an employee to complete the registration process into Ceridian’s payroll system with their employer.

After building a real-time payments solution with Berkeley, Dayforce Wallet users are able to easily request and receive instant wage payouts. From this partnership, Ceridian was able to launch a fully-featured Gig Payments solution with branded cards in record time, at a fraction of the cost of building a proprietary solution.

“By working together with Berkeley Payments, Ceridian is going to be able to launch a fully-featured Gig Payments solution with branded cards in record time at a fraction of the cost of building a proprietary solution.“

The Challenge

Ceridian required a Banking-as-a-Service provider that could enable their users to:

  1. Request a payment advance on earned wages, through the Dayforce Wallet application.
  2. Receive requested payroll funds in real-time, onto a fully-branded physical card through the Mastercard network.
  3. Easily spend funds using the Dayforce Wallet.
  4. Access to special banking features such as ATM withdrawals and electronic fund transfers.

The Solution

Ceridian partnered with Berkeley to offer:

Card Issuing

Fully-branded physical Ceridian Cards. These cards run through the Mastercard Network, and function as any regular debit or credit card. They look beautiful, work around the world at any Point-of-Sale or ATM, and support Google Pay, Samsung Pay, and Apple Pay mobile wallet integration.

24/7/365 Bilingual Cardholder Support

Berkeley provides 24/7/365 cardholder support for Ceridian customers via web, IVR, and live-agent channels; ensuring happy cardholders at any time, anyplace.

Real-Time Money Movement

Robust money movement functionality for features such as payroll deposits, real-time card funding, and ATM money withdrawals. All of these capabilities work identically to how a regular banking application operates, but are executed instantly, and are easily accessible to the cardholder on Ceridian’s Dayforce application.

Electronic Funds Transfer (EFT)

Berkeley’s Open API has enabled Ceridian to provide their cardholders with EFT transfer capabilities, directly through their Dayforce application. This allows cardholders to move money from one account to another electronically.

Results

Berkeley built out Ceridian’s Gig Payments platform to enable their customers to move money through Ceridian’s Dayforce Wallet application without requiring a third-party integration. With Berkeley by their side, Ceridian is able to easily offer their customers payroll deposits direct to a user’s fully-branded physical card. Full money movement functionality was also added, enabling cards to be used like any debit or credit card through the Mastercard network.

Looking for a Payments Partner That Can Help Ship Your Product?

We’re on a mission to enable businesses with the technology needed to bring us into the modern age of payments. Our Gig Payment Solution offers embedded payments to platforms looking to help businesses pay their workers with instant, digital solutions. We reduce the amount of hours that your clients have to spend on expensive old-school payroll processes and empowers their workers with faster pay and digital banking. 

Our solution accomplishes this by providing:

  • KYC and user verification tools to securely onboard workers and get them using your product faster.
  • Debit Cards and FDIC Insured Accounts that provide the medium for workers to get paid and use their funds whenever and wherever.
  • Real-Time Payments and Transfers to pay workers commissions, tips. reimbursements, pensions, or 1099 contractor payments whenever they earn them, all in real-time.

Our Gig Payment Solution offers your clients complete control over the entire payment process from one centralized place. Consider Berkeley Payments as your payments partner in delivering earned-wage-access solutions.

Interested in Setting up a Gig Payments Solution for Your Business?

Berkeley’s payments-as-a-service platform enables all of the financial services capabilities you need to issue cards, transfer funds, and load accounts – all in real-time.

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