Give your team a raise, without raising payroll
Turnover, salary advances and money stress quietly drain your operation. BlueCards eases all three. It is free for you, it changes a worker's month, and your whole team can be on board in an afternoon.
A benefit that pays you back
Fewer people leave
Partners see up to a third less turnover among carded staff. Replacing a trained worker costs weeks of lost output.
No more salary advances
Workers help themselves to pay they have already earned, so your petty cash and your month-end stay calm.
Free, with no risk to you
BlueCards costs the employer nothing. We put up the money and carry the lending risk against verified pay.
Wellbeing you can see
One dashboard shows how many workers use it, wages drawn, savings built and claims paid across your whole team.
Seven months in, and compounding
Every figure below comes from a live pilot across Bangladesh. Companies bring workers, workers bring daily use, and daily use builds a credit dataset no bank has.
See how your workforce is really doing.
Money worries used to be invisible on the factory floor. BlueCards turns them into something you can see, and a reason people stay.
- Adoption, wages drawn and savings, per site, in real time
- Turnover and absence for carded staff against everyone else
- No payroll risk, because we put up the money and carry the lending
Your whole team on board in days, not quarters
No banking migration. No hardware. No cost to you. BlueCards plugs into your payroll and takes care of the rest.
Share your team
Send us a verified staff list, or connect your HR system. There is no new banking software and no hardware to install.
We hand out the cards
Every eligible worker gets a Visa card and its payable cover, each sized to their pay, delivered to the workplace within days. Nothing to install.
Your team feels it fast
Early wages, insurance and savings switch on. You follow adoption and impact from one simple dashboard.
Employers keep their people. Workers breathe easier.
What partners and cardholders tell us after the first pay cycle.
“Our workers used to borrow at 20 percent a month. Now they just take the wages they have already earned, for free. Fewer people quit our night shift, and the ones who stay seem calmer.”
“When my daughter fell ill, I took my own salary a week early and paid the doctor the same day. I did not have to beg anyone for a loan. The insurance covered the hospital too.”
“We signed up two thousand people in one afternoon. Now I can actually see how our workers are doing with money, instead of guessing.”
What partners ask us first
No. We are an independent company. The card runs on the Visa network through a licensed bank partner. We build the technology and the everyday experience on top.
Nothing. Cards, onboarding, the dashboard and support are all free for employers. We earn from card fees and optional products, never from your workers' pay.
It is based on the pay we can verify from payroll, not a traditional credit check. That is how we can say yes to people with no credit history.
Every active cardholder is enrolled in group health and accident cover from a licensed insurer. It grows with time on the job and costs the worker nothing.
No. There is no app, ever. Anyone runs the whole account by voice over a normal phone call — add money, block the card, check a balance or arrange a cash-out, all in their own language.
We are starting in Bangladesh. The same idea, a card built on verified pay, works anywhere people are paid in cash, so we plan to grow across the region.
Your workers keep the lights on. Give them the card they earned.
Join the 62 companies already on board. Free to start, live in days, and clear to see from week one.
No cost. No hardware. Live in days.
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