Welcome to freedom of pay

Hello, we’re Hi. An innovative FinTech created to help companies unlock fast, affordable working capital and pay employees more flexibly. How do we do it? We’ve created a new type of finance. We call it Pay Asset Finance – a new asset class that makes payroll accessible for everyone.

For companies, Hi lets them defer payroll by 8-12 weeks and release the capital back into the business. This means we can help companies improve financial liquidity, access a new source of working capital and, with our flexible pay products for employees, we can help businesses attract and retain the best talent.

For employees, Hi’s products mean they can freely access their money and be paid when they want. Gone are the days of the monthly payday – with Hi, employees can access their pay weekly or daily, helping to increase financial freedom, flexibility and wellbeing.

Hi is the only product to unlock working capital from an employee benefit As a new source of capital, PAF doesn’t add more debt to the balance sheet Hi never charges employees to access their earned money

The employer will be charged for the financing of payroll to access working capital alongside a small monthly charge to the employer per employee, which can form part of a firm’s employee benefit and retention schemes.

Hello! We are Hi, a Social Enterprise and pay platform committed to “Making the World Financially Stronger”.

Hi was created by UK-based fintech Hi55 Ventures. It is fully serviced, managed, and operated by Hi55 Ventures.

Pay Asset Finance helps companies optimise their working capital by deferring payroll for 8-12 weeks, whilst we simultaneously offer employees access to the earned money either weekly, or daily via our unique salary access card.

Hi is currently available to any company employing over 50 people.

Hi makes pay, pay, by offering a new type of business finance. We help companies unlock affordable working capital and provide an attractive new employee benefit. Hi makes pay, pay, by giving employees easier and earlier access to the money they’ve earned.

All deductions – tax, pensions and other employee benefits – are unaffected. They are paid as normal by both parties.

A payroll debt (i.e. owed wages) doesn’t appear on a company’s balance sheet, other than a payroll obligation so taking advantage of the scheme should not affect a company’s credit rating.

Our real-time pay calculations are generated from using a 'shadow payroll' system that sits behind your regular payroll, meaning minimal onboarding is required and zero risk to your employee's finances. It also means that whichever system you currently use, you are also able to use Hi.

Hello! We are Hi, a Social Enterprise and pay platform committed to “Making the World Financially Stronger”.

A Social Enterprise is a business that puts positive social impact at the heart of their activity. This is certified by the independent organisation, Social Enterprise UK.

Hi offers employees financial control with real-time access to pay via a card with a limit in line with their earnings.

Hi boosts the financial wellbeing of workers with free, flexible access to pay. Gone are the days of the monthly payday – with Hi, you can access your money as soon as you earn it.

Every day you work, your spending limit on the card increases! This provides instant, no touch access to your money, when you need it. At the end of the month your employer runs payroll like normal, the card limit resets to zero and the remaining balance is paid into your normal bank account. Whatever you’ve spent on the card will simply appear on your payslip under ‘Deductions’.

Hi currently provides access to 50% of your gross pay, up to a limit of £600. You can also set your own spending limits and alerts within the app.

Hi is, and always will be, totally free for employees. The cost is covered by your employer, as part of your benefits package.

You will receive an invitation to enrol via email. Simply follow the link to download the Hi app and order your card.

No, Hi is about early access, not advances on pay. Our aim is to improve financial freedom and flexibility for employees, not leave you in debt.

No. We only give you access to the money you have already earned.

No, this is not a loan and we do not need to run any form of credit check.

Yes, you will always receive your pay in full. Any card spend within the month will simply appear as a deduction on your payslip.

It is voluntary. If you do not sign up you will stay on your normal pay cycle.

If your card was activated after your employer has finalised payroll for the month, you won’t be able to accrue any pay on the card for that period. Your card will begin accruing pay from the beginning of the next pay period, typically the first working day of the month.

For security reasons, the only way you can currently access your PIN number so you can use the card is through the app via a smartphone.