Patch Systems
Reach pay you already earned
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
Patch Systems is for people who work at businesses that use Patch Systems. Your employer turns it on, and it costs you nothing to have.
Reach pay you have already earned
You worked the hours. You should not have to wait until Friday to reach the money. Take what you have earned so far this pay period, up to half of it, whenever you need it. Standard transfers cost nothing. Instant transfers cost $3.99. No interest, no credit check, and nothing comes out of your next check beyond what you took.
Every shift adds to it. Work an hour and a little more is ready.
A loan that is not a payday loan
Between 1,000 and 5,000 dollars at 19.99 percent fixed APR, paid back over twelve months straight out of your check. No credit check. You need twelve months with your employer to qualify, and it is not available in every state.
The Patch Card
A payroll Mastercard that holds your pay and your transfers in one place. No monthly fees and no minimum balance. Use it anywhere Debit Mastercard is accepted, or activate a virtual card for buying online.
One app
Your earned pay, your loan and your card in the same place. Set up direct deposit, see what you have earned this period, and move money without asking anyone.
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Rates, terms, fees and availability vary by state, by employer and by your own qualifications. Workplace loans are originated by Sunrise Banks, N.A., Member FDIC, and are not available in all states. The Patch Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to a license by Mastercard International Incorporated.
Ratings & Reviews
- PIN setup and change, biometrics on/off
- Worker email change with verification
- Push notifications now open the right screen
- Virtual Healthcare section
- Incoming and outgoing icons on card transactions
- Existing users can link a new company invite without a “can’t join the same company” error
- Various bug fixes
The developer, Patch Systems, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Patch Systems, Inc.
- Size
- 38.3 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.0 or later.
- iPhone
- Languages
- English and Spanish
- Age Rating
4+
- 4+
- Copyright
- © Copyright 2026 Patch Systems, Inc. All rights reserved.