The company basically serves as kind of ATM, letting consumers who’ve accrued earnings pay for transactions like an unexpected car repair or an overdue bill without being charged onerous fees from their bank or a payday lender. It doesn’t charge interest, either, but rather invites people to provide it with a non-obligatory tip that they think is fair for the service. Activehours doesn’t take into consideration a person’s credit history. It doesn’t ask for a social security number. Anyone who has a checking account and a job can use the service, regardless of their employer, though Activehours has struck partnerships with companies, including Sears Holdings (which owns Sears and Kmart), to make it easier for its employees to access their accrued pay before their paychecks arrive.

https://techcrunch.com/2017/01/09/activehours-which-makes-every-day-a-payday-just-raised-22-million-in-series-a-funding/