Patch Systems
Reach pay you already earned
About
Access earned wages before payday with instant transfers. Offers a payroll card and a loan option with fixed APR, all managed within one application.
What's New in Patch Systems
1.0.2
October 24, 2026
- New navigation and faster Home loading - Change your PIN, or reset it if you forget it - Change your email - Bug fixes and improvements
MoreFAQ
How does Patch Systems help me access my pay?
Patch Systems allows you to access up to half of the pay you have already earned before your scheduled payday. You can choose between standard transfers at no cost or instant transfers for a $3.99 fee.
What are the terms for the loan offered by Patch Systems?
The loan has a fixed APR of 19.99 percent and is paid back over twelve months directly from your paycheck. To qualify, you need twelve months of employment with your employer, and it is not available in all states.
Does Patch Systems have ads?
No, Patch Systems is ad-free. The application focuses on providing financial services without displaying advertisements to users.
What is the Patch Card?
The Patch Card is a payroll Mastercard that consolidates your pay and any transfers you make. It has no monthly fees and no minimum balance requirement, and can be used wherever Debit Mastercard is accepted.
Is Patch Systems available on Android devices?
Currently, Patch Systems is only supported on iPhone devices. The application has been released for iOS and is not yet available for Android users.
How often is Patch Systems updated?
The latest version of Patch Systems is 1.0.2, which was last updated on October 24, 2026. Updates typically address performance improvements and bug fixes to ensure a smooth user experience.
What is the age rating for Patch Systems?
Patch Systems has an age rating of 4+. This indicates that the content is generally suitable for all ages, with no mature themes or content that would be inappropriate for younger users.
How secure is Patch Systems?
While specific security measures are not detailed, financial applications like Patch Systems typically employ industry-standard security protocols to protect user data and financial transactions. Workplace loans are originated by Sunrise Banks, N.A., Member FDIC.
