ONE@Work (formerly Even) vs SpendPath

ONE@Work (formerly Even) partners with leading employers, like Walmart, to provide simple tools that help you take control of your pay — without the hassle. Through ONE@Work, you can: - Get paid early* – With Instapay, access your net earnings before payday to help cover the unexpected. No fees** or hidden interest. - Track your earnings – See your work schedule and track how much you’ll make per shift and per paycheck – no more guesswork.** - Save automatically – Choose a percentage you want to save and we’ll deduct it from your paycheck automatically. - Budget easily – When you connect your bank account, ONE@Work helps you calculate what’s okay to spend. ONE@Work is only available as an employer-provided benefit. ONE@Work Save is powered by Cross River Bank, Member FDIC or Coastal Community Bank, Member FDIC. * Instapay is currently unavailable for Walmart associates in NY. ** Only available for members whose employers have configured this benefit within the app.

SPS SpendPath is the modern, compliance-driven mobile app designed for K-12 districts and local government entities that need a smarter, safer way to manage procurement card activity, travel, and discretionary spend. Built by Strategic Payment Services, SpendPath brings intelligent controls, mobile-first workflows, and real-time visibility directly to your staff — ensuring every dollar is spent responsibly and every approval moves without friction. SpendPath eliminates the bottlenecks and risks that come with manual expense processes. Staff can capture receipts instantly, submit expenses on the go, and complete approvals in minutes. Finance teams gain immediate insight into spend across departments, programs, and cardholders, with policy-driven guardrails that prevent non-compliant purchases before they occur. Designed specifically for public-sector operations, SpendPath reflects travel policies, audit requirements, and the accountability standards expected of districts, counties, and municipalities. Every workflow is built to strengthen internal controls, reduce administrative burden, and support responsible stewardship of public funds. Key Features: • Mobile Receipt Capture Snap, upload, and attach receipts instantly — no more lost paperwork or end-of-month scrambling. • Smart Expense Submission Submit expenses directly from your device with automated categorization and policy-aligned workflows. • Mobile Approvals Review and approve transactions in seconds, keeping operations moving without delays or bottlenecks. • Real-Time Spend Visibility View card activity, expense status, and department-level spend in a clean, intuitive interface. • Policy-Driven Guardrails Built-in controls ensure purchases align with district or municipal policy before they happen. • Audit-Ready Transparency Every transaction includes a clear trail of receipts, approvals, and documentation for effortless audits. • Role-Based Permissions Ensure the right people have the right access, from cardholders to department heads to finance teams. • Integrated Travel Workflows Submit, approve, and track travel requests with pre-configured rules and automated routing. SpendPath empowers public-sector staff to work faster and more confidently, while giving leadership the transparency and control needed to protect public dollars. Whether you’re a cardholder, approver, bookkeeper, or administrator, SpendPath simplifies your workflow and strengthens your organization’s financial integrity. SPS SpendPath — Smart controls. Modern workflows. Total transparency.