Wagestream (Humanforce Stream)
- Model
- Employer-sponsored
- Employee fee
- Withdrawal fee (employer can subsidise)
- Interest
- None
- Max advance
- Up to 50% of earned wages
- Repayment term
- Next pay run
- Cost of advance
- —
Wagestream (Humanforce Stream)
Employer-sponsored EWA integrated with Humanforce workforce management, free for employers.
- Model
- Employer-sponsored
- Max advance
- Up to 50% of earned wages
- Interest
- None
- App (iOS)
- 4.4 / 5
Best for
Best for employers using Humanforce workforce management
Pricing breakdown
Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Setup fee
- Free for employer
Online payments
Online checkout and keyed-in card transactions.
- Setup fee
- Free for employer
Contract terms
- Contract length
- Contact provider
Last verified 21 May 2026.
Strengths and trade-offs
Pros
- Free for employers to offer
- Integrates with Humanforce and 350+ systems
- Employer can subsidise the employee fee
- Holds an Australian Financial Services Licence
Cons
- Requires employer sign-up
- Best value when already using Humanforce
- Pricing only on request
About Wagestream (Humanforce Stream)
Wagestream, now branded Humanforce Stream after Humanforce acquired the Australian business in 2023, is an employer-sponsored earned wage access provider. Employees can access up to 50% of earned wages early, paying a withdrawal fee that the employer can choose to subsidise, and the service is free for employers. It integrates with the Humanforce workforce management platform and 350+ other systems. Pricing is provided on request and it operates under an Australian Financial Services Licence.
Wagestream (Humanforce Stream) was founded in 2018 and is headquartered in Sydney, Australia.
How Wagestream (Humanforce Stream) compares
Side-by-side with the closest alternatives by estimated cost.
Based on a $500 advance repaid in 7 days.
CommBank AdvancePay
$5 est.
- Model
- Consumer-direct (bank product)
- Employee fee
- $5 per $500 (about 1%)
- Interest
- None (14.90% p.a. only if overdue)
- Max advance
- Assessed individually
- Repayment term
- By next pay
- Cost of advance
- $5
Employment Hero EWA
$8 est.
- Model
- Employer-sponsored
- Employee fee
- 1.3% (Swag Wallet) or 1.5% (bank account)
- Interest
- None
- Max advance
- Up to 50% of earned wages
- Repayment term
- Next pay run
- Cost of advance
- $8
Beforepay
$25 est.
- Model
- Consumer-direct
- Employee fee
- 5% flat
- Interest
- None
- Max advance
- Up to $2,000
- Repayment term
- Up to 62 days (4 instalments)
- Cost of advance
- $25
Common questions about Wagestream (Humanforce Stream)
The same questions Australian merchants ask before signing up.
Wagestream (Humanforce Stream) does not publish a standard rate in Australia. Pricing is quoted based on your business size, industry, and card mix. Request a quote on their site, or use our free fee calculator to compare against providers that do publish rates.
Wagestream (Humanforce Stream) contract terms in Australia: Contact provider. Check the fine print for any early termination fees before signing.
Wagestream (Humanforce Stream) settlement times are not publicly listed.
Wagestream (Humanforce Stream) AMEX pricing in Australia is not publicly listed. Ask their sales team whether AMEX acceptance and rates are included.
Wagestream (Humanforce Stream) does not advertise least-cost routing for Australian merchants. If you take a lot of contactless debit, compare against providers that do support it on our comparison page.
Wagestream (Humanforce Stream) is best suited to best for employers using humanforce workforce management. To see how it stacks up for your specific volume and card mix, try our free fee calculator.
We may earn a commission when you click through to Wagestream (Humanforce Stream) and sign up, where a commercial arrangement is in place. This never affects ranking, the data we publish, or the comparisons we make on this page. Read our terms for the full picture.
We may earn a commission when you click through to a provider. This never affects ranking or data shown. Read our terms.
Compare Wagestream (Humanforce Stream)
Compare Wagestream (Humanforce Stream) against every other Australian provider on price, contract terms, and features.