Unused PTO is a universal problem.
Regardless of how you structure time off, accrued but unused PTO is a funded liability on your balance sheet. PTO Exchange is the only patented platform that lets employees convert that time into real financial value, at zero net cost to the employer.
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Trusted by Leading Organizations
Serving All Industries with PTO Programs
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Healthcare

Fix nursing burnout 
and 403(b) gaps.
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Financial Services
Audit-ready compliance for elite talent.
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Nonprofit

Compete for talent with zero salary spend.
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Manufacturing
Reward production without operational downtime.
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Professional Services
Convert billable time into premium rewards.
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Higher Education
Modernize faculty benefits and 403(b) growth.
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Retail
Simplify workforce management and boost employee satisfaction.
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Government
Modernize public sector benefits and improve retirement plan participation.
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Transportation
Optimize transit operations and drive higher retention among your crew.
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Quick and Easy Implementation. Be Live in 90 Days.
Our full-service, managed implementation ensures zero disruption to your core operations, regardless of industry complexity, and quick path to go-live and ROI.

Ready to Add a Benefit That Costs Your Organization Nothing?

Explore how offering a PTO exchange program fits with your organization, payroll infrastructure, and Total Rewards strategy. Majority of implementations are complete in weeks, and already paying for themselves from day one.

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Frequently Asked Questions

01

Does PTO Exchange work for shift-based clinical staff?

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  • Yes. PTO Exchange works with all employee types including hourly and shift-based workers. Eligibility, exchange limits, and protected balances are fully configurable to your organization’s specific policies.

02

Can healthcare systems with union workforces use PTO Exchange?

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  • Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by

03

How does PTO Exchange help with nursing retention specifically?

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  • Outside of a nominal one-time implementation fee, there is no ongoing cost to the employer for PTO Exchange. The platform is funded entirely through an IRS-required service charge paid by