PTO Exchange

EXCHANGE OPTIONS SECTION

One Benefit. Every Generation. Every Financial Goal.

For the first time in history, six generations share the same workforce, each with different financial priorities. No single benefit can address all priorities all at the same time.

Cash Out

Convert PTO into cash. When life throws the unexpected your way, your employees shouldn't have to wait for payday to get the money they need. Cash Out lets them convert the value of unused PTO into funds for when they need them most, and it's debt-free, using value they've already earned.

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Unexpected Events

Fast access to funds when it matters most. A car repair. A medical bill. A broken furnace. Emergencies don't wait and neither should your employees. Emergency Cash gives them fast access to funds using their earned PTO value, without a loan, a debt, or an advance on future pay.

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Retirement Savings

Invest in long-term financial security. Help employees build the retirement they deserve using value they've already earned. PTO Exchange enables pre-tax contributions to 403(b), and 457 plans, and post-tax contributions to 401(k), Roth plans, turning unused time off into real long-term wealth.

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Health Savings

Cover healthcare costs, tax-advantaged. Let employees direct unused PTO value toward pre-tax HSA contributions, reducing out-of-pocket healthcare costs and building a tax-advantaged safety net for medical expenses at any life stage.

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Travel

Fund meaningful life experiences. Time off should mean time lived. Employees can direct unused PTO value toward discounted airfare, hotels, and car rentals, turning hours they can't take into trips they'll remember.

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Education

Invest in learning and growth. Support your employees' futures, and their families'. PTO Exchange enables student loan repayments, tuition payments, and 529 college savings contributions funded by the value of unused earned time.

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Giving

Donate to causes that matter. Employees can direct the value of their unused PTO toward charitable donations to any qualifying 501(c)(3) turning earned time into a force for good in their communities.

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Leave Sharing

Give time directly to a colleague in need. When a coworker faces a hardship and exhausts their PTO, employees can donate their unused hours for them to use. Leave sharing helps build the kind of workplace culture that progressive companies desire.

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HOW IT WORKS

Simple for Employees. Seamless for HR. Structured for Finance.

Employees choose how to direct their earned value.

Through an intuitive web and mobile portal, employees select where their unused PTO value goes, whether that be retirement savings, emergency cash, student loan repayments, HSA contributions, charitable giving, or leave sharing. Their earned time. Their choice.

Value is calculated automatically.

The platform calculates each employee's eligible PTO value based on your company's policies and compensation data. No manual processing. No HR overhead. All done for you, compliantly.

Funds are transferred. Liability goes down.

PTO Exchange handles IRS-compliant processing, payroll integration, and audit-ready reporting, automatically. Your balance sheet improves. Your employees feel the difference.

WHY PTO EXCHANGE

The Only Platform Built From the Ground Up for This.

Patented & IRS-Compliant

Most organizations running informal PTO cash-out programs are unknowingly violating IRS Constructive Receipt rules. PTO Exchange holds U.S. Patent US10108933 B1 and is IRS-validated through private letter rulings so you're protected in all 50 states, every time. No workarounds. No gray areas.

U.S. Patent US10108933 B1

Debt-Free by Design

Unlike Earned Wage Access products that pull from future pay, PTO Exchange uses value employees have already earned. There is no debt, no advance, no repayment, just choice.

TRADITIONAL EWA

Debt Owed
Pay Advance

TRADITIONAL EWA

No Debt
No Repayment

No New Employer Cost

The platform is funded through the IRS-compliant service charge so there is no new budget line, no cash outlay. Your PTO liability goes down. Your employee satisfaction goes up.

NO NEW EMPLOYER COST EMPLOYEE SATISFACTION

Seamless Integration

Native file connections with Workday, ADP, UKG, Ceridian, and other major payroll platforms. Automated, audit-ready processing. SOC II Type 2 and SOC I Type 2 certified.

Sara E. INDIANA UNIVERSITY

I am thankful to use the PTO exchange. It came in handy for my son’s birthday, allowing me to spend a little bit more time with my boys without having to work overtime for a while.

Ciara C. IU HEALTH

This really comes in handy when needed, especially when you need the cash on unexpected bills.

Ruth G. FAIRWAY MORTGAGE

It has been so helpful to provide additional money to pay for my medical needs.

Patricia C. ITHAKA HOSPITAL

I was in crunch and really need some extra money in my check and this was the perfect way to do it. It was so easy and not hard at all I would tell everybody to do it when you are in need.

Greg M. SUBSEA

Time to spread the blessed cheer.

Naomi M. LEGALEASE

I am in grad school, and my classes are expensive.

Mason C. IU LIFELINE

This gives me the opportunity to build our savings back up with the newborn.

Angelica A. SAC HEALTH

I so Appreciate PTO exchange! It has helped me out with those unexpected situations happen.

Sara S. HONORHEALTH

Having the extra cash will be so helpful!

Mikayla P. DAYTON CHILDREN’S

I am so thankful to be able to exchange out some of my PTO to help with extra money.

Janelle, M. RILEY HOSPITAL FOR CHILDREN

I am so grateful for PTO exchange. With this money, I will be able to continue to save for a house! Currently I live with my parents, but my new year's resolution is to buy a house!

Pinkie, F. LEGACY COMMUNITY HEALTH

A great way to contribute to my 403b and not lose PTO hours.

See What PTO Exchange Can Do for Your Organization.

Join 200+ companies that have turned unused paid time off into a benefit employees love, while reducing liability at no new cost to the business.

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FAQ

Frequently Asked Questions

Is PTO Exchange IRS-compliant?

Yes. PTO Exchange holds U.S. Patent US10108933 B1, is IRS-validated through private letter rulings, SOC II Type 2 and SOC I Type 2 certified, and legally defensible in all 50 states.

Does PTO Exchange create any new cost for employers?

No. PTO Exchange is funded through an IRS-compliant service charge paid by employees at the time of exchange. There is no new budget line, no cash outlay, and no ongoing employer cost.

Which HRIS and payroll systems does PTO Exchange integrate with?

PTO Exchange integrates natively with Workday, ADP, UKG, Ceridian, and other major platforms with automated, audit-ready processing.

What is the difference between PTO Exchange and Earned Wage Access?

Earned Wage Access advances future wages and can create employee debt. PTO Exchange uses the value of time employees have already accrued, there is no debt, no repayment, and no advance on future pay.

How long does implementation typically take?

Implementing a PTO exchange program can be quick and easy. The integration of the PTO data with the payroll or other internal system can be painless with a simple file upload or integration process so implementation can potentially be done in days.

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