Platform Overview
Access™ is a financial operating system built for companies that engage 1099 contractors. It unifies onboarding, payments, compliance, benefits, and strategic financial support within a single secure platform.
Access™ is built specifically for 1099 contractors, not W-2 employees. It automates payments, tax forms, and compliance while giving contractors access to benefits and financial tools that standard payroll systems do not provide.
Access™ uses verified onboarding, digital W-9 collection, and automated 1099-NEC filing to ensure companies meet IRS and Department of Labor requirements. Each record creates a defensibility profile for audit readiness.
Access™ supports companies of all sizes across logistics, healthcare, technology, real estate, and wellness industries that depend on independent contractors for operations.
Access™ applies bank-level encryption and SOC 2 standards for all data storage and transactions. Identity verification follows AML and KYC protocols used in financial institutions.
Yes. Access™ enables compliant payments to contractors in more than 180 countries and supports multiple currencies where permitted by U.S. regulations.
Access™ complements existing payroll systems by managing 1099 contractors alongside internal staff. It does not process W-2 employee payroll but integrates with common systems for unified reporting.
Pricing & Plans
Access™ operates on a per-contractor monthly structure that covers payroll, tax, and benefits access. Any onboarding or setup costs are discussed during your demo.
Contractors typically pay for their individual access to Access™, though companies can choose to cover or reimburse those costs if they wish.
Integrated benefits such as health or life insurance are available through the platform but billed separately by the provider. Access™ enables access and coordination but does not include premiums in its fee.
Access™ plans are flexible. Companies can scale contractor accounts up or down monthly without long-term commitments.
Any setup or onboarding costs are discussed during your demo so that implementation can be customized to your company’s structure and contractor volume.
Onboarding & Usage
Access™ requires standard business information, including authorized representative and beneficial owner details, to meet compliance requirements. Verification follows AML and KYC procedures.
Contractors complete a secure digital onboarding process where they provide tax information, verify identity, and connect payment accounts. Data is encrypted and stored securely.
Company onboarding typically completes within one business day once verification documents are provided. Contractor setup occurs immediately after their invitation is accepted.
Access™ conducts identity verification, sanctions screening, and beneficial owner validation as part of AML and KYC compliance before enabling transactions.
Company administrators can assign different roles for HR, accounting, and management. Each role controls access to payments, reporting, and contractor data.
Access™ integrates with QuickBooks, NetSuite, and other accounting platforms to synchronize payment and compliance data without manual uploads.
All contractor and company data are encrypted in transit and at rest. Access™ meets SOC 2 and PCI compliance requirements for financial data security.
Access™ notifies the contractor automatically and pauses payment processing until corrected data is verified. This prevents compliance issues and rejected transfers.
Yes. Multiple authorized users can manage the same company account with permission-based access levels for payments, reports, and onboarding tools.
Yes. Access™ supports companies operating several entities or divisions, allowing each to maintain its own compliance and reporting profile under one corporate account.
Payments & Integrations
Access™ enables secure ACH transfers and instant payment options depending on company preference. Payments can be automated or manually approved by administrators.
Push funding preloads funds before payroll, ensuring faster contractor payments. Pull funding draws funds after processing for more flexible cash flow management.
Yes. Access™ supports payments to contractors in over 180 countries and 50 currencies through compliant international banking partners.
Contractors can receive payments via ACH, real-time payment networks, or connected financial accounts. Access™ is expanding support for FedNow and digital wallet options.
Access™ validates account information during setup and uses automated reconciliation to detect mismatches. Failed payments trigger alerts for correction before reprocessing.
Yes. Access™ integrates with popular platforms such as QuickBooks and Gusto to maintain unified financial reporting across W-2 and 1099 workers.
Yes. Companies and contractors can view real-time payment status and history in the Access™ dashboard, ensuring transparency for all transactions.
Access™ alerts the company and contractor immediately. Once the information is corrected, the payment is automatically reinitiated.
Yes. Access™ generates and e-files 1099-NEC forms directly with the IRS and provides digital copies to contractors, reducing manual reporting.
Yes. Payments can be tagged by department, project, or location to simplify cost tracking and reporting.
Benefits & Add-Ons
Contractors can access health, dental, vision, life, wellness and wealth management/retirement benefits through integrated providers. Participation is voluntary and independent of employment classification.
Companies can choose which benefit categories to display to contractors and may recommend preferred providers for their workforce.
Contractors typically pay their own premiums directly through the platform’s integrated billing connections. Companies may contribute if they choose.
Yes. Contractors can access retirement savings options such as IRAs or Solo 401(k)s through integrated financial partners.
Yes. Contractors maintain their benefits access if they work with multiple Access™-participating companies, ensuring continuity without re-enrollment.
Benefit payments are processed directly with the provider. Deductions occur automatically only after contractor authorization.
Administrators can view anonymized benefit participation data to understand engagement and adoption trends without accessing personal details.
Qualified companies gain access to Integrative Finance, which connects them with advanced business consultants who coordinate tax, insurance, and business strategy.
Support & Compliance
Yes. Access™ offers live chat, email, and scheduled support sessions for administrators managing onboarding, payments, and compliance.
Access™ continuously updates its compliance systems based on IRS and Department of Labor guidance, including the March 2024 economic-reality test for 1099 classification.
Yes. Access™ provides documentation and reporting tools that track engagement patterns to support accurate worker classification and defensibility in audits.
Access™ retains digital logs of all onboarding, payment, and compliance activities. These records can be exported for audit or regulatory review.
Access™ uses identity verification, transaction monitoring, and automated alerts to detect and prevent unauthorized activity.
Access™ maintains SOC 2, PCI, and HIPAA-aligned protocols for encryption and access control, ensuring all data meets enterprise-grade security standards.
Yes. Companies can generate reports showing contractor counts, payments, and compliance status across all entities.
Access™ provides reference frameworks based on DOL and IRS rules, allowing companies to document and justify 1099 status decisions.
Access™ retains required records for at least seven years or longer if mandated by regulation.
Yes. Contractors can securely download their tax forms and payment records through their portal at any time.
Strategic Finance & Business Consulting
Companies using Access™ that meet eligibility criteria for advisory integration gain access to dedicated business consultants through the Integrative Finance program.
They review a company’s tax, insurance, and operational structure to identify efficiencies and ensure financial strategies align with long-term objectives.
Once approved for Integrative Finance, Access™ assigns an advanced business consultant who works directly with company leadership to implement strategic recommendations.
Initial consultation access is included for qualified companies. Ongoing strategic or implementation work may be contracted separately depending on engagement scope.
Yes. Consultants analyze business entity structures and tax approaches to ensure compliance while improving financial efficiency.
Yes. Consultants review insurance portfolios to coordinate risk coverage with overall business planning and cost management.
Yes. Through Integrative Finance, consultants support corporate restructuring, acquisition planning, and multi-entity coordination where applicable.
Integrative Finance is available exclusively to Access™ platform clients that meet qualification requirements. It is an optional but highly valued advisory service.
Integrative Finance consultants are business specialists who coordinate multiple disciplines, offering institutional-level strategy beyond traditional financial advice.