A raise that costs 20% less

Give $1,500.
Pay $1,200.
Example range shown. You can choose any annual amount.

You pay $1,200Amplify adds +$300

20%

less than a
$1,500 raise

You choose the annual amount you pay for each enrolled employee, shown here as $1,200. Amplify adds its own dollars to fund the cash back, so this employee can earn up to $1,500 on essentials they already buy.

Become an early adopter
A laptop showing a payroll dashboard on a desk, with a printed payroll summary, a calculator and a coffee

Where the extra $300 comes from

The extra $300 comes from Amplify, not from you.

Your employee receives up to$1,500

The Impact

Real relief for today

Amplify helps put more money back in your employees’ pockets.

29%

A line cook working alone in a restaurant kitchen

$400

A contractor standing beside his work van

25%

A warehouse worker outside at the end of a shift

of American households earn above the poverty line but still not enough to cover the basics.

More than a third of adults say they could not cover an unexpected $400 expense with cash or its equivalent.

Grocery prices rose roughly a quarter between 2019 and 2023. The shopping list stayed the same.

Sources: United For ALICE, national overview (2026 report); Federal Reserve, Economic Well-Being of U.S. Households in 2025; U.S. Bureau of Labor Statistics, CPI food at home, annual averages 2019 and 2023.

More value. Real impact.

What it costs

One line item. Nothing else.

You pay

One annual amount per enrolled employee, set by you.

Your cost does not move with how much employees load or spend. No variable exposure, and no true-ups at year end.

You don’t manage the program, replace any existing benefits, or add work for payroll or HR.

You don’t

Manage the program.

Amplify handles the ongoing administration and management of the program, including the app, card, employee experience, and everything behind the scenes.

You don’t

Take on credit exposure.

You are never lending, and never on the hook for what an employee spends.

You don’t

Replace your FSA or HSA.

Those are pre-tax, employee-funded accounts for medical and dependent care. Amplify sits alongside them and covers the everyday essentials they cannot.

You don’t

Add work for payroll or HR.

No reimbursement paperwork and no claims to process. Approval happens at the register, not weeks later.

Become an early adopter

How it works

What happens after you enroll.

  1. Pay the annual amount of your choice

    You choose the annual amount for each employee that enrolls. The most cash back they can earn in a year is your annual payment multiplied by 1.25. The additional 25% is provided by Amplify and is tax-free.

  2. Amplify administers the program

    We run enrollment and identity verification, then issue each employee a card and an Amplify account in our app. Your only task is telling us who you’d like to enroll and the annual amount you will contribute for each employee.

  3. They fund their own account

    Your employee funds their account at their discretion, with their own after tax dollars, from their existing bank account or debit card.

  4. Amplify delivers the 10% cash back

    Every dollar spent at an approved merchant earns 10% back, directly to their account, ready to be spent anywhere. Amplify adds its own dollars to fund the cash back. How the card earns it.

Your people give you their all. This is how they know you see it.

What the business pays and what the employee gets

You choose how much

Whatever you pay, your employee can earn 25% more via cash back.

Whatever you pay, your employees can earn 25% more via cash back.

Here is what that looks like at $1,200.

Set what you would have put toward raises this year.

Your raise budget

$12,000

Value delivered through AmplifyUp to

$15,000

What your employees keep as a raiseAfter tax

$8,880

What your employees keep with AmplifyUp to, after tax

$11,880
$1,000$100,000

All figures after a 26% effective tax rate.

The business pays

$1,200

Example amount for this annual term

Traditional raise

Employee keeps, after tax
$888

Spread thin over paychecks

Amplify

Employee keeps, after tax
up to$1,188

$1,500 cash back. Beats a $1,500 raise for $300 less

More value for your people.

With Amplify, your $1,200 goes further. Give your employees 34% more value than a traditional raise.

With Amplify, your budget goes further. Give your employees 34% more value than a traditional raise.

More to your employee

+$300

Employees can earn up to 1.25x your Amplify budget in cash back. The raise shown is the amount that would deliver the same cash before tax; after tax, Amplify leaves the employee with more. Your cost is the annual payment of your choosing for each employee that is enrolled.

All figures after a 26% effective tax rate. Employees fund their own account and earn 10% cash back on eligible spending, up to 1.25x what the business pays. Cash back up to the amount the business pays is reported as taxable income; the 25% above it is not. Employees must spend 10x the annual cash back amount at approved essential merchants to earn the maximum. Example: to earn $1,500 cash back, $15,000 of spending is required at approved essential merchants within the annual term. LSA vs cashback card, compared.

See every alternative to a raise, and what each really costs

You choose how much

Set what you would have put toward raises this year. Every $1,000 you move into Amplify saves you $250 against the raise that delivers the same.

Your Amplify budget $12,000
$1,000$100,000
A raise with the same impact $15,000 Plus payroll taxes
You save $3,000 20% less than the raise

Employees can earn up to 1.25x your Amplify budget in cash back. The raise shown is the amount that would deliver the same cash before tax; after tax, Amplify leaves the employee with more. Your cost is the annual payment of your choosing for each employee that is enrolled.

Where it earns

Where they need it the most

Amplify is accepted everywhere, but 10% cash back is earned at approved merchants. These are the essentials everyone needs.

CategoryEligibilityMerchants**
GroceriesSelect merchants
  • ShopRite
  • ACME
  • Trader Joe’s
FuelSelect merchants
  • Wawa
  • Exxon
  • QuickChek
InternetSelect merchants
  • Optimum
  • Verizon Fios
Auto repairSelect merchants
  • Mavis
  • Pep Boys
  • Midas
Mobile servicesSelect merchants
  • Verizon
  • AT&T
Water & sewer*All providersNo restrictions. Any water and sewer utility: municipal bills.
Housing*All providersNo restrictions. Any landlord: rent payments.
Utilities*All providersNo restrictions. Any utility provider: electric and gas.
Childcare*All providersNo restrictions. Any childcare center: daycare and after-school.

Select merchants, earn 10%

  • GroceriesShopRite, ACME, Trader Joe’s
  • FuelWawa, Exxon, QuickChek
  • InternetOptimum, Verizon Fios
  • Auto repairMavis, Pep Boys, Midas
  • Mobile servicesVerizon, AT&T

All providers

Earn 10% cash back with any provider. No restrictions: any provider can be requested in the app.

  • Water & sewer*Municipal bills
  • Housing*Rent payments
  • Utilities*Electric and gas
  • Childcare*Daycare and after-school

* Landlords, utility providers and childcare centers can be added as payees in the Amplify app, and paid from there if a debit card is not accepted.

** Eligible merchants and categories are subject to change. Eligibility is determined at the time of purchase.

Read the full footnotes

* Employees can enroll their landlord as a payee through the Amplify app if their landlord does not accept debit cards. They may also add the information for their utility providers and childcare centers, as there are no restrictions on these categories. Once added to their account, employees can pay their landlords and utility providers through the app if a debit card is not accepted.

** Eligible merchants and categories are subject to change. Amplify reserves the right to add, remove, or modify eligible merchants and categories at any time. Eligibility is determined at the time of purchase.

Any water and sewer utility can be requested in our app and will be approved. Any utility provider can be requested in our app and will be approved. Any landlord is eligible and can be requested in our app and will be approved. Any childcare center is eligible and can be requested in our app and will be approved.

Merchant names are trademarks of their owners and do not imply endorsement.

Our mission

Because working
should be enough.

That belief is the reason Amplify covers the gap.

The deal is supposed to be simple. You work, and you can cover what your family needs. For millions of households it stopped being simple, and no single paycheck, business, or program was ever going to fix that on its own.

Amplify exists because the cost of living shouldn’t outpace the value of hard work. Nobody carries it alone. Employers put in. Employees put in. Amplify puts in. Together a dollar reaches further than any one of us could send it.

Questions

Questions businesses ask

How is Amplify 20% less than a raise?

Amplify delivers 25% additional value through a combination of revenue sharing, via 10% cash back on essentials. Spending within our network enables Amplify to contribute its own dollars which reach your enrolled employees. Your employee earns 10% cash back on essentials they already buy: groceries, rent, utilities, fuel, childcare, auto repairs and more.

Can I give my employee more for the same budget?

Yes. Route your existing budget for raises and bonuses through Amplify and your enrolled employees can earn up to 25% more over the year through 10% cash back on essentials.

What is taxed, and what is tax-free?

Cash back to the amount of the annual payment is reported as imputed income as it is earned, just like an LSA. Every dollar of cash back earned above the amount of the annual payment is tax-free. This is how the program is reported, not tax advice.

What if my employee quits or is fired during the period?

If an employee leaves or is fired, Amplify refunds what you paid for that employee, minus the cash back they earned and a 20% early termination fee on that cash back. A refund applies only while the cash back they earned is no more than 80% of what you paid. The employee keeps the cash back they earned.

What do I pay, and when?

One annual payment for each employee who enrolls, in the amount you choose. It gives that employee access to the 10% cash back program for 1 year, and the most cash back they can earn is 1.25x what you pay.

Get in touch

Talk to us.

Pre-enrolling today.

Amplify is partnering with employers in New Jersey that want to be early adopters. There are only 500 employee slots available, so reach out today!

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