HAVN
Merchants / Business

A benefit for workers. A retention tool for employers. A channel for merchants.

For workers

Your everyday savings, and support when you need it.

  • Automatic savings at the register, no vouchers
  • Free for your first 12 months
  • Wage access when you need it — no fee, no interest, ever
  • Non-recourse: if a draw goes unpaid, we absorb it

For employers

A raise that can't get eaten by rising prices.

  • Low flat cost per worker — a fraction of the cost of turnover
  • Real savings plus fee-free wage access, in take-home value
  • Free, unlimited broadcast to the entire HAVN member network
  • Early churn signal — see retention risk before people walk

For merchants

Reach a built-in, paid-up customer base.

  • Featured placement across HAVN's discount categories
  • Drive foot traffic from members who get paid weekly
  • Fill quiet shifts and slow hours with targeted offers
  • Verified onboarding through HAVN's compliance flow