The Financial Health Network defines Direct-to-Consumer (D2C) Advance providers as those that “work directly with consumers and connect to their bank accounts to observe inflows and outflows, providing a certain amount of liquidity, upon request.” D2C Advance companies work directly with consumers, do not partner with employers, and do not verify wages through employer-provided payroll and time attendance data. D2C Advance providers deposit the requested cash advance directly into a consumer’s bank account, and they recoup that cash advance by debiting the consumers’ bank account on the reported payday.

Source: finhealthnetwork.org