Fuego by Fourth

Fuego is an earned wage access app from Fourth, the company behind HotSchedules. It lets hospitality employees draw part of the pay they have already earned before payday, and it can issue a Fuego Visa card. Employers offer it through their existing HotSchedules schedule and POS data connections, and the vendor says it costs the employer nothing.

Last reviewed

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Home page of Fuego by Fourth's website
Fuego by Fourth's website on 30 September 2026
Best for
HotSchedules restaurant and hospitality employers, Employers trying to improve staff retention
Pricing
Free for employers; per-draw fees for employees
Runs on
iOS, Android

Who it is for

  • HotSchedules restaurant and hospitality employers

    Fuego uses the schedule and POS data connections HotSchedules customers already have, and is offered inside HotSchedules.

  • Employers trying to improve staff retention

    The vendor pitches same-day access to earned pay as a way to keep and attract hourly workers.

Less suited to: Employers that do not use HotSchedules; the vendor describes the business offer as being for HotSchedules customers and says employer participation is required.

What it does

  • On-demand access to earned wages

    The vendor says employees can transfer up to 50% of their available earned wages, repaid through payroll deduction.

  • Fuego Visa card

    Prepaid Visa card issued by Central Bank of Kansas City with no monthly or inactivity fees and surcharge-free MoneyPass ATM withdrawals.

  • Earnings and shift view

    Shows earned pay, upcoming shifts and expected earnings so employees can plan spending and savings goals.

  • Money management tools

    Budgeting tools, spending overview and financial wellness articles inside the app.

  • Multiple employers in one account

    One Fuego login can access pay from several employers that use Fuego.

  • Transfers to external accounts

    Draws can go to an existing debit card or bank account by instant card transfer or ACH, with fees.

  • No employer float

    Fuego funds the draws and the employer settles with Fuego through payroll processing, so the employer does not provide a float.

Pricing

Pricing model
Free for employers; per-draw fees for employees
Minimum contract
None for employees; the vendor says there is no long-term contract

The vendor says Fuego is a 0 USD cost benefit for businesses. Employees pay no draw fee when wages go to the Fuego Visa card with direct deposit set up; a draw to an existing bank account or debit card costs 1 USD for the first draw of the day, capped at 3 USD per weekly or 5 USD per biweekly pay period, with extra fees for expedited transfers. These are per-transaction fees, not a recurring product price.

Works with

Payments
Apple WalletGoogle Pay
Scheduling
HotSchedules

Employer connection is through HotSchedules schedule, time and attendance, and POS data; the pages do not name payroll systems.

Where and how it runs

Customers in
United States
Languages
English, Spanish
Platforms
iOS, Android
Apps
Fuego: On-Demand Pay: Employees register, view earnings and request wage draws

Inferred: pricing is in US dollars, the card is issued by a Kansas City bank and the legal pages are US-based; the site does not state where it is available.

The company

Company
Fourth Fintech Solutions, LLC (NMLS ID 2656348)

Security and support

Security and compliance
Card issued by Central Bank of Kansas City, Member FDIC
Support
Live chat in the Fuego app and a phone line at 855-715-8518; a system status page and help centre are linked.

Listing details

Vendor
Fourth
Headquarters
United States
Built for
Restaurants
Focus
Food-specific
Status
Active
Website
getfuego.com

Alternatives to Fuego by Fourth

See all 8 in Earned Wage Access

  • Branch

    Branch is a US workforce payments platform that lets employers pay workers quickly through a free digital bank account and debit card, direct payouts to existing bank accounts, and earned wage access.

    Runs on Web, against iOS and Android for Fuego by Fourth.

  • DailyPay

    DailyPay is an on-demand pay (earned wage access) service that lets hourly employees draw part of their earned wages before payday.

    Runs on Web, against iOS and Android for Fuego by Fourth.

  • Instant Financial

    Instant Financial is a US pay platform for hourly employers, including restaurants and quick-service chains.

    Runs on Web, iOS and Android, against iOS and Android for Fuego by Fourth.

  • Grazzy

    Grazzy is a US digital tipping and tip payout platform.

    Runs on Web, against iOS and Android for Fuego by Fourth.

Compare Fuego by Fourth

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What we could not confirm

These points were not confirmed when this page was written.

  • Headquarters and founding year
  • Team size
  • Named customers
  • Payroll systems supported

Sources

Facts on this page come from the pages below, checked on 29 September 2026. Prices and features change, so confirm with the vendor before you buy.

  1. Home pagehttps://getfuego.com/
  2. Employer offer and FAQhttps://getfuego.com/businesses/
  3. Employee featureshttps://getfuego.com/employees/
  4. Company backgroundhttps://getfuego.com/about/
  5. Fees and FAQhttps://getfuego.com/help/
  6. Legal entities and supporthttps://getfuego.com/legal/