Money Earned Apps for iOS and Android

The commitment to developing Money Earned Apps is part of the strategy to bring Money Earned to everyone. October 28th was Android Day for our app to post ready for download. Quickly following was Apple iOS that became available November 2nd.

Team Ganart USA and India


Right to left, Purnendu Mishra, Art Holbrook, Janie White, Reyna Vargas, Robert Hasty, Abhijeet Iraj, Wayne McHugh and James Hux point out the Money Earned Android app is “live” at the Play Store

Me app launched 10/28/16

Right to left, Purnendu Mishra, Abhijeet Iraj, Lee Coleman, Robert Hasty, Reyna Vargas, Wayne McHugh, and James Hux point out the Money Earned App for iOS is “live” at the Apple App Store.

Ganart India Team

Vikas Gore, Sujata Dumbre, Rahul Durge and Amit Shamsundar strike the same pose as the blood drive showing the Play Store page for Money Earned.

It took the full effort of both teams to quickly pull off these fully secure native mobile apps. The whiteboards, conference calls, web conferences at all hours, testing, beta testing, GUI refinement, feature additions and deletions, flights, patient families, cool heads, and cool coding culminated to these events.

A kiosk, now in your hand

Although our President and COO Wayne McHugh can actually move a kiosk, he has to use both hands, and it won’t fit in his pocket. Now, with the Money Earned app, anyone can get a Money Earned anytime and anywhere. Money Earned is set up with our authorized agent’s reloadable debit card. Wayne appreciates this app as it’s much more flexible to demonstrate. Our customers will like using it.

Simple to get Money Earned Apps

Once a company gets Money Earned, free, the employee downloads the app.

They’ll add their phone number and then get a temporary PIN. From there on, if they’ve earned their income they can get it before pay day, sending a Money Earned to a reloadable debit card via the ME apps.  Here are the screen shots that show the process through to confirmation.


Sign in


Key in your phone number


Key in your password


Key in your password


Agree to terms


Choose an amount


Pick where it goes


Review the amount and charge


$20 is now on the card


$20 is now on the card



Go to your profile


Log Out


Money Earned Apps Start Screen

Blood Donation II

Amit Shamsundar is the type of employee that gives his all to the job an hand at Ganart. He’s also blood type B+, which kind of goes along with one of his mantras—”be positive”. That’s why he rolled up his sleeve and gave a blood donation.

The Janakalayan Raktapedhi body of Regional Blood Transfusion Centre, Pune. which is organized by Dr. Atul Kulkarni, set up the annual Blood Donation Camp, July 21st 2016 at Pune IT Park.

Certificate of Appreciation

Blood Donation Certificate and Ganart India

The Ganart India Team Vikas Gore, Sujata Dumbre, Rahul Durge and honoree Amit Shamsundar showing his Certificate of Appreciation for giving blood.

Amit Shamsundar donated for noble cause. In gratitude, Dr. Atul Kulkarni and Dr. Avinash Wachasundar have issued “Certificate of Appreciation”.

It marks the second year that Ganart India has participated in the blood drive. It won’t be the last as the other team members plan on giving the next blood drive

Development is in our blood. Sometimes we donate it.

Ganart Team and the Blood Drive Certificate

Ganart Team India and Certificate of Appreciation

Our team gives back to the community from time to time. Our profession deals with transactions of value and benefit to humankind. Last month the Ganart team in India was awarded recognition for a transaction of human value, unrelated to the global monetary system.

Blood Drive

Abhijeet Iraj, Rahul Durge, Harshad Pattalwar and Vikas Gore actively participated in a Blood Donation Camp on August 20th 2015 at Pune IT Park, which is organized by Dr. Atul Kulkarni, Director in-charge “Janakalyan Raktapedhi” body of Regional Blood Transfusion Centre, Pune.

As a token of gratitude, they issued a “Letter of Appreciation” along with a certificate to display in our Pune office.

Development beyond the code

We work diligently at Ganart. To use the old adage, blood, sweat and tears is an understatement to the development work we do.

But when we were informed about the blood drive, we got introspective about something bigger than all of us. We got a chance to be a part of saving lives. Our team got bigger in heart. Who knows where the donation will go and to whom? Who knows what effect the donation will have on society or the world? We become part of the code of life.

The smallest things can have the biggest effect

We know all too well, that in the development world, one coding error can bring a whole system crash. In the world we serve, regardless of technology or not, donating blood is an act that has a bigger effect to human good. There is a transcendence, out of our day to day focus, to focus on that needle going in and watching that bag fill up.

Joking aside, it’s a chance to develop humankind where we know the outcome is good and not wasted. We may not know what kind of good the outcome is, and that dives us crazy as Computer Scientists, but it has a good effect. We accept the outcome of good as our goal.

And as software developers, we know that constant retesting of the process is necessary to see if the system breaks.

Dr. Kulkami, bring on the blood drives as soon as we can donate again. It’s in our blood to test it to make sure it keeps working.

money and ideas

Money Rose

Author John Boitnott did the hard work in collecting quotes about money, really good ones that put into perspective what money is. I can’t disagree with them. They are truisms. Now, they’re worth reviewing.

Why then is the world economy in another era of irresponsibility so soon? It’s greed. Maybe we’re wired that way. It’s an obviously bad idea. Greed makes you stupid. Ask any thief in prison. “Greed is good” is a falsism.

I think the 25 quotes are good tools to fundamentally change things for the better. Sadly, people forget them. They don’t get passed down.

Money is an idea too.

Work, Pay and Money

I look at money in a classic way. It’s an exchange instrument. It’s a symbol of whatever I’ve done or have, is worth a certain amount of money people will pay for. In turn I can take this representation of worth and exchange it for something else of value. Money frees up trade. I may be able to trade my writing skills for a hamburger, but more likely I’ll earn cash and eat with more flexible menu options.

From there complexity builds if you shift away from the above thought. You start playing with risk. The allure is powerful. Before playing, review the 25 quotes.

Then ask yourself these questions.

If you veer off, are you smart enough to pull it off? Are you playing with folks that know the rules better than you? Are you playing with some who are making their own up? Are you playing with those who take? Are you playing with those who share? Are you playing with those who give? Are you trying to play with those who aren’t playing? Do you know who you are playing with?

Sometimes, to earn money, you have to play with everyone. Sometimes it’s by not playing at all when it’s wrong. You have to ask these questions over and over since all  the answers change dynamically. These aren’t the only questions, obviously.

Change the idea.

Sir Karl Popper knew that ideas can become reality and thus an idea itself is real. World 3 is what he called it. The concept frames our human reality and actual reality. Be careful with ideas.

Ideas, good ones, make humankind better.

Working for good ideas is earning worth towards making a better life for yourself and others. Money can be the result.

Some improve humankind through work and ideas that money can’t define- improving at the moment or improving for the future, turning their back on the money. To them it’s a transaction of value to humankind and the world.

Ask yourself how fulfilling is it to work for a bad idea? What do you call it?

Constantly thinking of ideas and following good truths about money will get you out of the mud even if you are up to your neck. It can guide you from failure to success. It may even shape reality for all. Make sure it’s a good idea if it’s going to affect others.

Did the ideas of the 25 quotes become real? They are. Some have obviously lasted for centuries. More people have to understand them to change things for the better. They’re all worth relearning, and as John put it, live by.

Send in your money quotes or ideas that were passed down to you, or ones you remember.


Workplace Solution® is a registered trade mark

Ganart Technologies gets a ® for workplace solution.

On May 12th received word that we got the Workplace Solution® as a registered trademark. We just received the official document this week and we’re delighted that the name we’ve been using for a few years now, is registered.The money everywhere workplace solution® logo

The Workplace Solution® is the offering of financial services, deployed inside companies. It serves employee’s financial  management needs at low cost, without having to leave their place of work.

Money transfer, bill pay, mobile top up, ATM services and Money Earned are all available to employees who’s company enrolls in the Workplace Solution.

Since the Workplace Solution® is a registered trade mark, we hope to see it inside of many more workplaces as a suite of solutions to help make the money side of life better for the hourly wage earner to “C” level leaders.

The Workplace Solution® – a new benefit

Now employers can offer benefits that never existed before. Being an on site financial ecosystem, the Workplace Solution helps lessen money worries. Employees don’t have to take time off to take care of financial challenges. With less worry, morale improves and productivity increases.

With financial worries lessened the Workplace Solution helps drive more focus to work at hand.

It also helps the employee keep more earnings in their pocket, avoiding costly financial products that are designed to entrap.

The Workplace Solution also helps span bi-weekly and monthly pay periods. When a financial bind occurs, there’s no borrowing needed. With Money Earned, bill pay and money transfer, financial affairs can be solved in seconds, on break times.

The Workplace Solution was designed from the start to help workforces trump cash flow problems and get through their days and weeks conveniently, securely and fairly with dignity.

Contact Ganart to find out how the Workplace Solution can be a part of your company’s benefit program.

Ganart's Workplace Solution is now a registered trade mark

Registered trademarks awarded

money earned® is a registered trade mark

Money earned®and Because sometimes you just need $20® have been awarded registered trademarks with the United States Patent office.

Money earned is the name of our patented product offering. It’s getting access to money that’s earned before pay day. Calling it money earned was the simplest way to describe it. If you earn it, you can get it.

me®logo is a registered trade mark of Ganart Technologies, Inc.Our plan is to make our services available everywhere.

Money earned coincides with our logo for money everywhere. We consider the the logo as synonymous with money everywhere and money earned. When people see the logotype, they’ll know they can get a money earned. They’ll be able to make other transactions too: money transfers, bill payment, mobile phone top up, ATM and pinless minutes.

Because sometimes you just need $20® as a registered trade mark

Our tagline is a registered trademark too.

It’s the empathy Ganart shares with the need to be able to get just a little to get by, not too much.

Since we invented money earned, people can get a little bit, without taking out a loan and risk a debt trap by an over loaning.

Cheers to many years and many more great transactions and maybe a few more trademarks along the way.

Benefits, paychecks, hard times, money earned

DMN Benefits Being Pared

Benefits Being Pared

From Dallas Morning News.

At Ganart we saw the downward trend for all employees benefits, which lead us to the creation of  the money everywhere Workplace Solution and money earned. We saw the beginning of benefit erosion back in 2009 for salaried employees. For the hourly wage earners, there had been nothing substantial offered for benefits as far as we could remember. We invented money earned to do two things, provide a cheaper option to payday loans and help workforces cope with cash flow by using the money they’ve already earned during the week.

Although we designed money everywhere services to appeal to the bedrock of U.S. workforces, hourly wage earners, we’ve gained interest in placing machines in companies with salaried employees.

Salaried people use money earned too.

In the workplaces enjoying money everywhere and money earned, we’ve noticed that salaried employees use money earned too.

Payment technology makes it very easy to pay out of one’s pocket or account. Money earned is one of the few inventions in the last twenty years to make it easy to pay in. It helps with cash flow problems individuals have never been able to solve affordably. Money earned is especially important with the trend of longer pay periods. It can span the gap to meet payables and surprises that affect income.

We hope our money earned concept will be included in statistics about company benefits in the future. Until then, every person we help with money everywhere services, especially money earned, with how much they save, is part of our goal in being a brand that helps.

Learn about our brand

The money everywhere brand

ADP Published Garnishment Rates Among US Workers

Today ADP came out with a report showing, for the first time, how many US workers are impacted by wage garnishment.

This is nothing new to Ganart. For this growing situation and multiple others, we created Money Earned.


About four years ago, we had one customer (we’ll call him Bob) who worked in the manufacturing sector. He told us that the ONLY way he could make it week to week was with Money Earned. He knew how little his net pay was. We did also. His ability to get to what he had earned, just so he could make it through his days, weeks and months while paying his garnishments down, was all the difference in the world to him. To do so, without another loan or debt, meant that Bob was truly able to manage his world with what he actually had coming to him, not taking on more debt.

Bob and his employers confirmed that prior to their Workplace Solution being installed, his productivity and morale was on a steep decline. After installation, Bob was able to “manage” his world, day to day. Morale went back up.

Hot Dogs and Ramen

Bob no longer wondered how he’d get gas to make it back and forth to work. He didn’t have to survive on Ramen and hot dogs for the six days prior to his next paycheck (Bob is paid every other week). Having any one of the dozen life events that come up i.e. flat tire, needing medicine, child school activities were less of a worry. Money Earned allowed Bob to focus more on his job while at work.


With ADP’s report today, it’s more apparent than ever, that a large percentage of US workers need help…now. The extended opportunity is U.S. employers would benefit from SOMEONE helping their employees to improve productivity, quality and overall morale.

That is what Ganart is, and has been doing with the Workplace Solution and Money Earned. If you are an employer and would like to know how you can bring this solution to your company at zero cost, please contact us today.

What’s 40 dollars mean?

What’s 40 dollars mean? A recent survey by the White House says $40 means a lot. That’s what some Americans won’t have each month after tax laws go into effect. Most Americans need this money to help solve financial stress.


At Ganart, our Money Earned product is proving to relieve weekly financial stress. It can’t make up for the $40 loss, but the ability to have access to money that you’ve already earned when needed, without going the “loan route” will help. That’s what Money Earned was designed to do.


A prawn is not a lobster, and Money Earned is not a Loan!

By Wayne McHugh

Alleppey India Kerala boat sunset

Serene river vista in Alleppey, Kerala India. The temperature was in the low 80’s.

I just recently had the opportunity, while traveling in India on business, to carve away 48 hours and experience the natural wonder of the famous backwaters on a kettuvallam (Kerala houseboat) in Alleppey, referred to as the “Venice of the East”. It has a large network of canals that meander in and around India’s longest lake, Vembanad. For those not in the know, this is in the in the southern state of Kerala and is referred to as God’s Own Country. Accompanying me on this adventure was my friend and co-worker who also happens to be Ganart’s CTO, Safir Salihu, who grew up in Kerala and provided information, history and a seamless channel to ask our crew any question I had.

Venice of the East

The physical beauty an lushness of this tropical area was equally matched by the diversity of the wildlife all around us. Woven into this pristine setting were entire communities and commerce. Mile after mile, on either side of us were riverbanks.

Safir and I have taken control!

Safir and I have taken control!

Barely 10-20‘ wide in most sections, they held small homes on one side and small businesses on the other including eco cottages for tourists, small supply stores and even an ice cream bar! It was amazing seeing small children, dressed in school uniforms, marching in procession along the banks to one of several water taxi stops which ran with extreme efficiency. Their commute was a lengthy one, but all were excited (so it seemed) to be heading to school. Beyond the houses, on the other side of the banks were paddy fields as far as the eye could see. Along another canal, we saw the remnants of 2,000 acres of over-farmed coconut and cinnamon tress. It looked like something out of a Stephen King novel with equally haunting stories.

Ice Cream and Red Bull

While cruising in the afternoon heat, a small skiff motored up to us with an industrious young man pitching goods for sale. Opportunity commerce at its finest! Believe it or not I picked up some mango ice cream (my favorite) and had to buy a Red Bull….yes, Red Bull on the backwater which almost seemed like a contradiction. But then again, how many people are you going to meet that can say they bought and drank a Red Bull on the backwaters of Kerala?


As evening approached, we decided to buy rather than catch our dinner. We stopped at an area with several small storefronts which were grouped together and went shopping. We decided on prawns and redfish to be the main course.

Freshwater prawn from the backwaters of Alleppey India. I had two.

Freshwater prawn from the backwaters of Alleppey India. I had two.

Choosing menu items by size

Choosing menu items by size

The size of the prawns were amazing. Coming from New England, at very first glance, they looked liked a very small chicken lobsters. After picking up our main course and some soft-drinks, we found our docking space which also happened to be the home of the houseboat owner. Later, we sat down for our feast, cooked at the spice level locally consumed, after much convincing from Safir that I actually welcomed the spiciest they could bring. Red fish in curry sauce, spicy fried shrimp, local vegetables, fried plantains and naan. Spicy, delicious and very filling.

Money Earned

While sitting back after dinner and looking at the photos we took, including those of the prawns, we drew a comparison of the prawn being mistaken for a lobster. The comparison involved our Money Earned product (as it usually does). Often mistaken as loan or an advance, we have used other comparisons while educating businesses, such as if a loan is a duck, we are more akin to a swan and so on. While this trip was an amazing little adventure half way around the world, it’s funny that no matter where and what you experience, it is all relatable no matter where you live or what you do.

So, the four things I took back or rediscovered:

  • The backwaters of Kerala are amazing and bucket-list worthy for a visit.
  • Red Bull is everywhere
  • A prawn is not a lobster, no matter how big
  • Money Earned…is still not a loan.

Hope you enjoy the photos!