XTM Inc. announced that its Today Mobile App and Mastercard instant payout solution was chosen by Earls Restaurants as their payment solution for earnings and gratuity payouts to its thousands of staff members across Canada and the United States. The COVID-19 pandemic has accelerated the adoption of digital payments resulting in a significant increase in transaction value. According to Statista, global digital payments transactions value is forecast to reach $6,685 billion in 2021, representing a 21% YoY increase. With the significant decline in the use and acceptance of cash and many service businesses declining cash as a form of payment, now more than ever, service industry operators need a solution for earnings and gratuity payouts. XTM's Today Card and mobile wallet pushes Earls Restaurant staff their earnings at the end of each shift. Employees can use their Today Card and mobile banking solution to make in-store or online purchases, withdraw cash at ATMs, pay bills, send Interac eTransfers and more. With the Today Mobile Solution admin portal, each Earls location can administer and have complete control and automation of the entire process from card delivery, activation and assignment to daily employee earnings disbursement of gratuities. With XTM's cloud based, PCI compliant web and mobile architecture, users have features common to bricks and mortar banks including transaction tracking, balance reports, same day e-Transfer and ACH, bill-pay, card-to-card transfers, card to bank, suspicious activity notifications and more. All free to the employers and near-free to the employees with the exception of card-to-bank transfers which have a small transaction fee.