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An Earned Wage Access Platform That Empowers Employees and Retains Talent
Instant gives your workforce financial flexibility when they need it most. Whether it’s covering an unexpected expense or having control over their earnings, employees value companies that offer modern pay solutions.
Our platform combines earned wage access, digital tips, and electronic pay cards in one fee-free solution that shows employees you’re invested in their financial wellness and success.
An Earned Wage Access Platform That Empowers Employees and Retains Talent
Instant gives your workforce financial flexibility when they need it most. Whether it’s covering an unexpected expense or having control over their earnings, employees value companies that offer modern pay solutions.
Our platform combines earned wage access, digital tips, and electronic pay cards in one fee-free solution that shows employees you’re invested in their financial wellness and success.
Why an Earned Wage Access Platform Matters for Employers
Earned wage access platforms let employees withdraw their already-earned pay before payday, creating a powerful recruitment and retention tool for employers.
The numbers are clear: companies offering earned wage access are 30% more likely to attract new employees and 20% more likely to retain their existing workforce. Job candidates see instant pay access as a deciding factor when choosing between offers, while existing employees value having control over their earnings timing. This benefit also strengthens your employer brand, positioning you as progressive and employee-focused in a competitive market.
30%
More Likely to Attract Employees
20%
More Likely to Retain Employees
$0
Paying Zero Fees
How Instant’s Earned Wage Access Services Work
We connect directly to your payroll system, letting your employees request their earned wages through our simple mobile app in four easy steps:
Download and opt in: Employees download the Instant Pay app and register using their work credentials to activate earned wage access with your organization.
Work and clock out: They complete their shifts and clock out through your existing time tracking system as they usually would.
Receive notifications: The app sends smartphone notifications showing exactly how much of their earned wages they can access immediately.
Instant transfer: They request their desired amount, and funds are transferred directly to their account through the Instant app for immediate use.
The entire process runs automatically without requiring any manual work from your payroll or HR teams.
How Instant’s Earned Wage Access Services Work
We connect directly to your payroll system, letting your employees request their earned wages through our simple mobile app in four easy steps:
Download and opt in: Employees download the Instant Pay app and register using their work credentials to activate earned wage access with your organization.
Work and clock out: They complete their shifts and clock out through your existing time tracking system as they usually would.
Receive notifications: The app sends smartphone notifications showing exactly how much of their earned wages they can access immediately.
Instant transfer: They request their desired amount, and funds are transferred directly to their account through the Instant app for immediate use.
The entire process runs automatically requiring no to little manual work from your payroll or HR teams.
Flexibility That Builds Loyalty
Real pay flexibility means giving employees what they’ve earned, when they need it:
Zero fee option
Employees will always have an option to access their wages for free and we're fully transparent if there is a fee.
24/7 availability
Even if you are unbanked, Instant gives you access to earned wages, day or night, without waiting for payday.
Complete pay coverage
Regular wages, tips and one-off payments are all available through one integrated platform.
These features give your workforce the respect and autonomy they deserve, creating loyalty that keeps them with your organization.
The Impact on Employee Retention and Recruitment
Turn pay into a competitive edge. When people can access their earnings fee-free, they apply faster, accept offers sooner, and stay longer.
Attract More
Candidates
Candidates
Job seekers notice when instant pay is part of your benefits package.
Boost Offer
Acceptance
Acceptance
Modern pay access can tip the scales when candidates are deciding between employers.
Increase
Retention
Retention
Employees who feel in control of their earnings are more likely to stay.
The Impact on Employee Retention and Recruitment
Turn pay into a competitive edge. When people have same day* access to their earnings, they apply faster, accept offers sooner, and stay longer.
Attract More Candidates
Job seekers notice when instant pay is part of your benefits package.
Boost Offer Acceptance
Modern pay access can tip the scales when candidates are deciding between employers.
Increase Retention
Employees who feel in control of their earnings are more likely to stay.
Share
Be the company that understands your employees’ needs, offering support they can rely on whether it is for today or for the future. At Instant, we provide a flexible and fast way for employees to access a portion of their pay when they need it.
Instant Financial: Choices
Instant Financial: Choices
Instant Financial: Choices
Be the company that understands your employees’ needs, offering support they can rely on whether it is for today or for the future. At Instant, we provide a responsible way for employees to access a portion of their pay when they need it, with no strings attached.
Industry-Leading Earned Wage Access Programs
Instant is a trusted earned wage access company in the U.S. serving large employers in sectors where timely access to earnings solves real workforce challenges.
Industries We Serve:
Hospitality
Help staff handle unpredictable schedules and tipped income without financial gaps.
Retail
Keep seasonal hires engaged through long holiday stretches before the first paycheck.
Restaurants & QSR
Serve your servers. Automate tip pooling, calculations, and payouts—without extra work for managers.
Transportation
Pay drivers and warehouse workers without delay after every shift.
Staffing
Win loyalty from temporary talent so they choose your assignments over competitors’.
“Instant has been an exceptional partner every step of the way, consistently demonstrating trustworthiness and a commitment to supporting both our company and our employees. In my 20+ years in payroll, I can confidently say, Instant has been the best partner I’ve ever worked with”
Christy Wasdin, Director of Payroll & HRISGPS Hospitality 
“Instant has been an exceptional partner every step of the way, consistently demonstrating trustworthiness and a commitment to supporting both our company and our employees. In my 20+ years in payroll, I can confidently say, Instant has been the best partner I’ve ever worked with”
Christy Wasdin, Director of Payroll & HRISGPS Hospitality
“Instant has been an exceptional partner every step of the way, consistently demonstrating trustworthiness and a commitment to supporting both our company and our employees. In my 20+ years in payroll, I can confidently say, Instant has been the best partner I’ve ever worked with”
Christy Wasdin, Director of Payroll & HRISGPS Hospitality
“Instant has been an exceptional partner every step of the way, consistently demonstrating trustworthiness and a commitment to supporting both our company and our employees. In my 20+ years in payroll, I can confidently say, Instant has been the best partner I’ve ever worked with”
Christy Wasdin, Director of Payroll & HRISGPS Hospitality 
“Instant has been an exceptional partner every step of the way, consistently demonstrating trustworthiness and a commitment to supporting both our company and our employees. In my 20+ years in payroll, I can confidently say, Instant has been the best partner I’ve ever worked with”
Christy Wasdin, Director of Payroll & HRISGPS Hospitality
“Instant has been an exceptional partner every step of the way, consistently demonstrating trustworthiness and a commitment to supporting both our company and our employees. In my 20+ years in payroll, I can confidently say, Instant has been the best partner I’ve ever worked with”
Christy Wasdin, Director of Payroll & HRISGPS Hospitality
Seamless Payroll Integrations
Instant connects directly to the payroll and time-and-attendance platforms you already use, so setup is quick and disruption-free.
No downtime
Integrates with payroll, HCM, and time & attendance platforms with little manual work.
No onboarding fees
Getting started is free and easy for your team and employees.
Compliant in all 50 states
Built to meet state and federal wage and labor rules so you can roll out with confidence.
You keep your current workflows. We plug in and keep things moving.
Payroll Integration FAQ
Get quick answers about how Instant integrates with your payroll. From setup to compliance, here’s what you need to know to launch quickly and keep your team running smoothly.
How fast can Instant be live with our payroll system?
Instant can integrate with your payroll system in as little as weeks. We connect to many leading payroll and time‑and‑attendance platforms, so setup is simple. Your team keeps working as usual while we handle the connection.
Is there any cost to us or our employees for standard withdrawals?
No. There is no cost to the employer to integrate Instant. For employees, standard withdrawals are free every time. They do have the option to access their funds via instant transfer for a small fee. Employees have the freedom and flexibility to choose how and when they get paid.
How much administrative work is required from our team?
Instant runs in the background once connected to your payroll and time-and-attendance systems. There’s no ongoing manual work, and our support team handles technical updates for you.
Does Instant work for both hourly and salaried employees?
Yes. Instant supports hourly, tipped, seasonal, and salaried staff and employees without traditional bank accounts. Instant also supports unbanked, partially banked and those under the age of 18.
Can we control how much of their earnings employees can access?
Instant allows employees to access up to 50% of their earned wages. We have seen that offering this amount provides flexibility while encouraging responsible use.
What kind of support do you offer after launch?
Our customer success team provides ongoing support for both you and your employees, including training resources, best practices, and helpdesk access.
How do you support compliance in all 50 states?
Instant is designed to meet wage and labor laws in all 50 states. We have a dedicated team who work with legal and payroll experts to keep you compliant as rules change.
Building a Culture of Respect and Financial Wellness
Offering earned wage access tells your team you value more than the hours they work. It shows you care about their ability to manage life’s demands and plan ahead with confidence.
That kind of support builds loyalty, strengthens your reputation, and helps you stand out as an employer people are proud to work for.
Ready to Transform How Your Employees Get Paid?
Give your team same-day access to earnings and watch the positive impact on hiring, retention, and morale. Connect with the Instant team and see how quickly you can roll it out.
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Additional Resources
Below are some additional resources to help you in your research
Check out the Instant Payments Podcast featuring industry veterans who are transforming payroll and payments
