The Best Benefit You Can Provide

We believe the traditional pay cycle is dated. We’re setting the new standard in earned wage access by letting employees cash out as soon as they clock out.

Illustration of a man and woman in purple and orange smiling after learning more about earned wage access.

Crafted With You in Mind

A no-friction, no-fee way of delivering earned wage access to your employees, anytime they need it.

Illustration of the Instant Financial Instant Pay Visa card that allows employees to use earned wage access app features.

Your Employees Deserve Better

Earned wage access helps bridge the gap between workday and payday, allowing employees to take control of their finances.

Purple and orange icons of a star and a heart showing employers how to offer financial benefits that matter.

Earned Wages Built for Today

Employees want to align themselves with employers that share their values. Instant empowers you to offer financial benefits that matter.

An Overview of Instant Pay

Your employees are the lifeblood of your business. Give them the benefits they deserve, with fee-free access to their pay on the same days they work. Improve retention, reduce turnover and create a workforce of engaged staff, with Instant Pay.

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App Store Review

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4.5 out of 5

4.5 out of 5


AS EASY AS MOBILE FINANCING

I love always being able to check my account balance right when I open up the Instant app and I haven’t had a single problem with the card transactions. Thanks, Instant!

Jaguar Scout, Apple App Store Review

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What is Earned Wage Access?

What is EWA? It’s a transformative service that allows employees to access earned wages before their scheduled pay period ends. Instant Pay is revolutionizing how your employees receive their paychecks, providing immediate relief from unexpected expenses and sidestepping overdraft fees and payday loans. You can almost think of it as on-demand payroll without adding extra work for your payroll team.

  • Immediate Funds: Access earned pay instantly through our innovative earned wage access apps.
  • Fee-Free Solution: Experience the convenience of early pay without any hidden charges.
  • Financial Control: Employees get earned wages access as soon as they earn them, giving them control over their finances.
  • Boost in Wellbeing: Enhance your employee financial wellness with tools that alleviate financial stress.
  • Retention and Satisfaction: Offering Instant Pay can significantly improve job satisfaction and employee retention, thanks to the wage access benefits.

Get earned wage access, the definition of financial empowerment, with Instant Pay, and unlock the full potential of your employees’ paychecks today!

How Does Instant Pay Work?

Empower your employees with fee-free earned wage advances, in just four simple steps.

Instant Pay Step 1 to bridge workday and payday

Employees download the Instant app, and opt in to earned wage access with you, their employer.

Instant Pay Step 2 to bridge workday and payday

Employees complete their work day and clock out as usual.

Instant Pay Step 3 to bridge workday and payday

Employees receive a notification on their smartphone with an option to receive a portion of their earnings.

Instant Pay Step 4 to bridge workday and payday

Pay is loaded directly to their accounts, which they can access via the Instant app for instant use.

ON PAYDAY

Employees enrolled in Instant Pay will see two transactions on scheduled paydays:

Net Pay, matching their pay stub.

Instant Pays Recouped, matching any Instant Pay offers taken that month.

Learn more about Instant Pay

Download our ‘Instant Pay at a Glance’ overview resource to learn more about our fee-free earned wage access product.

A smiling, dark-haired woman holding a tablet to check on her earned wage access benefits.

Employees? Advocates.

Instant Pay Benefit for Employees

With Instant Pay, your employees will be able to:

⦿ Claim up to half of their pay after each shift

⦿ Make purchases anywhere Visa® is accepted

⦿ Access over 40,000 surcharge-free ATMs

⦿ Transfer wages to a bank account

⦿ Pay their bills online

All made possible by the industry’s leading fee-free EWA solution.

Instant Love From the Ones Who Matter Most

Giving employees instant access to their pay, without requiring them to do or
pay anything in return is a recipe for pure love.

Illustration of a person and a magnet signifying how earned wage access benefits can improve employee retention.

Improve Engagement and Retention

By offering Instant Pay as a benefit and not charging employees, you’re empowering your talent to have more control over their wages.

Illustration of a flower being watered to signify bottom-line growth that can arise from lower costs.

Boost Your Bottom Line

With an on-demand pay solution that cares about your bottom line, you can save on recruiting costs, onboarding, and training new workers.

Illustration of puzzle pieces fitting together, signifying how Instant integrates with top payroll and HCM systems.

Business As Usual

Instant integrates seamlessly with leading payroll and HCM systems, making set-up seamless. Plus, we’re compliant with wage and labor laws in all 50 states.

Powered by the Instant App

Instant Pay app - earned wage access app

With the Instant app, your employees can:

⦿ Get paid the same day they worked

⦿ Receive notifications when their pay is ready

⦿ Track pay and spending

⦿ Transfer money to a bank account

⦿ Pay bills and make purchases online

⦿ Use Instant account for savings

Two screenshots of the Instant App from Instant Financial featuring earned wage access, bill pay, and more.
Photo of an Instant Financial customer whose company uses Instant to help employees and aid recruiting and retention.

David Bode

Checkers and Rally’s, Sr. Director People Support

“Based on the success of the pilot, the company rolled out the platform to all of our 250 company stores. [Instant] helped the company’s recruiting and retention efforts. We were finding that employees were asking, ‘Do you have any shifts that I can pick up?’”

Ready to make a difference in the lives of your employees?

Schedule a quick chat with the Instant team and learn how our fee-free earned wage
access solution can help improve employee experience instantly.

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There are no fees associated with getting Instant Pay funds loaded to cardholder account, but cardholder may incur fees associated with using out-of-network ATMs. Please refer to cardholder agreement at instant.co/CHA