Make Everyday Payday. Talk to sales.
Reward the People Behind Every Shift, Shelf, and Smile
Empowerment starts with access. Retail workers are the heartbeat of your brand so let them tap into their earned wages when they need them most.
Benefits of Using Instant
People work in hospitality for the fun and freedom of it, with full lives off the clock. Instant’s payment solutions are built to match that pace, helping you stay on top of your business and finances while giving your team the freedom they value.
Increase
Retention
Retention
85% of working Americans would stay at a job much longer than normal if they had immediate free access to their earned pay after every day’s work.*
*based on finding from Instant’s “Wages and Wellebing* Study, 2024.
Improve Time
Clock Behavior
Clock Behavior
85% of employees would be likely or very likely to arrive on time and work a full day If given immediate, free access to a portion of earned pay.*
*based on finding from Instant’s “Wages and Wellebing* Study, 2024.
Boost Employee
Morale
Morale
37% of employees say that same day access to pay would Improve job satisfaction at work*
*based on finding from Instant’s “Wages and Wellebing* Study, 2024.
Cut Recruiting
Costs
Costs
86% of working Americans would be more interested in applying for a job that pays them the same day they work.*
*based on finding from Instant’s “Wages and Wellebing* Study, 2024.
Amplify Employee
Engagement
Engagement
77% of working Americans think it’s a big advantage in recruiting if a company is providing the option for employees to receive part of their pay every day.*
*based on finding from Instant’s “Wages and Wellebing* Study, 2024.
Why the Retail Industry Chooses Instant
Earned wage access takes the pain out of payroll for you and your team. Simplify your operations and show up for your staff by eliminating:
High turnover and constant staffing shortages
Stressful delays between shifts and paydays
Challenges supporting unbanked and underbanked employees
Administrative overload and compliance headaches
Increase Retention
86% of working Americans would stay at a job much longer than normal if they had immediate free access to their earned pay after every day’s work.*
*based on finding from Instant’s “Wages and Wellebing* Study, 2024.
86%
Improve Time Clock Behavior
85% of employees would be likely or very likely to arrive on time and work a full day If given immediate, free access to a portion of earned pay.*
*based on finding from Instant’s “Wages and Wellebing* Study, 2024.
85%
Boost Employee Morale
37% of employees say that same day access to pay would Improve job satisfaction at work*
*based on finding from Instant’s “Wages and Wellebing* Study, 2024.
37%
Cut Reccuring Costs
86% of working Americans would be more interested in applying for a job that pays them the same day they work.*
*based on finding from Instant’s “Wages and Wellebing* Study, 2024.
86%
Amplify Employee Engagement
77% of working Americans think it’s a big advantage in recruiting if a company is providing the option for employees to receive part of their pay every day.*
*based on finding from Instant’s “Wages and Wellebing* Study, 2024.
77%
The Instant Platform
Instant Pay
Your employees want the freedom of being paid when they want and to how they want. Not everyone can afford to wait a week or two until payday.
Instant Pay
Your employees want the freedom of being paid when they want and to how they want. Not everyone can afford to wait a week or two until payday.
Instant Pay
Your employees want the freedom of being paid when they want and to how they want. Not everyone can afford to wait a week or two until payday.
Instant Pay
Your employees want the freedom of being paid when they want and to how they want. Not everyone can afford to wait a week or two until payday.
The Instant Platform
Earned Wage Access (EWA)
Say goodbye to the two-week pay period with earned wage access. Today’s workers demand a faster payment solution, and we’re here to provide it. With our EWA payment model, employees receive their money as they earn it, eliminating the pointless and often stressful waiting period between pay cycles.
With deposits sent directly to employees at the end of every shift, earned wage access allows for the financial freedom and flexibility that your staff deserves.
The Instant Financial Platform
Digital Tipping Disbursement
Our streamlined tipping solution allows for fast and easy access to earned tips. Digital tipping disbursement allows for both quicker access to funds for employees and added ease of payments with less reliance on cash for employers.
The Instant Platform
Electronic Payroll Cards
With our hospitality electronic payroll cards, you can simplify your payroll process and grant financial flexibility. These digital and physical cards offer secure instant access to wages.
This hospitality payroll solution avoids the hassle of traditional banking while still taking advantage of features like online bill payments and shopping, transferring funds to bank accounts, and accessing ATMs.
The Instant Platform
Instant Financial Wellness
Support your associates beyond payday with Instant’s suite of 5 best-in-class financial wellness tools—available directly in the Instant App.
From high-yield savings and credit-building solutions to affordable health benefits, these tools empower employees to reduce stress, stay focused, and feel valued. It’s a smart way to boost retention, reduce absenteeism, and show your workforce that their wellbeing matters.
Seamless Integration with Your Systems
Whether you have one store or hundreds, Instant integrates with your existing payroll systems for a smooth, stress-free setup. Because in retail, flexibility isn’t a bonus — it’s essential.
I am really impressed with the ease of using Instant. Once the employee registers/onboards to Instant, the employee goes from pending to active within a short period of time. I am able to send payments immediately if needed. Also, the assistance I received through the transition to using the Instant cards has been wonderful.
Laura Satterly, Payroll ManagerShoe Sensation USA 
Success Stories from Retail Leaders
Powered by the Instant 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
Powered by the Instant 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
I am really impressed with the ease of using Instant. Once the employee registers/onboards to Instant, the employee goes from pending to active within a short period of time. I am able to send payments immediately if needed. Also, the assistance I received through the transition to using the Instant cards has been wonderful.
Laura Satterly, Payroll ManagerShoe Sensation USA 
I am really impressed with the ease of using Instant. Once the employee registers/onboards to Instant, the employee goes from pending to active within a short period of time. I am able to send payments immediately if needed. Also, the assistance I received through the transition to using the Instant cards has been wonderful.
Laura Satterly, Payroll ManagerShoe Sensation USA
I am really impressed with the ease of using Instant. Once the employee registers/onboards to Instant, the employee goes from pending to active within a short period of time. I am able to send payments immediately if needed. Also, the assistance I received through the transition to using the Instant cards has been wonderful.
Laura Satterly, Payroll ManagerShoe Sensation USA
Success Stories from Retail Leaders
Powered by the Instant App
With the Instant app, your employees can:
Get paid the same day they worked
Track pay and spending
Pay bills and make purchases online
Transfer money to a bank account
Receive notifications when their pay is ready
Use Instant account for savings
What Makes Instant the Right Choice
Instant and flexible employee access to wages
Powerful yet user-friendly platform and mobile app
Dedicated customer success and onboarding team.
Industry-leading digital tipping and experience
Other Solutions
Delayed wages and predatory fees
Limited tipping options or manual processes
Outdated or clunky user interfaces
Little to no onboarding or customer support
Insights for Retail Professionals
Forward-thinking employers create the best workplaces, where teams feel supported, valued, and eager to show up. Want to sharpen your tools and stay one step ahead? Our blog is packed with practical insights to help you build a stronger team and get more out of your retail payroll solutions.
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Instant Financial’s survey finds that earned wage access programs contribute positively to...
Frequently Asked Questions by Retail Leaders
Curious how Instant can transform your payroll? We’ve got all the answers.
No, an EWA payment is not a payday loan. It’s a responsible way for employees to access a portion of their already earned wages, without interest, debt, or hidden fees.
More than likely, yes. Instant integrates with many payroll and HCM systems, making setup seamless and compliant with wage and labor laws across all 50 states. Schedule a demo here to find out if Instant’s retail payroll solutions work with your system.
Yes, you can! Instant is fully compliant with wage and labor laws in all 50 states, so your team can enjoy responsible, flexible pay from anywhere on the map.
Ready to make a difference in the lives of your employees?
Schedule a quick chat with the Instant team and learn how earned wage access can help improve employee experience instantly.
