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Instant Card. Virtual Payroll Cards for Employees
A virtual and physical Visa® payroll card designed to give employees a secure and efficient way to receive, access, and manage their wages.
The Gold Standard in Employee Pay Solutions
Upgrade your payroll process and employee compensation with Instant Card.
This modern, industry-leading product takes a virtual-first approach to pay cards, providing instant access for new hires and simplifying payroll management for employers.
How Instant Card Helps Your Business
The traditional pay cycle is dated.
It’s time to adopt earned wage access and let your employees cash out when they clock out.
The Easiest Way to Pay
The Instant Card makes it easy to pay every employee on time—whether they’re banked, unbanked, or somewhere in between. It’s a fast, reliable, and inclusive solution that fits your entire workforce.
Designed to Better Your Bottom Line
Instant Card eliminates the hidden costs of paper checks, manual processes, and paycard inventory. With automated digital payouts, you reduce payroll overhead while increasing efficiency and transparency.
Turn Your Employees Into Advocates
When employees get fast, secure access to their pay, they feel valued—and it shows. Instant Card helps you deliver a modern pay experience that builds trust, loyalty, and word-of-mouth referrals from happy team members.
Decrease Employee Turnover
Timely, reliable pay is a powerful retention tool. With Instant Card, employees gain immediate access to their earnings without friction, helping reduce financial stress and giving them one more reason to stay.
How Instant Card Helps Your Business
The traditional pay cycle is dated.
It’s time to adopt earned wage access and let your employees cash out when they clock out.
The Easiest
Way to Pay
Way to Pay
The Instant Card makes it easy to pay every employee on time—whether they’re banked, unbanked, or somewhere in between. It’s a fast, reliable, and inclusive solution that fits your entire workforce.
Designed to Better
Your Bottom Line
Your Bottom Line
Instant Card eliminates the hidden costs of paper checks, manual processes, and paycard inventory. With automated digital payouts, you reduce payroll overhead while increasing efficiency and transparency.
Turn your Employees
Into Advocates
Into Advocates
Timely, reliable pay is a powerful retention tool. With Instant Card, employees gain immediate access to their earnings without friction, helping reduce financial stress and giving them one more reason to stay.
Decrease Employee
Turnover
Turnover
Offering EWA is a powerful indicator of employer support: 74% of workers feel more valued, perceiving it as genuine care and a proactive effort to help.
How Does Instant Tips Work?
Empower your employees in four simple steps.
- Employees choose Instant Card as their preferred pay method.
- Admin updates payroll system with the employee’s pay election method.
- On payday, employee pay is loaded onto the Instant Card.
- Ping! Employees are notified, pay is available on their card and ready to spend.
The Gold Standard in Employee Pay Solutions
The Easiest Way to Pay
The Instant Card is a simple way to pay employees each payroll period, regardless of their banking situation.
Designed To Better Your Bottom Line
The Instant Card reduces costs associated with manual payroll processing and employee expenses.
Ciao, Checks
Why wait for a check or a deposit? Instant Card gives you access to your wages the day after they’re earned.
What Sets Instant Apart From Other Payroll Cards for Employees?
01 No Card Management
Skip the hassle of ordering, storing, and managing card stockpiles. With Instant’s virtual card.
No Banking Necessary
With a paycard for employees, your talent pool widens to include those who don’t have bank accounts.
Instant Digital Delivery
Employees can receive and start using their digital card immediately — no need to wait for a physical card to arrive.
02 Faster Onboarding
Between tax documents, uniform selection, and on-the-job training, let the easy part be setting up payroll. Debit cards are a thing of the past — Instant Cards are here.
Immediate Funds
Employees get instant access to their funds, eliminating the need for a physical debit card.
Frictionless Setup
With no bank account required and no paperwork delays, employees can enroll and start receiving pay within minutes.
03 24/7 Access
Our payroll cards for employees are available for use online, via smartphone digital wallets or they can withdraw money, fee-free at over 40,000 in-network ATMs.
After-Work Payments
Employees can start using their funds on the Instant Card right after their shift.
Anytime, Anywhere Access
Whether it’s paying bills on the couch or grabbing groceries on the way home, employees have immediate access to their wages — day or night.
04 Secure Payments
Tap-to-pay technology ensures secure transactions.
Built-In Fraud Protection
Advanced security features help protect employees against unauthorized transactions and potential fraud.
Cardholder Controls
Employees can easily lock or unlock their card, track spending, and monitor transactions in real-time through the Instant app.
05 Cards That Coexist With Your Systems
Instant payment cards for employees are built to work effortlessly with popular payroll and HCM platforms. We’re fully aligned with wage and labor regulations in every U.S. state, so you can launch with confidence.
Zero Employer Fees
Instant Card is completely free for employers and requires only minimal changes to your existing payroll system.
Designed for Everyone on Your Team
Instant Card is available to your full workforce, including employees under 16 and those without access to traditional banking.
Want to see who we work with?
Explore our partnerships here.
Brands Who Choose Instant:
“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 
"I wouldn’t make it without Instant Pay. I’m a single mother and need money between pay periods for diapers and formula."
Destiny NCashier, Church's Chicken 
"Instant was important to us as a way to be competitive with other restaurants in the same space as us. We wanted to make sure we had what the employees needed so they don’t go to loan places that are very expensive and very taxing on their financial wellness."
Laura McLandSun Holdings
We’re Passionate About Payday
“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
We’re Passionate About Payday
Read Our One Pager About the Benefits of Payroll Cards for Employees
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
Access a suite of financial wellness tools
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
How do we know Instant Pay works?
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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.
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.
The Instant Platform
Instant Tips
An easy to use and fast digital tipping software that enables payroll managers to payout staff tips at the end of their shift. No cash, no hassle.
The Instant Platform
Instant Card
Available to 100% of employees, Instant Card is a physical and virtual Visa® payroll card, to give employees a secure and efficient way to receive, access, and manage their wages.
The Instant Platform
Instant Financial Wellness
Boost your employee retention and adoption by offering a comprehensive suite of best-in-class financial wellness tools directly available to employees in the Instant App.
How Instant Card Helps Your Business and Employees
Instant Card is an easy way to pay your workforce—banked, unbanked, or anywhere in between. Available in both physical and virtual formats, it’s a fast, reliable, and inclusive solution that ensures every employee gets paid on time.
By eliminating the hidden costs of paper checks, manual processes, and paycard inventory, Instant Card helps you streamline payroll while boosting efficiency and transparency. Employees get quick and secure access to their pay, which reduces financial stress and helps improve retention—turning your team into loyal advocates for your business.
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Instant Financial’s survey finds that earned wage access programs contribute positively to...
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Instant Financial’s survey finds that earned wage access programs contribute positively to...
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Learn why workers are pushing for fee-free Earned Wage Access (EWA) and...
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.
