Instant Pay

An earned wage access solution enabled with real-time bank transfer powered by Visa®.

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What Is Instant Pay

Instant Pay is a free modern earned pay solution that benefits both employees and employers

It is an earned wage access and pay card solution that gives employees the opportunity to access their pay through a Visa debit card after every shift – at no cost to you or them*. Instant works alongside existing human capital management, payroll and time and attendance solutions. It is a vital employee financial wellness benefit that will differentiate your business from your competitors.

What’s more, with Instant Financial app, your employees will be able to utilize real-time** bank transfer powered by Visa that will allow them to move their money to their bank account in minutes using their debit card number. This will enable them to use their wage to cover bills and unexpected expenses and help them avoid late fees and predatory payday loans. In return, you will see enhanced employee engagement, reduced workforce absenteeism, lower turnover, and increased job applicants, which will improve your bottom line.***

* There are NO costs to businesses and employees. Instant Financial drives revenue from interchange fees that Visa® charges merchants every time Instant debit card users make a purchase.

** The transfer can take up to 30 minutes. Actual fund availability varies by financial institution and region.

Why Now

With Instant Pay, you’ll provide your employees with the way of getting paid that fits their lives

Today, people are used to getting what they want with a tap of a smartphone – order Uber, buy on Amazon, order grocery or pizza delivery. They expect the same on-demand convenience across all areas of their lives including the way they get paid.

With the rise of the gig economy, many prefer to work for a company that pays instantly.*** Everything has evolved with technological progress except for pay, and now a 2-week pay cycle can’t keep up anymore.

In addition, recent pandemic revealed that flexible access to earned pay is no longer a preference, it is a necessity that helps employees be prepared in this uncertain time. By providing Instant Pay featuring real-time bank transfer, you’ll help reduce financial stress and fear of uncertainty for your employees.


*** The Center for Generational Kinetics "Wage Frequency Study."

Request a Demo

See how Instant Pay works

Submit a demo request and a member of our team will be in touch shortly.