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Instant Pay
Earned Wage Access
The industry’s leading earned wage access solution that gives employees access to a portion of their pay as soon as they earn it.*
What is Earned Wage Access?
EWA gives employees flexible access to their already earned wages—before payday.
Instant Pay is our EWA solution designed to support your workforce when it matters most. By providing early access to earnings, it helps employees manage unexpected expenses, avoid overdraft fees, and steer clear of high-interest payday loans. Simple to implement and powerful in impact, Instant Pay helps you empower your workforce and improve retention—without adding extra work for payroll.
How Instant Pay 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.
Competitive
Differentiation
Differentiation
As workers increasingly prioritize pay flexibility and financial wellness, 86% are more interested in applying for a job that offers early access to earned wage.
Decrease Employee
Turnover
Turnover
Financial stability is a powerful retention tool: 74% of employees indicate they would stay longer with employers providing immediate access to their earned pay.
Improve Timecard
Compliance
Compliance
Flexible access to earned pay directly incentivizes timely clock-ins and outs, with 85% of workers reporting they would arrive on time as a result.
Increase Engagement
& Morale
& Morale
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 Instant Pay 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.
Competitive Differentiation
As workers increasingly prioritize pay flexibility and financial wellness, 86% are more interested in applying for a job that offers early access to earned wage.
Decrease Employee Turnover
Financial stability is a powerful retention tool: 74% of employees indicate they would stay longer with employers providing immediate access to their earned pay.
Improve Timecard Compliance
Flexible access to earned pay directly incentivizes timely clock-ins and outs, with 85% of workers reporting they would arrive on time as a result.
Increase Engagement & Morale
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 Instant Pay Works
Your employees are the lifeblood of your business.
Give them the benefits they deserve, with free ACH access to their pay. Improve retention, reduce turnover, and create a workforce of engaged staff with Instant Pay.
In Demand Employers, Pay On Demand
Rethink Pay. Retain Talent
Employees don’t want to wait to be paid. You can solve that!
The Wait is Over
We live in an on-demand economy. Nobody has to wait weeks for payday.
Flexible EWA Models
Choose a recovery path that seamlessly suits your set up.
Main Features & Benefits of EWA
01 Engagement & Retention
Instant Pay is free to implement and gives your employees more control over their wages.
Boost in Wellbeing
Enhance the financial wellness of your employees with tools that alleviate financial stress.
Retention & Satisfaction
Offering Instant Pay can significantly improve job satisfaction and employee retention, thanks to the wage access benefits.
02 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.
Recruiting is Exhausting
74% of employees would stay at a job longer that offers same day access to wages meaning you can save on advertising, recruiting and retraining costs.
Punch Clock Management
Improve labor allocation and budgeting and workforce time auditing in an instant with reliable punch clock data.
Guest Experiences
Reducing financial stress turns disengaged team members into happy and satisfied workers resulting in better customer interactions.
03 Integrates Seamlessly
Instant Pay is free to implement and gives your employees more control over their wages.
No Cost for Employers
Instant is free and it is super easy to implement with minimal disruption to your current payroll process.
100% of Employees
Available to your entire workforce, Instant caters to those under the age of 16 and to groups who are unbanked.
The Brands Revolutionizing the Way People Get Paid
ENTER YOUR INFORMATION
1
20,000
0%
200%
$0
$10,000
TOTAL COST SAVINGS:
$0
ANNUALLY
*total BASED on assumptions and CALCULATED AVERAGES.
Stop Turnover From Draining Your Budget
Use our turnover and savings calculator to find out how much you could save each year by retaining more of your employees.
“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
“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
Wages + Wellbeing Report
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
The Instant Platform
Instant Pay
Your employees want the freedom of being paid when they want and 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 do you know Instant Pay works?
The proof is in the results. Organizations across industries are seeing happier, more engaged teams, lower turnover, and reduced administrative costs with Instant Pay. When employees can access their earnings right away, they feel more valued — and that drives performance.
Explore our resources to see the impact for yourself.
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Instant Financial’s survey finds that earned wage access programs contribute positively to...
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As part of our Wages & Wellbeing study results, in this first...
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.
