Best Earned Wage Access Software
Earned wage access software allows employees to access a portion of the money that they have earned prior to their next scheduled payday. Employees use earned wage access software to keep track of how much money is available to them and withdraw funds as needed. The wages that they take out in advance are then deducted from their next paycheck. Employers offer earned wage access as a financial wellness benefit for their employees. These platforms are often used by businesses that employ hourly workers.
For employees who need money urgently, the ability to quickly access wages that they have already earned can save them from being charged overdraft fees for low account balances or taking on debt through payday loans or credit card charges. Having the option to access earned wages can lead to greater financial stability for employees, which in turn can benefit businesses by reducing employee stress, improving productivity, and increasing retention.
Earned wage access is sometimes called on-demand pay, instant pay, or daily pay benefit, but these terms all refer to the same thing. Many earned wage access platforms also offer features that support employees’ overall financial wellness, such as budgeting tools and financial education materials. Earned wage access platforms typically integrate with payroll software or core HR softwareto facilitate sharing of employee data.
To qualify for inclusion in the Earned Wage Access category, a product must:
Featured Earned Wage Access Software At A Glance
G2 takes pride in showing unbiased reviews on user satisfaction in our ratings and reports. We do not allow paid placements in any of our ratings, rankings, or reports. Learn about our scoring methodologies.
Paycom is the most automated HCM platform and the only HR and payroll software built on a truly single, unique database that automates the entire employee life cycle. Designed as a unified system,
Paycom is a comprehensive HR and payroll system that centralizes employee data, time tracking, and expense reconciliation. Reviewers like the user-friendly interface, the automation of various HR tasks, and the ability for employees to manage their own information, which saves time and reduces errors. Reviewers experienced issues with customer support response times, system glitches after updates, and found the platform to be complex and overwhelming for new users.
33,432 Twitter followers
DailyPay is a worktech platform driven by its mission to power daily opportunities for workers everywhere to live a better financial life. DailyPay’s platform, featuring the industry-leading On-Demand
3,384 Twitter followers
Wisely® by ADP gives employers the convenience and flexibility of a 100% electronic pay. It also provides employees with a digital banking alternative that comes with financial wellness tools. With
48,727 Twitter followers
ZayZoon is the financial empowerment platform for SMBs. With ZayZoon, payday finally comes with the push of a button. It’s free for employers and takes only 30 minutes to implement. Employees can use
789 Twitter followers
Rain is the leading financial health platform tackling the $1.9 trillion problem of employee disengagement caused by financial stress. We help employees move from paycheck-to-paycheck to financial res
Who is ProLiant? ProLiant is a payroll and HR technology provider dedicated to striking the perfect balance between service and technology. We offer fully integrated, cloud-based tools that simplif
ProLiant is a software that centralizes HR and payroll management, providing features for payroll processing, time tracking, benefits administration, and HR reporting. Users like the simplicity and user-friendliness of ProLiant, appreciating its intuitive interface, streamlined payroll deduction setup, and the ability to have all HR services under one website. Users reported issues with ProLiant's ability to handle local taxes, dissatisfaction with customer service, and challenges with the system's initial setup and navigation, especially for new users.
254 Twitter followers
Tapcheck is the leading on-demand pay provider, empowering employees to take control of payday. Seamlessly integrated with 300+ payroll and timekeeping systems, Tapcheck improves retention, simplifies
533 Twitter followers
nova is a fully unified payroll, HR, and benefits solution designed to help organizations automate their most critical workforce management tasks. This comprehensive platform addresses the evolving ne
Inova Payroll is a software that provides payroll processing and HRIS services to businesses. Reviewers like the quick and efficient customer support, the user-friendly interface, and the seamless integration with other software, which makes payroll management and HR tasks easier. Users experienced difficulties in navigating through some parts of the software, finding it not very intuitive, and had issues with the constant changes in the software's appearance.
568 Twitter followers
Payactiv makes access work—for people, for business, for growth. As the creator of Earned Wage Access, we work within payroll to provide responsible access to earned wages, proving that when people mo
1,774 Twitter followers
Sprout Solutions is a comprehensive HR and business solution designed to enhance organizational efficiency and employee success through the power of artificial intelligence. By integrating AI technolo
Sprout is a tool that is used for various HR concerns such as attendance logging, discrepancy resolution, and generating reports. Reviewers like the user-friendly interface of Sprout, its accessibility, and the fact that it houses all necessary company data in one place. Users reported limitations in some features, issues with third-party features, and the inconvenience of not being able to change leave dates without admin intervention.
1,031 Twitter followers
Branch is the leading workforce payments platform that delivers fast, flexible options for people to get paid. Easily pay W-2 and 1099 workers: offer cashless tips, reimbursements, paycard alternati
2,803 Twitter followers
FinFit was established in 2008 and currently services over 200,000 organizations across the United States. The company’s SaaS-based model provides holistic financial wellness services that include a p
264 Twitter followers
GoDo offers employees early access to their wages without fees or interest. The company is mission-driven to provide an innovative and ethical earned wage access program that makes it easy for employ
29 Twitter followers
Recruit, retain and improve employee productivity with the Earnin benefit. Earnin is a Financial Wellness platform specifically designed to help employees avoid debt, pay their bills, save for the fu
13,158 Twitter followers
PayDay Portal, developed by Gratuity Solutions, is an automated PayData Platform designed to streamline the collection, calculation, and distribution of employee earnings. By integrating directly with
