Immediate vs Instant Financial
Immediate
joinimmediate.com
Instant Financial
instant.coSide by side
| Figure | Immediate | Instant Financial |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 1 | 3 |
| Spec score · Earned Wage Access Software | 7.9 (#5) | 8.9 (#1) |
| Founded | 2019 | Instant was founded in 2015 to give workers immediate access to earned wages without fees. |
| Headquarters | Birmingham, Alabama, United States | Alpharetta, Georgia, United States |
| Integrations | The marketplace lists payroll systems including ADP Workforce Now, APS, BambooHR, Paychex, Paycor, Paylocity, TriNet, and UKG Pro. | Instant lists integrations with Paychex, UKG, ADP, P&A Group, Delaget, Harri, and Paylocity. |
| Security | Immediate says it uses physical, technological, and organizational measures to protect personal information, and its cashless tips page says personal data is encrypted at rest and in transit. | Instant says it uses firewalls, encryption techniques, and authentication procedures to protect online sessions. |
| Support | Immediate lists support by chat, email, and phone, with support hours Monday through Friday, 24 hours a day. | The help center is organized into cardholder, admin, employee, reporting, back-office and product-release-note sections. |
Plans
Instant Financial
- Free ACH TransferFree
- Instant PricingFree
- Fast Bank Transfer$3.50, paid once
In their own words
Immediate
ImmediatePay is an employer-provided benefit that lets eligible employees access earned pay between paydays. Employees can view available earnings in the app and transfer funds to a bank account or debit card. Immediate says debit-card transfers may arrive in as little as 30 minutes, while ACH timing depends on the bank’s operating hours. It charges no interest and describes early wage access as having a small, nominal flat fee; access through merchant cards, paycard, and next-day ACH is free. Employers can offer cashless tips through their existing payroll process and push off-cycle payments for corrections, bonuses, rewards, tips, and termination pay. Those payments are reconciled against the next regular check date. Immediate lists payroll integrations including ADP Workforce Now, APS, BambooHR, Paychex, Paycor, Paylocity, TriNet, and UKG Pro, and says most new integrations can be completed in as little as two weeks. The service is available on Android, iOS, and web. Employees need an invitation and unique enrollment code from a participating employer to use ImmediatePay. The employer plan is listed as free, with no long-term contracts stated.
Instant Financial
Instant Financial gives employers tools for earned wage access, tip payouts, and virtual pay cards. With Instant Pay, employees can access up to half of a day’s wages the next day after working. Instant Tips lets managers move tips into employees’ Instant accounts immediately after a shift. Funds can be received through a physical or virtual Visa debit card, direct bank transfer, or mobile wallet. The Instant Card works wherever Visa is accepted and supports withdrawals at more than 40,000 surcharge-free ATMs. The app also includes five financial wellness tools, including high-yield savings, credit-building solutions, and health benefits. Instant lists integrations with Paychex, UKG, ADP, P&A Group, Delaget, Harri, and Paylocity. Employees can use Android, iOS, or a desktop browser with Safari or Chrome. A free plan is listed at free; pricing is also available on request.