Immediate

B tier on Earned Wage Access SoftwareScore 7.1 · #2 of 16

Android app: Yes
Free plan: Yes
Runs on: Android, iOS, Web

joinimmediate.com

Summary

Immediate offers ImmediatePay, an employer-provided benefit that lets eligible employees access earned wages before payday. Employees can check 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; ACH timing varies with the bank’s operating hours. The service charges no interest and describes early wage access as carrying a small, nominal flat fee. Access through merchant cards, paycards, and next-day ACH is free. Employers can also offer cashless tips through their existing payroll process, or send off-cycle payments for items such as corrections, bonuses, rewards, tips, and termination pay. Those payments are reconciled against the next regular check date. Immediate lists integrations with payroll systems including ADP Workforce Now, Paychex, Paycor, Paylocity, BambooHR, 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 enroll.

Who it is for

Immediate suits employers looking to offer earned-wage access, cashless tips, or off-cycle payments, and their employees. Employees can use it only if their employer is signed up and sends an invitation code.

What is good

Supports bank-account and debit-card transfers.
Cashless tips work with existing payroll processes.
Offers several payroll system integrations.
Available on Android, iOS, and web.

What to know first

Requires a participating employer and an invitation code.
Early wage access may carry a nominal flat fee.
ACH transfer timing depends on bank hours.

Verdict

Immediate combines earned-wage access with employer tools for tips and off-cycle payments. Employee access depends on employer participation and an invitation; transfer timing and fees vary by method.

Immediate plans and pricing

All plans

ImmediatePay for employers Free Free for employers · no long-term contracts stated joinimmediate.com · 30 Sept 2026

Compared on earned wage access software

Employee mobile app: Yesjoinimmediate.com
Instant wage transfer: Yesjoinimmediate.com
Payroll integration: Yesjoinimmediate.com
Timesheet integration: Yesjoinimmediate.com
Earnings data source: timesheetjoinimmediate.com
Eligibility rules: Yesjoinimmediate.com

Facts

Product: ImmediatePay lets eligible employees access earned pay between paydays through an employer-provided benefit.joinimmediate.com · 30 Sept 2026
On-demand pay: Employees can view available earnings in the app and transfer funds to a bank account or debit card.joinimmediate.com · 30 Sept 2026
Transfer timing: The company says debit-card transfers can arrive in as little as 30 minutes, while ACH timing depends on the bank’s hours of operation.joinimmediate.com · 30 Sept 2026
Fees: Immediate says it charges no interest and describes early wage access as having a small, nominal flat fee; it also says access through merchant cards, paycard, and next-day ACH is free.joinimmediate.com · 30 Sept 2026
Cashless tips: Immediate offers a cashless tipping system that works with an employer’s existing payroll process for real-time tip access.joinimmediate.com · 30 Sept 2026
Off-cycle payments: Employers can push payments for corrections, bonuses, rewards, tips, and termination pay, with payments reconciled against the next regular check date.joinimmediate.com · 30 Sept 2026
Integrations: The marketplace lists payroll systems including ADP Workforce Now, APS, BambooHR, Paychex, Paycor, Paylocity, TriNet, and UKG Pro.joinimmediate.com · 30 Sept 2026
Integration setup: Immediate says most new integrations can be completed in as little as two weeks.joinimmediate.com · 30 Sept 2026
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.joinimmediate.com · 30 Sept 2026
Employer limits: Immediate says the benefit is free for employers, works with their current HR workflow, and does not require a long-term contract.joinimmediate.com · 30 Sept 2026
Eligibility: Employees can use ImmediatePay only when their employer is signed up and they receive an invitation email with a unique enrollment code.joinimmediate.com · 30 Sept 2026
Support: Immediate lists support by chat, email, and phone, with support hours Monday through Friday, 24 hours a day.joinimmediate.com · 30 Sept 2026
Intended users: Immediate describes its mission as providing seamless access to earned wages for the American workforce and presents the service to employers and their employees.joinimmediate.com · 30 Sept 2026
Mobile apps: ImmediatePay is listed for iPhone on the App Store and for Android on Google Play.apps.apple.com · 30 Sept 2026