Immediate
6.6#5 in earned wage access softwareFree planFree planAndroidiOSWeb
VisitImmediate vs Rain
What both publish
| Fact | Immediate | Rain |
|---|---|---|
| Integrations | The marketplace lists payroll systems including ADP Workforce Now, APS, BambooHR, Paychex, Paycor, Paylocity, TriNet, and UKG Pro. | Rain lists pre-built connectors to 100+ platforms and names Workday, Microsoft Teams, Paylocity, SAP, ADP, and UKG as featured partners. |
| 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. | Rain markets the platform to employers seeking financial health benefits for their workforce and to employees who want access to earned pay before payday. |
| Mobile apps | ImmediatePay is listed for iPhone on the App Store and for Android on Google Play. | Rain directs employees to download Rain Instant Pay from the Apple App Store or Google Play Store. |
| Product | ImmediatePay lets eligible employees access earned pay between paydays through an employer-provided benefit. | Rain describes itself as an AI financial health platform for employees and employers. |
| 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. | Rain states that it uses end-to-end encryption and is certified to SOC 1 Type 2, SOC 2 Type 2, and ISO/IEC 27001 standards. |
| Support | Immediate lists support by chat, email, and phone, with support hours Monday through Friday, 24 hours a day. | Rain advertises 24/7 U.S.-based user care, response times under 30 seconds, and English- and Spanish-speaking support. |
Immediate plans
- ImmediatePay for employersFree
Rain plans
- Standard bank transferFree
- Instant transfer$3.99, paid once
- Employer-sponsored earned wage accessPriced on request
Pick Immediate if…
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.
Pick Rain if…
Rain is aimed at employers offering financial health benefits and employees who want access to earned pay before payday. Its tools may also suit employees seeking budgeting, spending analysis or financial coaching features.