Instant Financial
7.8#1 in earned wage access software$3.50 one-timeFree planAndroidiOSWeb
VisitInstant Financial vs Payflow
What both publish
| Fact | Instant Financial | Payflow |
|---|---|---|
| Earned wage access | Instant Pay offers employees access to up to half of their day’s wages the next day after working. | Employees can access their accrued salary instantly at any time during the month and may advance part of their extra pay. |
| Founded | Instant was founded in 2015 to give workers immediate access to earned wages without fees. | 2020 |
| Headquarters | Alpharetta, Georgia, United States | Madrid, Spain |
| Integrations | Instant lists integrations with Paychex, UKG, ADP, P&A Group, Delaget, Harri, and Paylocity. | Payflow says it integrates with more than 60 HR and payroll systems. |
| Security | Instant says it uses firewalls, encryption techniques, and authentication procedures to protect online sessions. | Payflow says it holds AENOR ISO 27001 certification and medium-category Spanish National Security Framework conformity certification, has a DPO registered with the AEPD, and operates servers in the EU. |
| Security controls | Instant’s privacy policy says it uses firewalls, encryption techniques and authentication procedures to protect online sessions. | The product page says its AWS servers use DDoS and WAF protection, its database information is encrypted, and its security audits use Detectify. |
Instant Financial plans
- Free ACH TransferFree
- Instant PricingFree
- Fast Bank Transfer$3.50, paid once
Payflow plans
No prices published.
Pick Instant Financial if…
Instant Financial suits employers with frontline or hourly workers in fields such as hospitality, restaurants, retail, transportation, logistics, staffing, and security. It may also suit employees who want access to earned pay or digital tips through a card, bank transfer, or mobile wallet.
Pick Payflow if…
Payflow suits employers looking to offer eligible employees earned wage access, flexible benefits and financial education. Its web panel and payroll integrations are relevant to HR teams administering access and usage.