Instant Financial
7.8#1 in earned wage access software$3.50 one-timeFree planAndroidiOSWeb
VisitInstant Financial vs Rain
What both publish
| Fact | Instant Financial | Rain |
|---|---|---|
| Earned wage access | Instant Pay offers employees access to up to half of their day’s wages the next day after working. | Employees can transfer up to 50% of current period earnings before payday. |
| Integrations | Instant lists integrations with Paychex, UKG, ADP, P&A Group, Delaget, Harri, and Paylocity. | Rain lists pre-built connectors to 100+ platforms and names Workday, Microsoft Teams, Paylocity, SAP, ADP, and UKG as featured partners. |
| Security | Instant says it uses firewalls, encryption techniques, and authentication procedures to protect online sessions. | 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. |
Instant Financial plans
- Free ACH TransferFree
- Instant PricingFree
- Fast Bank Transfer$3.50, paid once
Rain plans
- Standard bank transferFree
- Instant transfer$3.99, paid once
- Employer-sponsored earned wage accessPriced on request
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 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.