Instant Financial
7.8#1 in earned wage access software$3.50 one-timeFree planAndroidiOSWeb
VisitInstant Financial vs Refyne
What both publish
| Fact | Instant Financial | Refyne |
|---|---|---|
| Compliance | Instant states that its solution complies with wage and labor laws in all 50 states. | Refyne says it follows RBI KYC guidelines and DPDP, VAPT, labor-law, and RBI requirements, alongside SOC 2 and ISO 27001 compliance. |
| Founded | Instant was founded in 2015 to give workers immediate access to earned wages without fees. | 2021 |
| Headquarters | Alpharetta, Georgia, United States | Bengaluru, Karnataka, India |
| Integrations | Instant lists integrations with Paychex, UKG, ADP, P&A Group, Delaget, Harri, and Paylocity. | Refyne supports automated API integrations and can use employer, employee, salary, and attendance information for eligibility and salary calculations. |
| Security | Instant says it uses firewalls, encryption techniques, and authentication procedures to protect online sessions. | Refyne states that it is ISO 27001 and SOC 2 certified, encrypts data at rest and in transit, and has a dedicated InfoSec team. |
Instant Financial plans
- Free ACH TransferFree
- Instant PricingFree
- Fast Bank Transfer$3.50, paid once
Refyne 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 Refyne if…
It suits employers seeking financial-wellness benefits for on-roll or off-roll workers, and employees who want salary access, financial education, and planning tools through their employer.