Best Earned Wage Access Platforms in the USA

OrbisPay provides a wages on-demand platform that allows employees to withdraw their earned wages daily instead of waiting for their paycheck. This service aims to reduce the reliance on predatory loans by offering unique benefits to millions of Americans living paycheck-to-paycheck. Our products and services help improve retention rates, increase productivity at work, save costs associated with turnover and achieve an overall financial well-being culture for your workforce.

PayDay portal centralizes management, automates processes, and creates remote access to data. Automate all your pay data needs with direct data synchronization from POS to payroll. Eliminate the daily task of manual input and calculations and the liabilities related thereto. Our solution provides employers with the option to pay their employees at the end of their workday. These real-time payments go directly into the employee’s bank account, debit, or reloadable prepaid card. Eliminate the manual processes used to collect and move data between disparate systems to calculate earnings and process payroll. Increase operational efficiency, mitigate risk, and provide your workforce with fast, accurate, and secure access to their earnings. Employers can increase operational efficiencies and mitigate risk by eliminating the need for their managers and payroll practitioners to perform manual collection and consolidation of all employee earnings-related data.

We are the most complete financial wellness app on the market. With Payflow, your employees get paid when they want and get access to flexible benefits from a single mobile app. Nurture happier teams by giving them control over their pay. A mobile app to get paid whenever they want, instantly and for free. Also, a card that allows them to save more through flexible benefits. An intuitive and comprehensive cloud-based control panel to manage Payflow and Flexflow which transforms the employee experience. We give your employees instant access to their earned wages at any time of the month; giving them the flexibility to get paid whenever and however they want. Saving money can be challenging, which is why we provide your team with a card that will help them save on expenses such as meals and public transportation, as well as enjoy additional benefits like childcare and education.

Loyalty to your collaborators and increase the productivity of your company with our work benefit plans that promote talent retention. Reduce staff turnover, attract the best talent, and drive productivity with a competitive job benefit plan. Employees accumulate usage benefits from the first few months. 100% tax deductibility with gasoline vouchers or 53% with pantry vouchers. Ensures the welfare compliance of your employees. By reducing financial stress on employees. We are a certified company. Your data is protected with minu. You can decide which of these plans to activate for your collaborators. You manage them from a web platform and they are reflected in the employee's mobile application. With these work benefit plans you promote the physical, mental, and financial health of workers. You attract and retain the best on the market. Minu is the leading employee benefit platform in Mexico, pioneers in the on-demand salary benefit.

​Perpay is a financial technology company that offers consumers a unique buy now, pay later platform through which they can shop its marketplace offerings. It allows shoppers to pay for their purchases over time without accruing interest or incurring fees. Customers simply pay for their purchases in installments through their website directly. To use Perpay, consumers must create an online profile, after which the platform sets their estimated spending limit. Once a customer receives their spending limit, they can browse the online marketplace. When they’re ready to check out, they submit their cart for approval. After approval, the customer receives an email containing payment instructions. Upon receipt of the first payment, the platform ships the customer their purchased product(s). Essentially, this is a preapproved payment plan subject to neither interest nor additional fees. Perpay automatically deducts the amount customers owe from their paychecks.

DailyPay, powered by its industry-leading technology platform, is on a mission to build a new financial system. Partnering with America's best-in-class employers, including Dollar Tree, Berkshire Hathaway and Adecco, DailyPay is the recognized gold-standard in on-demand pay. Through its massive data network, proprietary funding model and connections into over 6,000 endpoints in the banking system, DailyPay works to ensure that money is always in the right place at the right time for employers, merchants and financial institutions. DailyPay is building technology and the mindset to reimagine the way money moves, from the moment work starts. DailyPay is headquartered in New York City, with operations based in Minneapolis.

Chime Workplace is an all-in-one financial wellness platform that helps employees manage money, reduce stress, and build long-term stability. Offered at no cost to employers or employees, it includes: -No-fee earned wage access -No-fee checking accounts and overdraft protection² -Automated savings with high-yield interest -Credit-building tools -For an add-on, employee rewards & loyalty program benefits With seamless payroll integration, real-time insights, and secure infrastructure, Chime Workplace supports employee well-being while improving retention, engagement, and productivity.