DailyPay9.3/10
Rain6.3/10
Scored in Earned Wage Access
The short answer
Both connect to payroll and recover transfers on payday. DailyPay lets employees transfer up to 100% of the available balance for a contract-set instant fee listed at $3.49, with free 1-3 business day transfers; Rain usually caps access at 50% of current-period earnings, with free bank transfers and a small card fee.
LeadChange Score: editorial assessment based on public information.
DailyPay wins 1Rain wins 12 ties
| Dimension | DailyPay | Rain |
|---|---|---|
| PricingDailyPay publishes its employee fees: $3.49 listed per instant transfer, set by each employer’s contract, and nothing for 1-3 business days. Rain makes bank transfers free and charges a small fee for card transfers without publishing the amount. Employees pay a flat fee per instant transfer, listed as $3.49; the fee is set in the employer’s contract and can differ, Standard transfers in 1-3 business days have no fee, DailyPay Visa Prepaid Card fees: out-of-network ATM withdrawal $2.50, Green Dot cash reload $5.95, foreign transaction 3%, outgoing instant transfer from the card $3.99, express card shipping $25.002 | $0/employee/mo | Partly published |
| CapabilitiesRain documents 10 of the 11 items on our earned wage access checklist, including fee disclosure and employer-set limits. DailyPay documents 6. Up to 50% of current-period earnings, set by the employer, Free transfers to a bank account, Only six data fields, with no SSN, Balance Protection tops up a bank balance below $100, 24/7 U.S.-based support in English and Spanish3 | 6 of 11 core capabilities | 10 of 11 core capabilities |
| SecurityDailyPay states SOC 2 Type II and ISO 27001. Rain states SOC 1 Type 2, SOC 2 Type 2 and ISO/IEC 27001. Yes4 | SOC 2, ISO 27001 | SOC 2, ISO 27001 |
| Fit and supportDailyPay supports employees by email, phone and live chat. Rain offers email, phone and chat around the clock. Email, phone, live chat, help center5 | Small businesses, enterprises | Small businesses, enterprises |
Pricing. DailyPay publishes its employee fees: $3.49 listed per instant transfer, set by each employer’s contract, and nothing for 1-3 business days. Rain makes bank transfers free and charges a small fee for card transfers without publishing the amount.
Capabilities. Rain documents 10 of the 11 items on our earned wage access checklist, including fee disclosure and employer-set limits. DailyPay documents 6.
Integrations. DailyPay connects to over 180 HCM, payroll and time systems. Rain lists 100+ pre-built connectors, including Workday, ADP, UKG Pro and Paylocity.
Security. DailyPay states SOC 2 Type II and ISO 27001. Rain states SOC 1 Type 2, SOC 2 Type 2 and ISO/IEC 27001.
Fit and support. DailyPay supports employees by email, phone and live chat. Rain offers email, phone and chat around the clock.
Payactiv has the highest LeadChange Score in Earned Wage Access after excluding these two (8.7/10).
From $0/employee/mo13
Both have a free option: DailyPay’s 1-3 business day transfers and Rain’s bank transfers cost nothing. For speed, DailyPay lists a flat $3.49 that each employer’s contract can change; Rain charges a small fee for card transfers but does not publish the amount.
DailyPay allows up to 100% of the balance shown as available, up to $1,000 a day. Rain usually allows 50% of current-period earnings, a percentage the employer sets.
Rain needs only six data fields and no Social Security number. DailyPay does not publish a field count; it encrypts sensitive data in transit and at rest and states SOC 2 Type II.
Yes. DailyPay runs as a native feature inside Workday, and Rain is built natively on Workday.
DailyPay states PCI DSS, SOC 2 Type II and ISO 27001; Rain states SOC 1 Type 2, SOC 2 Type 2 and ISO/IEC 27001.
Payactiv, Tapcheck, ZayZoon, Branch and Instant Financial are the other earned wage access providers we review. Between these two, DailyPay offers higher access and a published fee; Rain offers employer-set limits and minimal data.
DailyPay lists 180 integrations; Rain lists 100+ integrations. Both connect to ADP, Workday, and Paylocity.
28 verified facts, each checked against the vendor's own pages or another primary source, most recently on Nov 7, 2026.
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Not reviewed yet by our independent reviewer. How we review
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What the LeadChange Score means
A 0–10 editorial assessment built only from verified facts, across six weighted dimensions: capabilities, pricing, integrations, security, fit and support, and data confidence.
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