DailyPay vs Rain

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 flat $3.49 instant fee, 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.

By LeadChange Research TeamUpdated Oct 22, 2026

DailyPay

Starting price: $0/employee/mo
Best for: Employers on Workday, ADP or UKG that want earned wage access without changing payroll

Choose DailyPay if

You want a published instant fee: $3.49 flat.
Your employees need access to more than half of what they have earned.
You want the widest list of connectors: over 180 systems.
You also want instant bonuses, off-cycle payments and digital tips.

DailyPay pricing Alternatives to DailyPay

Rain

Starting price: $0/employee/mo
Best for: Employers on Workday, ADP, UKG or Paylocity that want payroll to keep the deduction

Choose Rain if

You want to share as little employee data as possible: six fields, no SSN.
You want to set the access percentage and the number of transactions yourself.
You want payroll to import the deductions and keep control of the paycheck.
You want free bank transfers and a budgeting, tax filing and overdraft protection toolkit.

What Rain costs Rain alternatives

LeadChange Score: editorial assessment based on public information.

Scorecard

DailyPay wins 1Rain wins 12 ties

DailyPay vs Rain by dimension
Dimension	DailyPay	Rain
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 Spanish	6 of 11 core capabilities	10 of 11 core capabilities
IntegrationsDailyPay connects to over 180 HCM, payroll and time systems. Rain lists 100+ pre-built connectors, including Workday, ADP, UKG Pro and Paylocity. 180	180 native	100 native
SecurityDailyPay states SOC 2 Type II and ISO 27001. Rain states SOC 1 Type 2, SOC 2 Type 2 and ISO/IEC 27001. Yes	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 center	Small businesses, enterprises	Small businesses, enterprises

Key differences

Where DailyPay and Rain differ (3)
Attribute	DailyPay	Rain
Price transparency	Published	Partly published
Native integrations	180	100
Support channels	Email, phone, live chat, help center	Email, phone, chat

Show 7 attributes where they are the same

Where they are the same (7)
Attribute	DailyPay	Rain
Pricing model	Free	Free
Best for	Small businesses, enterprises	Small businesses, enterprises
Deployment	Cloud	Cloud
Mobile apps	iOS, Android	iOS, Android
SOC 2 Type II
ISO 27001
Ownership	Private	Private

Analysis by dimension

Pricing. DailyPay publishes its employee fees: $3.49 per instant transfer 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.

Neither one?

Payactiv

Payactiv has the highest LeadChange Score in Earned Wage Access after excluding these two (8.7/10).

From $0/employee/mo

More DailyPay comparisons

Frequently asked questions

Is DailyPay or Rain cheaper for employees?

Both have a free option: DailyPay’s 1-3 business day transfers and Rain’s bank transfers cost nothing. For speed, DailyPay charges a flat $3.49; Rain charges a small fee for card transfers but does not publish the amount.

How much can employees withdraw with DailyPay compared with Rain?

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.

Which needs less employee data, DailyPay or Rain?

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.

Do DailyPay and Rain both work with Workday?

Yes. DailyPay runs as a native feature inside Workday, and Rain is built natively on Workday.

What security certifications do DailyPay and Rain hold?

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.

What competitors should I compare with DailyPay and Rain?

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.

Which has more integrations, DailyPay or Rain?

DailyPay lists 180 integrations and Rain lists 100. Both connect to ADP and Workday.

DailyPay or Rain? Your answer in 3 questions

Your team size, what matters most and your role: see which one fits more of your answers, from verified facts and list prices. Then, if you like, ask to hear from both.

LeadChange may earn a fee when you request pricing through our site or follow a sponsored link. Rankings never depend on whether a vendor pays us.We may earn a fee.

Get my answer

We may earn a fee.