Earned Wage Access
Earned Wage Access Providers Comparison
Every earned wage access product we track, side by side: LeadChange Score, published pricing and verified features, each value checked against the vendor’s own documentation.
- products compared
- 7
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Earned Wage Access comparison table
| Product | Score | Starting price per employee | Pricing model | SOC 2 Type II | Mobile apps | ISO 27001 |
|---|---|---|---|---|---|---|
 DailyPay1–3 | 9.3 | $0/employee/mo | Free | Yes | iOS, Android | Yes |
 Payactiv4–6 | 8.7 | $0/employee/mo | Free | Yes | iOS, Android | Yes |
 Tapcheck7 | 8.0 | $0/employee/mo | Free | Not disclosed | iOS, Android | Not disclosed |
 ZayZoon8–11 | 7.3 | $0/employee/mo | Free | Yes | iOS, Android | Not disclosed |
 Rain12–14 | 7.0 | $0/employee/mo | Free | Yes | iOS, Android | Yes |
 Branch15–17 | Not scored | $0/employee/mo | Free | Yes | iOS, Android | Yes |
 Instant Financial18,19 | Not scored | $0/employee/mo | Free | Not disclosed | iOS, Android | Not disclosed |
Not disclosed = the vendor doesn’t publish it.
Price comparison
| Product | Starting price | Pricing model | Pricing details |
|---|---|---|---|
| DailyPay | $0/employee/mo1 | Free | DailyPay pricing |
| Payactiv | $0/employee/mo4 | Free | Payactiv plans and prices |
| Tapcheck | $0/employee/mo7 | Free | Tapcheck pricing |
| ZayZoon | $0/employee/mo8 | Free | ZayZoon pricing |
| Rain | $0/employee/mo12 | Free | Rain pricing |
| Branch | $0/employee/mo15 | Free | Branch pricing |
| Instant Financial | $0/employee/mo18 | Free | Instant Financial pricing |
Lowest published monthly price of a plan for earned wage access, cheapest first at 25 employees. “See plans”: priced on another basis; “Quote only”: no published price.
Most compared
More on earned wage access providers
- All earned wage access providers, ranked
The full ranking, top picks and how to choose.
- Earned Wage Access pricing guide
Published list prices, cost by headcount and fees to ask about.
- Earned wage access providers for enterprises
The ranking reweighted for enterprises.
- Earned wage access providers for small business
The ranking reweighted for small business.
- Earned wage access providers for healthcare
The ranking reweighted for healthcare.
- Earned wage access providers for hospitality
The ranking reweighted for hospitality.
Frequently asked questions
Which earned wage access providers has the highest LeadChange Score?
Of the 7 earned wage access providers products in this comparison, the highest LeadChange Scores belong to DailyPay (9.3/10), Payactiv (8.7), and Tapcheck (8.0).
Do earned wage access providers publish their prices?
Of the 7 products compared, 7 publish a list price we can compare.
Which earned wage access providers in this comparison have SOC 2 Type II?
DailyPay, Payactiv, ZayZoon, Rain, and Branch state SOC 2 Type II compliance; DailyPay, Payactiv, Rain, and Branch also hold ISO 27001. That is 5 of the 7 products in this comparison.
Which earned wage access providers in this comparison have a mobile app?
All 7 earned wage access providers in this comparison document a mobile app: DailyPay, Payactiv, Tapcheck, ZayZoon, Rain, Branch, and Instant Financial.
How we research
Ranked by the LeadChange Score, computed only from verified facts: capability coverage (30%), pricing and value (20%), integrations and API (15%), security (15%), fit and support (10%) and data confidence (10%), times a category fit. Products with too few verified facts are not scored yet and come last. Payment never changes a score or a position.
Facts, not impressions · Missing data is never assumed · Independent of revenue
Facts, not impressions
Every input is a fact verified against vendors’ official documentation, with the date we last checked it.
Missing data is never assumed
Unverified items are left out of the score and lower its coverage; below 60% coverage a product is not scored yet.
Independent of revenue
Rankings never depend on whether a vendor pays us.
How this page was made
What it is built from
30 verified facts, each checked against the vendor's own pages or another primary source, most recently on Oct 22, 2026.
Method
Scored and compared with the LeadChange methodology, version 1.3. Read the methodology
Independent review
Not reviewed yet by our independent reviewer. How we review
Hands-on testing
We have not tested these products hands-on: this page uses public information only.
Who made it
The LeadChange Research Team, following a written research process. No named expert has reviewed this page. About us
Independence and errors
Who pays us never changes a score or a rank. If something here is wrong, tell us and we correct it publicly. Request a correction
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Sources
The 19 pages this page's facts come from, with the day we last checked each one. The numbers beside the figures above link here.
Quotes from the sources
- DailyPay dailypay.com/earned-wage-access“There is zero cost for employers to implement or maintain DailyPay.”
- DailyPay dailypay.com/on-demand-pay“DailyPay follows industry-leading data security standards, such as PCI DSS, SOC 2 Type II, and ISO 27001 to maintain a secure environment for your financial data.”
- DailyPay apps.apple.com/us/app/dailypay-on-demand-pay/id1399085077“DailyPay gives you access to your earned pay, plus tools to save money and monitor your credit, all in one place.”
- Payactiv payactiv.com“Payactiv Earned Wage Access is offered to employers at no cost.”
- Payactiv payactiv.com/trust-center“Payactiv is ISO 27001 certified and SOC 2 Type II attested, and operates under PCI DSS and CCPA-aligned practices”
- Payactiv payactiv.com/employees“Get Payactiv from the App Store or Google Play”
- Tapcheck tapcheck.com“Tapcheck is 100% free for employers to offer and employees pay only a single, ATM-like fee for transfers.” “Download the mobile app for on-demand pay. Now on iOS and Android.”
- ZayZoon zayzoon.com/employers“ZayZoon doesn’t cost you a cent.”
- ZayZoon zayzoon.com/earned-wage-access“It’s free for employers, works with your existing payroll, and can be activated in as little as 10 minutes.”
- ZayZoon zayzoon.com/security“ZayZoon has a SOC 2 Type II report.”
- ZayZoon zayzoon.com/employees“Plus, the app is available for desktop and mobile on all iOS and Android devices.”
- Rain rainapp.com/impact“YMCA of Southern Nevada adds Rain’s earned wage access with zero cost and no extra work.”
- Rain rainapp.com“Certified to SOC 1 Type 2, SOC 2 Type 2 and ISO/IEC 27001 standards.”
- Rain rainapp.com/help-desk“After your employer announces your new benefit, head over to the Apple App Store or Google Play Store and download Rain Instant Pay.”
- Branch branchapp.com/use-cases/earned-wage-access“Offering EWA comes at no cost to your business.”
- Branch security.branchapp.com“SOC 2 Type 2 ISO/IEC 27001:2022 Branch is reviewed and trusted by”
- Branch branchapp.com/wl-partners/company“We manage all app store submissions, updates, and maintenance across iOS and Android, freeing your development team to focus elsewhere.”
- Instant Financial instant.co/employers“No. There is no cost to the employer to integrate Instant.”
- Instant Financial apps.apple.com/us/app/instant-financial/id1061399931“Access earned wages before payday and receive tips within 24 hours of your shift.”