Earned Wage Access
Best Earned Wage Access Providers for Healthcare
Healthcare organizations run shift work across many roles and sites, often with overtime and differentials.
- products that fit
- 3
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Top 2 by LeadChange Scoreof 3 that fit · 1 not scored yet · scored for healthcare (reweighted)
See the full rankingHighMedium confidence
Earned wage access for healthcare, ranked
Ranked by LeadChange Score from verified facts; products with too few verified facts are not scored yet and come last. Prices are list prices as published by each vendor.
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Payactiv
Payactiv offers earned wage access to employers at no cost and always leaves employees a no-fee option: ACH transfers and real-time loads to its Visa card with a qualifying direct deposit are free, while other instant options cost $2.49 or $3.49.
ZayZoon
ZayZoon is earned wage access built for small and mid-sized employers and franchises: free for the employer, with a flat $5 per payout for U.S. employees and at least one $0 option in every state.
Branch
Branch is a workforce payments platform whose earned wage access costs the business nothing and comes in two models, Core and Flex, with up to 50% of earned wages before payday.
LeadChange Score: editorial assessment based on public information.
What matters for healthcare
Overtime and shift differentials
Balances must follow how these are paid.
Multi-site payroll integration
Systems vary across facilities.
Float and per-diem staff
Irregular hours need clear balance rules.
Employee education
Staff need to understand repayment from the next paycheck.
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- Benefits AdministrationBenefits administration for healthcare
- COBRA AdministrationCOBRA administration for healthcare
- Corporate LMSCorporate LMS for healthcare
- Employee Discount ProgramsEmployee discount programs for healthcare
- Employee Engagement SoftwareEmployee engagement software for healthcare
- Employee Recognition SoftwareEmployee recognition software for healthcare
- Employee Scheduling SoftwareEmployee scheduling software for healthcare
Find your fit
By industry
More on earned wage access providers
- All earned wage access providers, ranked
The full ranking, top picks and how to choose.
- Earned Wage Access comparison table
Every product side by side: score, price and verified features.
- 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 hospitality
The ranking reweighted for hospitality.
- Earned wage access providers for manufacturing
The ranking reweighted for manufacturing.
Frequently asked questions
What are the best earned wage access providers for healthcare?
On the LeadChange Score weighted for healthcare, the highest-scoring of the 2 products with a published score are Payactiv (8.5/10) and ZayZoon (7.8).
Which earned wage access providers for healthcare have SOC 2 Type II?
Branch, Payactiv, and ZayZoon state SOC 2 Type II compliance; Branch and Payactiv also hold ISO 27001. That is 3 of the 3 products for healthcare.
Which earned wage access providers for healthcare integrate with ADP?
ADP, listed by 3 of the 3 earned wage access providers for healthcare: Branch, Payactiv, and ZayZoon.
Which earned wage access providers for healthcare have a mobile app?
All 3 earned wage access providers for healthcare document a mobile app: Branch, Payactiv, and ZayZoon.
How we research
This ranking of earned wage access for healthcare reweights the LeadChange Score: capability coverage 35%, pricing transparency & value 15%, integrations & API 10%, security & compliance 15%, fit & support 15%, and data confidence 10%. Only products with a verified fact showing they serve this segment are listed.
How this page was made
What it is built from
17 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 7 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
- 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”
- 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.”
- 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”