DailyPay Review
DailyPay is an earned wage access provider that is free for employers; employees pay a flat fee only for instant transfers. It connects to over 180 payroll and time systems, runs natively in Workday and states SOC 2 Type II and ISO 27001.
Best for
- Employers on Workday, ADP or UKG that want earned wage access without changing payroll
- Hourly workforces that need a no-fee transfer option alongside instant access
- Employers that also want off-cycle pay, instant bonuses and digital tips from one provider
Not ideal for
- Employers that want employees to pay no fee at all for instant transfers
- Employers that would rather not offer financial coaching from a third party that may pay DailyPay
How we evaluated DailyPay
This review rests on the 18 facts this page shows, each checked against the source listed under “Sources”, most recently on . We did not test the product hands-on: the score uses only those verified facts, as our methodology explains; third-party ratings, where we quote them, never count in the score.
Our verdict
DailyPay is an employer-integrated earned wage access provider that costs the employer nothing: employees choose a no-fee transfer in 1-3 business days or pay a flat fee for an instant one. It connects to over 180 payroll, HCM and time systems, is built into Workday as a native feature, and states SOC 2 Type II and ISO 27001.
Strengths
No cost to the employer
Employers pay nothing to offer the benefit, and standard transfers in 1-3 business days have no fee for employees.
Evidence: Pricing model: Free1
Wide payroll coverage
Connects to over 180 HCM, payroll and time systems, including ADP, Workday and UKG, and runs as a native feature inside Workday.
Evidence: Native integrations: 1803
Stated security standards
States PCI DSS, SOC 2 Type II and ISO 27001.
Evidence: SOC 2 Type II: Yes4
More than wage access
Adds off-cycle payments, instant bonuses, digital tips, financial coaching and credit monitoring.
Evidence
Modules: On-Demand Pay, Cycle (off-cycle payments), Reward (instant bonuses), Tips (same-day tip payouts), DailyPay Visa Prepaid Card, Financial wellness tools3
Weaknesses
Instant transfers cost a fee
Instant transfers carry a flat fee for the employee, set in the employer’s contract, unless they go to a DailyPay Card with direct deposit.
Evidence
Extra costs: 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 $25.005
Third-party coaching
Financial coaching is delivered by a third party from which DailyPay may receive compensation.
Evidence: Financial wellness tools: Yes4
Price at a glance
DailyPay cost at 10 to 100 employees
- Published starting price$0/employee/mo
| Employees | Published starting price |
|---|---|
| 10 | $0/mo |
| 25 | $0/mo |
| 50 | $0/mo |
| 100 | $0/mo |
The published starting price only: plan tiers, add-ons and other products are quoted on top.
Quick answers
- How much does DailyPay cost an employer?
- DailyPay is free for employers: it states that there is zero cost to implement or maintain it, and payroll runs as before.Based on Pricing model: Free1
- What fees do employees pay with DailyPay?
- Transfers that arrive in 1-3 business days have no fee, and instant transfers to a DailyPay Card set up with direct deposit are fee-free. Other instant transfers carry a flat fee, not a percentage, that DailyPay’s fee table lists at $3.49; each employer’s contract sets it, so it can differ.Based on Extra costs: 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 $25.005
- Are there hidden fees with DailyPay?
- DailyPay publishes its fee table: no fee to open an account or for 1-3 business day transfers, and a flat instant fee that varies by employer. The DailyPay Visa Prepaid Card has its own fees, among them $2.50 for an out-of-network ATM withdrawal and 3% on foreign transactions.Based on Extra costs: 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 $25.005
- How do DailyPay’s fees compare with other earned wage access providers?
- Employers pay nothing, so the employee fee is what differs. DailyPay has no fee in 1-3 business days and a flat instant fee, listed at $3.49 and set by each employer’s contract. Our DailyPay comparisons with Payactiv, ZayZoon, Tapcheck and Rain set each peer’s published fees beside it.Based on Extra costs: 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 $25.005
Coverage of core earned wage access capabilities
Each core capability we evaluate in Earned Wage Access, checked against DailyPay’s own documentation. “Not verified yet” means we have not confirmed it either way, not that it is missing.
6 verified of 11 core capabilities
Earned Wage Access
- Accrued wage calculation6
- Payroll and time integration1
- Transfer options7
- Fee disclosure · not verified yet
- Payroll repayment7
- No-recourse treatment · not verified yet
- Deduction recordkeeping · not verified yet
- Access limits and controls · not verified yet
- Employee mobile app8
- Financial wellness tools4
- Data use and privacy · not verified yet
Specifications
DailyPay integrations
4 integrations we document, by how they connect. DailyPay says it has 180 integrations.
DailyPay integration coverage
The 10 apps that earned wage access products document most often, and whether DailyPay documents each.
3 of the 10 most-connected apps documented by DailyPay; median of the 6 products compared: 3.5
- ADP · documented by 6 of 6
- Paylocity · documented by 4 of 6
- Paychex · documented by 3 of 6
- Paycor · documented by 3 of 6
- Workday · documented by 3 of 6
- 7shifts · documented by 2 of 6
- BambooHR · documented by 2 of 6
- Greenshades · documented by 2 of 6
- isolved · documented by 2 of 6
- Paycom · documented by 2 of 6
Integrations each vendor documents (native, marketplace, Zapier, API or named by the vendor), 6 live earned wage access products. Not documented does not mean not possible.
Where it ranks
- #1 of 5 scoredEarned Wage Access
- #1 of 5 scoredEarned Wage Access for Enterprises
- #1 of 4 scoredEarned Wage Access for Small Business
DailyPay alternatives
Compare DailyPay
Security and compliance
Implementation and support
About DailyPay
Official profiles
DailyPay: frequently asked questions
Which payroll systems does DailyPay integrate with?
Over 180 HCM, payroll and time systems, including ADP, Workday and UKG.
How does DailyPay take the money back from my paycheck?
DailyPay recovers what was transferred at the end of the pay period through the employer’s normal payroll, so that amount comes out of the paycheck for the period.
What is the downside of DailyPay for employees?
Instant transfers each carry a flat fee, so an employee who transfers often pays it every time, while 1-3 business day transfers are free. Whatever is transferred early is deducted from that period’s paycheck, which leaves less on payday.
What is DailyPay used for?
DailyPay, on the market since 2015, is an earned wage access product built for small businesses and enterprises. Its modules include On-Demand Pay, Cycle, Reward, Tips, DailyPay Visa Prepaid Card, and Financial wellness tools.
Is DailyPay legit?
DailyPay is sold by the company of the same name, which was founded in 2015, is headquartered in New York, New York, and is privately held. DailyPay states SOC 2 Type II compliance.
What are the best alternatives to DailyPay?
In our earned wage access ranking, the highest-scored products other than DailyPay are Payactiv, Tapcheck, and ZayZoon. Compared side by side, by reason to switch: DailyPay alternatives.
Which is better, DailyPay or Instant Financial?
It depends on the team. Choose DailyPay if: you want a published instant fee: DailyPay’s fee table lists $3.49, though each employer’s contract sets the amount. Choose Instant Financial if: you pay tips and want them paid out after each shift. The full comparison: DailyPay vs Instant Financial.
Does DailyPay have an API?
Yes. DailyPay offers an API.
Is DailyPay secure?
DailyPay states a SOC 2 Type II report and ISO 27001 certification.
Does DailyPay have a mobile app?
Yes. DailyPay lists mobile apps: iOS, Android.
How this page was made
What it is built from
18 verified facts, each checked against the vendor's own pages or another primary source, most recently on Nov 7, 2026.
Method
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Independent review
Our independent review of Nov 7, 2026 asked for changes. How we review
Hands-on testing
We have not tested DailyPay 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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DailyPayLeadChange Score 9.3
Sources
The 11 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/about-us“Introduced a self-serve On-Demand Pay solution designed specifically with small businesses in mind.” “2015 DailyPay was founded.”
- DailyPay dailypay.com/earned-wage-access-platform“DailyPay seamlessly integrates with over 180 leading HCM, payroll, and time management systems, including partners like ADP, Workday, and more.” “DailyPay connects to your existing payroll system and launches to your employees right away.”
- 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 supports 180+ payroll and timekeeping integrations, including ADP, Workday, and UKG.”
- DailyPay get.dailypay.com/our-fees“Access available earnings instantly ** $3.49# (flat fee)” “Clear and transparent pricing”
- DailyPay get.dailypay.com
- DailyPay dailypay.com/on-demand-pay-small-business
- DailyPay dailypay.com/security
- 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.”
- DailyPay dailypay.com/marketplace“To build a specific user experience for your on-demand pay app or platform, you can build directly into DailyPay’s APIs, adding on-demand capabilities to the services you already provide.”
- DailyPay get.dailypay.com/frequently-asked-questions
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