Instant Financial plans
Employer program
$0/employee/mo2
No cost to the employer
- Instant Pay earned wage access
- Instant Tips digital tip payouts
- Instant Card virtual and physical pay card
Price at a glance
Instant Financial cost by company size
- Published starting price$0/employee/mo
| Employees | Published starting price |
|---|---|
| 1 | $0/mo$0 over 3 yrs |
| 5 | $0/mo$0 over 3 yrs |
| 10 | $0/mo$0 over 3 yrs |
| 25 | $0/mo$0 over 3 yrs |
| 50 | $0/mo$0 over 3 yrs |
| 100 | $0/mo$0 over 3 yrs |
The published starting price only: plan tiers, add-ons and other products are quoted on top.
Extra and hidden costs
Is it worth the price?
50th percentileInstant Financial at $0/mo1 — the category median (list price per month at 25 employees, 6 earned wage access products with published prices).
At 25 employees, Instant Financial lists at $0 a month. Of the 6 earned wage access products with published prices, 0 cost less, 5 cost the same and 0 cost more.
Price comparison
| Product | Starting price | Pricing model | Pricing details |
|---|---|---|---|
 Instant Financial | $0/employee/mo1 | Free | Instant Financial pricing |
 Branch | $0/employee/mo3 | Free | Branch plans and prices |
 DailyPay | $0/employee/mo4 | Free | What DailyPay costs |
 Payactiv | $0/employee/mo5 | Free | Payactiv pricing |
 Tapcheck | $0/employee/mo6 | Free | Tapcheck pricing |
 Rain | See plans | Free | What Rain costs |
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.
Instant Financial price comparisons
Frequently asked questions
How much does Instant Financial cost an employer?
Instant Financial is free for employers: there is no cost to integrate it, and standard withdrawals are free for employees.
What does Instant Financial charge beyond the subscription?
Instant Financial lists 2 extra costs: Instant transfers carry a small fee for the employee; the amount is not published and Standard withdrawals are free every time.
Who makes Instant Financial?
Instant Financial (an earned wage access provider) is privately held.
How this page was made
What it is built from
10 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 1.5. Read the methodology
Independent review
Not reviewed yet by our independent reviewer. How we review
Hands-on testing
We have not tested Instant Financial 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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Instant Financial Pricing
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
- Instant Financial instant.co/employers“No. There is no cost to the employer to integrate Instant.” “For employees, standard withdrawals are free every time. They do have the option to access their funds via instant transfer for a small fee.”
- Instant Financial instant.co/pay“Instant is free and it is super easy to implement with minimal disruption to your current payroll process.”
- Branch branchapp.com/use-cases/earned-wage-access“Offering EWA comes at no cost to your business.”
- DailyPay dailypay.com/earned-wage-access“There is zero cost for employers to implement or maintain DailyPay.”
- Payactiv payactiv.com“Payactiv Earned Wage Access is offered to employers at no cost.”
- Tapcheck tapcheck.com“Tapcheck is 100% free for employers to offer and employees pay only a single, ATM-like fee for transfers.”
- Instant Financial instant.co/about“With over 100 years of combined experience in the payments, paycard and financial technology industry, our leadership team, led by CEO Tal Clark brings deep expertise, strategic insight, and a shared commitment to innovation.”