Best Earned Wage Access Platforms

DailyPay, powered by its industry-leading technology platform, is on a mission to build a new financial system. Partnering with America's best-in-class employers, including Dollar Tree, Berkshire Hathaway and Adecco, DailyPay is the recognized gold-standard in on-demand pay. Through its massive data network, proprietary funding model and connections into over 6,000 endpoints in the banking system, DailyPay works to ensure that money is always in the right place at the right time for employers, merchants and financial institutions. DailyPay is building technology and the mindset to reimagine the way money moves, from the moment work starts. DailyPay is headquartered in New York City, with operations based in Minneapolis.

Argyle is the leading provider of direct-source access to real-time income and employment data. With Argyle, companies automate critical workflows—including income and employment verifications, deposit switches, wage advances, and loan repayments—so they can build better, more efficient processes, reduce risk, and scale their business. Argyle largely serves the mortgage, background checks, personal lending, and banking industries as well as the gig economy.

Sprout is the biggest B2B HRTech SaaS company in the Philippines, providing a full ecosystem of products and services tailored to address the biggest challenges and opportunities of their organization. From Recruitment, to the most compliant Payroll, to Time and Attendance, Financial and Health benefits, HR analytics, and much more, Sprout helps thousands of businesses take their organizations to the next level.

Deliver one of the most comprehensive pay card programs that eliminates paper checks, reduces costs, and improves efficiency. Customer service for both partners and cardholders is our biggest differentiator, as identified by our customers. Compliance assistance through our exclusive tools, including the compliance map. PayCard program includes no fees for card inventory, no training fees, and no pay card implementation fees. Automated card inventory for multiple location inventory control. Sophisticated security without any need for expensive security tokens. Fraud protection is built on intelligent “neural network” security that learns a cardholder's behavior rather than rudimentary state geographic transaction systems. APIs allow for seamless integration with any payroll software or providers (if the provider supports API integration). Near real-time clearing pay at the pump with no pre-authorization hold.

Pinwheel is the leading payroll connectivity API company used by the biggest financial institutions to securely update direct deposits and access income and employment data. Pinwheel’s platform offers a suite of products to empower innovators of all sizes to leverage payroll account connectivity. Switching direct deposits is usually a painful process involving paper forms and HR teams. Make it easy with Pinwheel’s digital drop in solution. View a real-time feed of your customers' direct deposit allocations and get notified when they change. Use this knowledge to better understand your customers and to craft engaging experiences for them. Access source data from payroll systems to streamline and automate income and employment verification, improve your underwriting models, and more. Reduce loss rates and increase your serviceable market by enabling your customers to pay their loans directly from their paycheck.