EarnIn for Employers gives employees access to a portion of their pay when they need it, through an on-demand pay service with Android and iOS apps. EarnIn says it funds all of the cash employees access, with no cost or risk to the employer, and that rollout does not change payroll processes or business operations. No integration with HCM, payroll, timekeeping, or benefits systems is required. Employees may access up to $100 per day and up to $750 per pay period, subject to earnings and stated restrictions; Cash Out has no interest, credit check, or mandatory fees. Other listed features include Experian-powered credit monitoring with weekly score updates and alerts, Balance Shield low-balance alerts and automatic transfers, and Tip Yourself savings. Employers can schedule a demo to discuss their organization's needs. EarnIn says the service may not be available in all states. Lightning Speed may be unavailable at times, and transfers may take up to 30 minutes. The employer page says it never sells personal or employment information.
Who it is for
It is presented for organizations seeking to support recruitment, retention, and employee satisfaction with on-demand pay. Employers that want to discuss organizational needs can schedule a demo.
What is good
- No cost or risk to the business, according to EarnIn.
- No HCM, payroll, timekeeping, or benefits integration required.
- Employees can access pay without interest or mandatory fees.
- Includes credit monitoring, Balance Shield, and Tip Yourself.
What to know first
- Services may not be available in all states.
- Lightning Speed may be unavailable at times.
- Transfers may take up to 30 minutes.
- Access depends on earnings and transfer limits.
Verdict
EarnIn for Employers pairs on-demand pay with several employee financial tools and does not require payroll-system integration. Availability and transfer timing limits are worth considering before rollout.
EarnIn for Employers plans and pricing
All plansCompared on earned wage access software
- Free plan
- Yes
- Employee mobile app
- Yes
- Instant wage transfer
- Yes
- Payroll integration
- No
- Timesheet integration
- No
- Earnings data source
- realtime
- Transfer methods
- bank
