Best Earned Wage Access Platforms in Japan

Branch

Get no-cost instant access to your earned wages at the tap of an app. Download Branch today to take control of your hard-earned cash. Branch is the industry's leading operations platform for hourly employees. Designed to improve workforce productivity and efficiency, Branch features a web dashboard and self-service mobile app that enables business users to create, distribute, and manage schedules. With Branch, employees can also easily view their schedules, set their availability, request time off, swap shifts, and so much more. Branch is used by top enterprises today, including Pizza Hut, McDonalds, Starbucks, Taco Bell, and more. Tired of financial services taking advantage of hard-working people like you? Us too. We’re helping fellow Americans grow financially — and finally get ahead. Stop paying and waiting 3-5 business days for access to your earned wages. Request a portion of your paycheck instantly and use it for unplanned expenses.

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Tapcheck

Offer earned wage access for employees at no cost to employers, Tapcheck provides measurable benefits that enhance enterprise-level performance. Provide employees with the financial flexibility to improve their quality of life and increase retention. Plus, give your business a competitive recruiting advantage over your competitors. Keep your employees happy and reduce absent days and distractions by alleviating the stress and worry that comes with financial problems. Empower your workforce to be focused and able to give their full attention to the work at hand. Improving employee financial wellness lessens the need for costly recruiters and reduces expenses associated with training new workers. On-demand pay lets you minimize personnel expenses without burdening your payroll department or paying for an expensive benefit. With this incredible resource, Tapcheck is making it easier than ever for you to invest in your company’s most valuable asset, your employees.

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ZayZoon

Wages on-demand and financial education for employees. A voluntary benefit that is free for you to offer. Set up takes minutes and is no work for you and your team. ZayZoon allows employees to instantly access their earned wages on-demand. It's a voluntary benefit that reduces financial stress related to cash flow shortfall between pay checks. Improve retention, increase productivity and benefit from a more engaged workforce. Data is exchanged with payroll/HRIS to allow employees to securely create an account and access earned pay. How can we activate ZayZoon so quickly? We've already completed the integration with dozens of platforms, making ZayZoon the easiest and fastest EWA solution for employers. ZayZoon funds all early wage requests. There is no risk or liability to the employer. Funds are recovered automatically on the next pay run. ZayZoon does all employee support. There is no additional overhead for the employer to manage the program.

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Rain

It's easy to set up and it doesn't cost your business anything extra. Don't live in the past, use Rain - the now way to pay! Fees for payday loans, credit cards, overdrafts, and low balances add up. 72% of Americans who are living paycheck-to-paycheck could benefit from early wage access. We offer our service free to employers who offer Rain to their people as a voluntary financial wellness benefit. Rain easily integrates with most payroll systems; your payroll team will not need to spend extra time or resources managing Rain. Zero fees & zero hassle for your payroll team. Through the Rain smartphone app, your people can access up to half of their earned-wage on-demand anytime. Each time an employee withdraws her/his earned-wage through the Rain app, we charge a small fee similar to an ATM fee. Ask us about our new zero-fee option.

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Payactiv

Help your employees fully engage in both work and life with our all-in-one financial wellness platform that takes a holistic approach in improving financial lives and increasing employee satisfaction. Employees can immediately access money for hours already worked, transfer to their bank, load it on a Payactiv card, or pick up cash at Walmart. They can even use their earned wages to call an Uber and get daily necessities from Amazon. We supply the money so your employees are covered without disrupting your systems. It’s not a loan and there’s no interest, it’s just their money, when they need it. Employees can save money on prescription medications and other everyday items by finding deals in the app’s discount marketplace. Make it easy for employees to know at a glance how much they can put into savings, based on upcoming bills and spending patterns. Free access to financial learning articles and appointments with professional financial coaches.

Starting Price: $0

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Jify

Jify is one of the largest financial wellness platforms for the employed workforce in India. We are a pioneer in on-demand salary i.e allow employees to access their earned salary instantly and before the month-end pay-check. With Jify, you can avoid high-cost interest charges, or borrowing from friends/ family/employers or paying bank/credit overdraft fees. Jify is one of the largest financial wellness platforms for the employed workforce in India. We are a pioneer in on-demand salary i.e allow employees to access their earned salary instantly and before the month-end pay-check. With Jify, you can avoid high-cost interest charges, or borrowing from friends/ family/employers or paying bank/credit overdraft fees. You have been working on your money management, but perhaps you went a little bit over budget for the month. Electricity bill is due on Monday, but you won’t get paid till Friday. You're set to overdraft if money doesn't hit your account soon.

Starting Price: $0

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PayDay Portal

Gratuity Solutions

PayDay portal centralizes management, automates processes, and creates remote access to data. Automate all your pay data needs with direct data synchronization from POS to payroll. Eliminate the daily task of manual input and calculations and the liabilities related thereto. Our solution provides employers with the option to pay their employees at the end of their workday. These real-time payments go directly into the employee’s bank account, debit, or reloadable prepaid card. Eliminate the manual processes used to collect and move data between disparate systems to calculate earnings and process payroll. Increase operational efficiency, mitigate risk, and provide your workforce with fast, accurate, and secure access to their earnings. Employers can increase operational efficiencies and mitigate risk by eliminating the need for their managers and payroll practitioners to perform manual collection and consolidation of all employee earnings-related data.

Starting Price: Free

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Payflow

We are the most complete financial wellness app on the market. With Payflow, your employees get paid when they want and get access to flexible benefits from a single mobile app. Nurture happier teams by giving them control over their pay. A mobile app to get paid whenever they want, instantly and for free. Also, a card that allows them to save more through flexible benefits. An intuitive and comprehensive cloud-based control panel to manage Payflow and Flexflow which transforms the employee experience. We give your employees instant access to their earned wages at any time of the month; giving them the flexibility to get paid whenever and however they want. Saving money can be challenging, which is why we provide your team with a card that will help them save on expenses such as meals and public transportation, as well as enjoy additional benefits like childcare and education.

Starting Price: Free

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Instant Financial

Instant Financial offers businesses an earned wage access solution that provides your valuable employees real-time access to their earned wages immediately after they work, without having to wait until payday. By offering this benefit to employees, organizations not only help free employees from the challenges of living paycheck to paycheck, but also see increased retention and lower attrition rates, which helps impact your bottom line. When you put your employees in control of their financial well-being, you'll boost job applicants and cut turnover. See the immediate results you can expect when you offer Instant Pay. Learn how leaders in the service industry have used Instant Pay to directly boost their retention. Understand how our platform integrates with your existing payroll and human resource systems. We help employers increase their job applicants, improve employee retention and decrease absenteeism.

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Earnin

It’s as easy for you as it is for your employees. Our secure, one-of-a-kind approach is zero-integration. That means you can launch a program in days vs months. Earnin has increased motivation at work knowing employees can get paid before payday. Earnin has helped pay bills on time and reduce financial stress. Join top companies that trust Earnin to empower stronger financial futures for their employees. We provide everything you need to launch, promote, and measure the impact. Metrics on performance, dedicated partner success manager, and customized marketing materials. We’re on a mission to improve money for all. By breaking down the barriers of an outdated financial system, we’re building new solutions that actually work for everyone. See how we’re creating change through radical technology that puts people first. Members can use our products free of charge and tip what they want. Tipping is entirely voluntary, just an option for members who want to show their support.

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FinFit

We offer our holistic financial wellness program at a fraction of the cost of traditional benefits. The financial wellness benefit platform has transformed thousands of lives & helped our customers separate themselves from the competition. FinFit’s financial wellness program helps employers boost workplace productivity while attracting and retaining talent in this hyper-competitive job market. FinFit has grown to be one of the nation’s largest financial wellness benefits servicing over 185,000 clients. FinFit provides a self-directed online experience that lets employees measure their financial well-being and provides fun, educational resources and tools to increase their financial knowledge and drive results. FinFit helps to eliminate stress in the workplace by providing real-time solutions that offer real-world help when it is needed most. FinFit is a powerful way for employers to attract and retain talent by helping employees get focused, get healthy and become more productive.

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Argyle

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.

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fastP.A.Y.E

fastP.A.Y.E is the easy-to-implement earned wage access solution that gives employees access to part of their already earned wages before payday as well as other essential financial wellbeing tools. It is currently only offered in the UK and EU. Our model allows the employer to make every important decision on how much and how often staff can withdraw, improving financial wellbeing. It can be used to reward staff with early payment for overtime or other difficult to fill shifts. This use case is seeing employers increase their total hours worked by around 3% without having to recruit additional staff. It can also be used as a financial wellbeing tool, giving staff a fixed amount or a percentage of earned salary before payday. Other features include in work benefits assessment tool for staff, budget and savings tools and financial eduction. The Enterprise version can be integrated into work force management solutions, payroll and HR platforms.

Starting Price: £20 per month

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Hastee

Hastee Technologies HR Ltd

Hastee is a fintech company providing an on-demand earnings platform, enabling employees to access a portion of their earned wages before the traditional payday. It aims to improve financial wellness and flexibility for workers while helping employers enhance employee satisfaction and retention. Hastee also offers other features like AI Financial Assistant, Benefits Calculator, Discounts, Financial Checkup.

Starting Price: £0.50/employee

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Netspend

You work hard on your business. The Netspend® Small Business Prepaid Mastercard® will give you the tools you need to manage it. Mixing business and personal expenses can make it hard to get control of your finances. The Netspend Small Business Account helps you stay organized by keeping business expenses in one place. Make sure that filing your taxes is simple. By keeping your business transactions organized, and you can export your account information, so you’ll spend less time on paperwork and more time focusing on your business. As a small business, every sale matters. Make it convenient for your customers to pay you by accepting multiple types of payments–checks, credit and debit cards, or cash–added to your Card Account. If you have employees and they need to make business purchases on your behalf, give them limited spending ability with a subaccount that links right to your Card Account. Accurate bookkeeping is key to successfully running a business.

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Even

Even makes it easy for employees to get fast access to their paychecks when it matters most with Instapay, while also providing the tools necessary to create a more financially secure future. With Instapay, employees can access their earned wages when they’re short on cash. Instapay is available at no additional cost to Even members, and is significantly less expensive than overdrafts, credit cards, and payday loans. In fact, Even members have saved over $300M in fees and interest, helping them avoid the financial pitfalls of credit, overdrafts, and loans. Even removes stressful ambiguity around managing schedules, timesheets, and paychecks. Our app provides a fast way for employees to check their next shifts and glance at their current earnings. Through the Earn tab (used by 66% of Even members), employees can see how much they’ve earned so far, and what their next paycheck will amount to.

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FlexWage

Small amounts of earning or expense volatility can disrupt a thinly balanced budget, often leading to bank overdrafts or short-term loans with high fees. Financial stress has a negative impact on employee productivity, job satisfaction and retention. FlexWage provides instant access to earned wages building employee loyalty and increasing retention. You eliminate financial stress for your employees and develop a more productive, satisfied workforce. FlexWage saves your company money by driving the adoption of electronic pay to eliminate the expense of paper checks. Revolutionize your company’s financial wellness benefit program with our fully-compliant and accurate on-demand pay solutions and financial wellness tools. With FlexWage you get the first and only patented solution from the most experienced, automated and trusted company in the industry. Get early, on-demand access to your already earned wages.

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Immediate

Employers can help improve the financial wellness and eliminate cycles of debt for workers by allowing access to hard-earned pay every single day. This earned wage access is essential for getting workers out of crippling cycles of payday loans and credit card debt. Immediate verifies hours worked and allows your employees to access their pay early, all with no additional cost to the employer. Worker completes workday and clocks out using the normal process. HR software is updated with hours worked, including clock-in and clock-out. Immediate is notified of hours worked and makes earnings available for transfer. Immediate sends money via user’s preferred account, bank account or loadable debit card. On the next payday, repayment of accessed earnings are routed using payroll software. Immediate is repaid directly through the payroll process. Reduce turnover while building loyalty and higher motivation amongst your employees.

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Refyne

India’s first and largest earned wage access platform that empowers full-time and contracted employees with real-time access to pay. Acute financial anxiety among majority of human resource leads to distraction at work, negligence and poor or under-performance. As the financial pressure mounts with time, employees struggle to balance personal issues and workload, which increasingly begins to impact their overall output. Growing debt obligations and liquidity shortfall among employees could stir a spike in demand for salary advances, impacting employers’ working capital. Meanwhile, rising financial anxiety among employed Indians, resulting in absenteeism and rising attrition costs for enterprises. Financial stress can frustrate and hold back even your star employees who receive performance-linked incentives. Organizations must adopt a sound long-term wellness solution that addresses this issue and encourage their workforce to build financial resilience.

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GIMO

Digital transformation for advanced payroll processing and time check management. A risk-free payroll reserve fund at zero cost. Payroll welfare increases the employees' engagement, reducing the turnover rate. Ensure financial stability for better focus, productivity and efficiency. Ensure financial stability for better focus, productivity and efficiency. Access your earned wage with no time limit. Track you workday and access your earned wage all on GIMO App. Get paid whenever in just a few minutes. Data access are stricly aligned to your business's policy. Customization based on different business models and requirements. GIMO provides an on-demand payment platform for businesses while allowing employees to proactively access their earned salary based on individual needs. GIMO provides an on-demand payment platform for Vietnamese companies, not limited to any domain.

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UKG

That’s why we provide HR, payroll, and workforce management technology and services that inspire your people and elevate the work experience. Simplify recruiting, onboarding, self-service, and benefits administration. Make it easy for your people to bring their best selves to work. We build lifelong, trusted partnerships — to deliver more to your experience, to your people, and to your business. HR is the bridge between people, management, and leadership at your organization. Ensure you have the right technology, partnership, and culture strategies in one place to positively impact employees and business goals. Discover AI-powered workforce solutions with tailored industry experiences — built on an intelligent platform providing operational insights that empower your people.

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Fuego

Fourth

Fuego by Fourth is an on-demand payment app that allows employees to draw a portion of their earned pay and tips before payday. Employees can draw up to 50% of their earned funds within hours of completing a shift, which is deducted from net pay like other post-tax calculations, at no cost to the employer. And because Fuego integrates with HotSchedules, every time an employee logs in to check their schedule for the week, they can instantly get a view of their earned wages that are available for immediate draws. To directly help unbanked or underbanked workers, Fuego offers the Fuego Visa® Card* to give on-demand pay customers a trusted and convenient source for debit transactions. Fuego helps workers meet their financial goals and develops solutions to help employers develop a more optimistic, more engaged, and more productive workforce.

Starting Price: $0

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SalaryCredits

SalaryCredits is a leading Employee Financial Wellness Company, this will help improve an employee’s financial wellness and happiness in the workplace. Salarycredits enables employers to significantly reduce the financial stress of their employees. Salarycredits enables employers to significantly reduce the financial stress of their employees. It is an easy-to-use, online platform that lets individuals feel confident, informed and optimistic about overcoming personal financial challenges. Such fair access to finance, contributes in improving their financial well being.

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Clockout

Clockout enables account holders to access earnings before payday. Clockout is a great incentive for account holders to set up their direct deposit at your financial institution. Effortlessly embedded with your existing mobile and online banking platforms. Leverage our 40+ banking core integrations and SDKs that require minimal effort to deploy. Customize your EWA journey to match your brand's identity. Our SDK components provide the flexibility to design intuitive UXUI, ensuring a cohesive experience for your customers across all digital channels. Drive new direct deposits by incentivizing customers to switch their payroll to your bank. Offer an EWA service that meets your customers' financial needs, leading to increased loyalty and retention. Generate additional income through transaction fees, new direct deposits, and cross-selling services. Stand out in a competitive market by providing a unique, convenient service that appeals to modern consumers.

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rapid! OnDemand

rapid!

Employees get access to earned wages when they need them. Corporate payroll office requirement is only a daily file interface. Interfaces with payroll and time/labor systems to track and value accrued labor, eliminating risk. Policies govern access amount and frequency. Funds are deducted from the subsequent payroll deposits. Provide your employees with a new benefit, financial flexibility and education. Per transaction fees ensure they are only charged for services used, the fee cap keeps the cost low. Allows early wages access up to your company policy. Funds credited instantly or ACH to an existing account of the employee, a rapid! PayCard account or cash pickup at retail locations.

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Wagestream

There’s a reason why 82% of staff feel more positive about their employer. The best engagement comes from making your staff feel good and what’s more feel-good than getting paid? The financial relationship employees have with their employers is often the most positive one in their lives. That’s why financial wellness is the key driver of a sustainable workforce, and the reason why our employer-enabled financial tools mean 82% of our users feel more positive about their employer. Wagestream can guarantee, with use of employer data, to reduce the number of leavers in your business by 16%, in less than 12 months. Employees who are actively using Wagestream can feel a stronger link between their work and what they earn, therefore have done, on average, 22% more hours per month. Less stress and more minds on the job with flexible pay. Tracking wages is fast becoming our most used feature. Saving is incentivized with Wagestream.

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Compare the Top Earned Wage Access Platforms in Japan as of November 2024

What are Earned Wage Access Platforms in Japan?

Branch

Tapcheck

ZayZoon

Rain

Payactiv

Jify

PayDay Portal

Payflow

Instant Financial

Earnin

FinFit

Argyle

fastP.A.Y.E

Hastee

Netspend

Even

FlexWage

Immediate

Refyne

GIMO

UKG

Fuego

SalaryCredits

Clockout

rapid! OnDemand

Wagestream