Best Earned Wage Access Software for Small Business

How Many Earned Wage Access Software Products Does G2 Track?

Total Products under this Category: 44

Category Stats (Sep 2026)

  • Average Rating: 4.43/5 (↑0.01 vs Aug 2026) The average rating of products in this category, based on all submitted ratings
  • Top Trending Product: Chime Workplace (+2.63%) - Among all products in this category, Chime Workplace recorded the largest rating increase compared to last month

Last updated: September 17, 2026

How Does G2 Rank Earned Wage Access Software Products?

Why You Can Trust G2's Software Rankings:

  • 30 Analysts and Data Experts
  • 10,000+ Authentic Reviews
  • 44+ Products
  • Unbiased Rankings

G2's software rankings are built on verified user reviews, rigorous moderation, and a consistent research methodology maintained by a team of analysts and data experts. Each product is measured using the same transparent criteria, with no paid placement or vendor influence. While reviews reflect real user experiences, which can be subjective, they offer valuable insight into how software performs in the hands of professionals. Together, these inputs power the G2 Score, a standardized way to compare tools within every category.

G2 Grid® for Earned Wage Access Software

G2 Grid® for Earned Wage Access Software plotting products by satisfaction and market presence

Highlighted products: ZayZoon, ProLiant, Tapcheck, Inova Payroll, Sprout Solutions, Payactiv, and GoDo.

Underlying data: [Grid® JSON](https://www.g2.com/categories/earned-wage-access/grids.json?focus%5B%5D=zayzoon&focus%5B%5D=proliant&focus%5B%5D=tapcheck&focus%5B%5D=inova-payroll&focus%5B%5D=sprout-solutions-philippines-inc-sprout-solutions&focus%5B%5D=payactiv&focus%5B%5D=godo-godo&segment=small-business)

ZayZoon

ZayZoon is the financial empowerment platform for SMBs. With ZayZoon, payday finally comes with the push of a button. It’s free for employers and takes only 30 minutes to implement. Employees can use ZayZoon to get paid whenever, however. The platform also offers educational resources and tools to help workers break the paycheck-to-paycheck cycle. And it works. 89% of employees who use ZayZoon report less financial stress and employers who offer ZayZoon boast a 29% reduction in turnover.

Average Rating: 4.6/5.0

Total Reviews: 224

How Do G2 Users Rate ZayZoon?

  • Has the product been a good partner in doing business?: 9.6/10 (Category avg: 9.5/10)
  • Integrations: 9.2/10 (Category avg: 8.6/10)
  • Compliance: 8.7/10 (Category avg: 8.6/10)
  • Awarding bonuses: 6.6/10 (Category avg: 8.0/10)

Who Is the Company Behind ZayZoon?

  • Seller: ZayZoon
  • Company Website:
  • Year Founded: 2016
  • HQ Location: Calgary, CA
  • Twitter: @ZayZoon
    786 Twitter followers
  • LinkedIn® Page: www.linkedin.com
    205 employees on LinkedIn®

Who Uses This Product?

  • Who Uses This: HR Manager, Owner
  • Top Industries: Hospital & Health Care, Hospitality
  • Company Size: 63% Medium, 28% Small

What Do G2 Reviewers Say About ZayZoon?

AI-generated summary from verified user reviews

Pros
  • Users value the ease of use of ZayZoon, finding it simple to access earned wages and set up.
  • Users appreciate the early payment access of ZayZoon, enabling easy wage advances for essential expenses.
  • Users appreciate the freedom and ease of payroll management with ZayZoon, enhancing employee satisfaction and motivation.
  • Users highlight the easy access ZayZoon provides to their earnings, enhancing employee convenience and financial flexibility.
  • Users appreciate the helpful and responsive support from the ZayZoon team, enhancing their overall experience.
Cons
  • Users face payroll issues with ZayZoon, including visibility problems and delays in report accuracy affecting their processes.
  • Users express dissatisfaction with poor customer support, highlighting difficulties in obtaining timely assistance and resolution.
  • Users express frustration over access issues, citing limited fund withdrawals and fees for accessing earned wages.
  • Users express frustration with miscommunication, reporting unfulfilled promises and perceived bias in review approvals.
  • Users report deduction issues with ZayZoon, particularly lacking visibility for administrators during terminations.

What Are Recent G2 Reviews of ZayZoon?

What Are G2 Users Discussing About ZayZoon?

ProLiant

Who is ProLiant? ProLiant is a payroll and HR technology provider dedicated to striking the perfect balance between service and technology. We offer fully integrated, cloud-based tools that simplify processes while improving accuracy and ensuring compliance. Our solutions include: - Applicant Tracking & Recruitment - Employee Onboarding - Time & Labor Management - Payroll & Tax Services - HR & Benefits Administration - Performance Management - Early Wage Access (ReadyPay Today) - Learning Management System At ProLiant, we combine our robust suite of products with a CPA-like approach to our clients’ needs. We care about the small details and listen; we strive to find a solution to even the most demanding challenges, and we make decisions based on data. This approach has helped us regularly achieve an NPS score greater than 80, making us a leader in our industry and other recognizable companies. What can we say? When you’ve been delivering powerful technology and services for over 30 years and have over 5,000 customers, people pay attention. We approach everything we do here at ProLiant with you in mind. We’re ready to offer you frictionless tools that empower your workforce. We’re committed to providing personalized and memorable support. And we’ll do it all with absolute accuracy. Let’s get started!

Average Rating: 4.4/5.0

Total Reviews: 730

How Do G2 Users Rate ProLiant?

  • Has the product been a good partner in doing business?: 8.9/10 (Category avg: 9.5/10)
  • Integrations: 8.0/10 (Category avg: 8.6/10)
  • Compliance: 8.6/10 (Category avg: 8.6/10)
  • Awarding bonuses: 8.4/10 (Category avg: 8.0/10)

Who Is the Company Behind ProLiant?

  • Seller: ProLiant
  • Company Website:
  • Year Founded: 1993
  • HQ Location: Atlanta, Georgia, United States
  • Twitter: @ProliantInc
    254 Twitter followers
  • LinkedIn® Page: www.linkedin.com
    334 employees on LinkedIn®

Who Uses This Product?

  • Who Uses This: Controller, Office Manager
  • Top Industries: Restaurants, Hospital & Health Care
  • Company Size: 56% Medium, 37% Small

What Do G2 Reviewers Say About ProLiant?

AI-generated summary from verified user reviews

Pros
  • Users find ProLiant's platform easy to navigate, providing quick access to payroll and employee information.
  • Users value the timely and effective customer support, enhancing their experience with ProLiant's features and setup.
  • Users appreciate the exceptional customer service and effortless navigation, making payroll management simple and efficient.
  • Users appreciate the streamlined payroll process of ProLiant, allowing for quick and efficient management.
  • Users appreciate the user-friendly payroll management of ProLiant, making tax preparation and access to information effortless.
Cons
  • Users express frustration with ProLiant's poor customer support, citing inadequate assistance and unresolved issues over time.
  • Users find the interface not intuitive, making it difficult to navigate and manage essential payroll functions.
  • Users find ProLiant not user-friendly, struggling with navigation and complex initial setup and changes.
  • Users find the limited customization of ProLiant's reports restrictive and the dashboard difficult to navigate.
  • Users find the payroll process complicated, wishing for a more straightforward, user-friendly experience.

What Are Recent G2 Reviews of ProLiant?

What Are G2 Users Discussing About ProLiant?

Tapcheck

Tapcheck is the leading on-demand pay provider, empowering employees to take control of payday. Seamlessly integrated with 300+ payroll and timekeeping systems, Tapcheck improves retention, simplifies payroll, and boosts employee financial wellness, without any cost or added complexity for employers. The user-friendly app gives employees instant, secure access to wages they've already earned, promoting financial stability and reducing stress. Tapcheck's real-time net pay calculator ensures unmatched accuracy, offering a better experience for employees and clear visibility for payroll teams.

Average Rating: 4.7/5.0

Total Reviews: 139

How Do G2 Users Rate Tapcheck?

  • Has the product been a good partner in doing business?: 9.5/10 (Category avg: 9.5/10)
  • Integrations: 9.2/10 (Category avg: 8.6/10)
  • Compliance: 9.3/10 (Category avg: 8.6/10)
  • Awarding bonuses: 8.2/10 (Category avg: 8.0/10)

Who Is the Company Behind Tapcheck?

  • Seller: Tapcheck
  • Company Website:
  • Year Founded: 2019
  • HQ Location: Plano, US
  • Twitter: @tapcheckinc
    524 Twitter followers
  • LinkedIn® Page: www.linkedin.com
    184 employees on LinkedIn®

Who Uses This Product?

  • Who Uses This: Owner, Human Resources Manager
  • Top Industries: Hospital & Health Care, Health, Wellness and Fitness
  • Company Size: 73% Medium, 26% Small

What Do G2 Reviewers Say About Tapcheck?

AI-generated summary from verified user reviews

Pros
  • Users appreciate the ease of use of Tapcheck, finding the app intuitive and the process straightforward.
  • Users love the early payment access of Tapcheck, enabling financial independence for caregivers and seamless payroll for employers.
  • Users appreciate the easy access to funds through the intuitive Tapcheck app, enhancing financial independence for caregivers.
  • Users value the seamless integrations of Tapcheck, enhancing efficiency and reducing administrative burdens for payroll management.
  • Users appreciate the seamless transition with Tapcheck, enjoying effortless integration and easy access to funds for employees.
Cons
  • Users express dissatisfaction with the lack of phone support for urgent issues, preferring immediate assistance.
  • Users wish for improvements regarding payroll issues, specifically faster access to paychecks post-shift and cash options.
  • Users express frustration with poor customer support, preferring faster responses than the chat-only interface offers.

What Are Recent G2 Reviews of Tapcheck?

What Are G2 Users Discussing About Tapcheck?

Inova Payroll

nova is a fully unified payroll, HR, and benefits solution designed to help organizations automate their most critical workforce management tasks. This comprehensive platform addresses the evolving needs of employees while ensuring compliance with changing employer regulations. By centralizing key HR functions, Inova streamlines the management of the entire employee lifecycle, making it an essential tool for businesses looking to enhance operational efficiency—especially those that rely on industry-specific and financial system integrations. Inova caters to organizations of all sizes that require a robust system to manage payroll, benefits, and employee relations. The platform is particularly beneficial for companies in industries such as construction, field services, and property management, with deep integrations to leading industry platforms like ServiceTitan, Aspire Software, and M3. Inova also connects seamlessly with popular ERP and accounting systems including Acumatica, Sage Intacct, and QuickBooks Online, ensuring accurate data flow between workforce and financial operations. Inova’s key features include: Payroll and tax filing Time and attendance tracking Scheduling Recruiting and applicant tracking Employee onboarding Benefits administration Performance management Compliance reporting Each of these components works seamlessly together within a single database, ensuring employee information is consistent, accurate, and always up to date. Through its native and integrated ecosystem, Inova reduces manual data entry, minimizes errors, and simplifies complex workflows—allowing HR and finance teams to focus on strategic initiatives rather than administrative tasks. The platform’s user-friendly web and mobile interface enhances accessibility, enabling employees and managers to engage with the system from anywhere. This flexibility supports a modern workforce that values convenience and efficiency. Inova’s compliance reporting tools further help organizations stay ahead of regulatory changes, reducing risk and supporting adherence to federal, state, and local labor laws. Overall, Inova stands out in the HR technology landscape by offering a comprehensive, integration-ready solution that brings payroll, HR, benefits, and industry-specific systems together into one cohesive platform. By leveraging Inova, organizations can improve workforce management, enhance employee satisfaction, and maintain compliance with confidence—ultimately driving better business outcomes.

Average Rating: 4.4/5.0

Total Reviews: 631

How Do G2 Users Rate Inova Payroll?

  • Has the product been a good partner in doing business?: 9.3/10 (Category avg: 9.5/10)
  • Integrations: 8.4/10 (Category avg: 8.6/10)
  • Compliance: 9.1/10 (Category avg: 8.6/10)
  • Awarding bonuses: 8.6/10 (Category avg: 8.0/10)

Who Is the Company Behind Inova Payroll?

  • Seller: Inova Payroll, Inc.
  • Year Founded: 2011
  • HQ Location: Nashville, TN
  • Twitter: @InovaPayroll
    566 Twitter followers
  • LinkedIn® Page: www.linkedin.com
    183 employees on LinkedIn®

Who Uses This Product?

  • Who Uses This: Office Manager, HR Manager
  • Top Industries: Construction, Non-Profit Organization Management
  • Company Size: 53% Medium, 42% Small

What Do G2 Reviewers Say About Inova Payroll?

AI-generated summary from verified user reviews

Pros
  • Users commend Inova Payroll for its exceptional customer support, consistently responsive and knowledgeable in addressing concerns.
  • Users appreciate the ease of use of Inova Payroll, finding the process straightforward and stress-free.
  • Users praise Inova Payroll for its exceptional customer support, highlighting quick responses and helpful representatives like Lynda.
  • Users commend Inova Payroll for its fantastic customer service, highlighting the personal touch and responsiveness of support staff.
  • Users value the quick response time from Inova Payroll's customer support, enhancing their overall service experience.
Cons
  • Users face a steep learning curve with Inova Payroll, finding navigation and reporting challenging initially.
  • Users find the complex reporting difficult to navigate, often struggling to access specific or past reports effectively.
  • Users find navigation difficult, complicating their ability to access necessary reports quickly and efficiently.
  • Users find Inova Payroll to be not intuitive, making it challenging and frustrating to navigate and use effectively.
  • Users find difficult navigation in Inova Payroll, struggling with a nonintuitive interface and complex report access.

What Are Recent G2 Reviews of Inova Payroll?

What Are G2 Users Discussing About Inova Payroll?

Sprout Solutions

Sprout Solutions is the Philippines' leading HR software and payroll platform: a People-First AI system built for Philippine businesses that need accurate payroll, automated timekeeping, and full labor law compliance in one place. Founded in 2015, Sprout Solutions has grown into the largest homegrown B2B SaaS company in the Philippines, now serving 2,000+ business teams and 350,000+ platform users. It has processed over $2 billion in payroll, built entirely on deep local expertise in Philippine HR, labor regulations, and workforce management. What Sprout Solutions does: The platform covers the full employee lifecycle, from recruitment and onboarding to daily timekeeping, payroll processing, government-mandated compliance (BIR, SSS, PhilHealth, Pag-IBIG, DOLE), performance management, and employee financial wellness. Instead of managing multiple HR vendors, Sprout Solutions consolidates Core HR, Payroll, Talent Management, and Employee Retention into a single connected system, reducing errors, eliminating data silos, and giving HR teams real-time visibility over their entire workforce. Who it's built for: Sprout Solutions serves Philippine businesses of all sizes, from growing SMEs running their first formal payroll to large enterprises with complex multi-location, multi-shift workforce operations. It is especially trusted in industries with demanding compliance requirements: BPO, manufacturing, retail, professional services, and hospitality. AI-powered HR, built for the Philippines

Average Rating: 4.7/5.0

Total Reviews: 441

How Do G2 Users Rate Sprout Solutions?

  • Has the product been a good partner in doing business?: 9.2/10 (Category avg: 9.5/10)
  • Integrations: 9.3/10 (Category avg: 8.6/10)
  • Compliance: 9.3/10 (Category avg: 8.6/10)
  • Awarding bonuses: 9.1/10 (Category avg: 8.0/10)

Who Is the Company Behind Sprout Solutions?

Who Uses This Product?

  • Who Uses This: Content Moderator, Customer Service Representative
  • Top Industries: Outsourcing/Offshoring, Consumer Services
  • Company Size: 62% Medium, 20% Large

What Do G2 Reviewers Say About Sprout Solutions?

AI-generated summary from verified user reviews

Pros
  • Users find Sprout Solutions extremely user-friendly, enabling easy access to payroll and attendance features.
  • Users value the automation and convenience of payroll management in Sprout Solutions, simplifying employee monitoring and adjustments.
  • Users value the ease of managing payroll with Sprout Solutions, simplifying employee monitoring and automation.
  • Users value the ease of payroll management with Sprout Solutions, streamlining processes and enhancing employee monitoring.
  • Users love the easy access to employee records and payroll details, simplifying HR processes significantly.
Cons
  • Users often face technical issues with Sprout Solutions, experiencing inaccurate geotagging and server downtimes affecting usability.
  • Users face challenges with reporting issues, including manual data entry and inconsistent app interfaces.
  • Users face timekeeping issues with Sprout Solutions, experiencing problems with attendance capture and date accuracy.
  • Users face login issues due to application glitches and overly short idle time, impacting accessibility and experience.
  • Users report missing features like record accuracy, performance review integration, and limited report templates in Sprout Solutions.

What Are Recent G2 Reviews of Sprout Solutions?

What Are G2 Users Discussing About Sprout Solutions?

Payactiv

Payactiv makes access work—for people, for business, for growth. As the creator of Earned Wage Access, we work within payroll to provide responsible access to earned wages, proving that when people move forward, companies do too. Retention improves, staffing becomes more reliable, engagement rises, and teams contribute with greater consistency and commitment. In 2012, Payactiv introduced a simple but transformative idea: No one should wait to use what they’ve already earned. Employees should be able to access their earned wages—responsibly and securely—without interest, or disruption to payroll. This model bridges the gap between hours worked and pay received, helping employees avoid late fees, overdrafts, and payday loans that erode financial stability. But Payactiv goes beyond EWA. The platform is designed as a comprehensive financial growth infrastructure, offering a suite of tools that help employees manage, save, and plan for their future. For employers, it delivers measurable outcomes through real-time data, adoption insights, and ROI reporting, all within a compliant, payroll-aligned framework. More than 40,000 employers and 5 million employees across healthcare, retail, manufacturing, logistics, and hospitality trust Payactiv to drive measurable business and human outcomes. Core capabilities include: ✔︎ Earned Wage Access: Employees can access wages they’ve already earned—on demand, with no payday loans or credit checks. ✔︎ Financial growth tools: Built-in savings, bill pay, budgeting, built-in deals & offers, and goal-tracking features to build long-term financial health. ✔︎ Financial education and counseling: In-app learning resources and access to 1:1 financial counseling to support informed decisions and long-term financial confidence. ✔︎ Pay solutions: Payroll cards, digital tip and mileage disbursement, and off-cycle pay options that ensure every form of earned value is available when needed. ✔︎ Employer insights: Dashboards and reporting that measure engagement, retention, and ROI over time. ✔︎ Responsible design and compliance: SOC 2, PCI, and ISO certified, compliant in all 50 states, and built in partnership with regulators. ✔︎ Employee and employer support: Dedicated onboarding, optimization, and 24/7 customer care to ensure lasting adoption and success. Because when people have the means to move ahead, they bring their best to work—and workplaces built on that momentum grow stronger from the inside out, gaining the stability, loyalty, and performance that make growth mutual.

Average Rating: 4.6/5.0

Total Reviews: 92

How Do G2 Users Rate Payactiv?

  • Has the product been a good partner in doing business?: 8.6/10 (Category avg: 9.5/10)
  • Integrations: 4.4/10 (Category avg: 8.6/10)
  • Compliance: 5.3/10 (Category avg: 8.6/10)
  • Awarding bonuses: 2.2/10 (Category avg: 8.0/10)

Who Is the Company Behind Payactiv?

  • Seller: Payactiv
  • Company Website:
  • Year Founded: 2012
  • HQ Location: San Jose, US
  • Twitter: @PayActiv
    1,777 Twitter followers
  • LinkedIn® Page: www.linkedin.com
    387 employees on LinkedIn®

Who Uses This Product?

  • Top Industries: Hospital & Health Care, Retail
  • Company Size: 51% Medium, 22% Large

What Do G2 Reviewers Say About Payactiv?

AI-generated summary from verified user reviews

Pros
  • Users value the convenience of early payment access from Payactiv, providing financial relief and flexibility during emergencies.
  • Users appreciate the easy setup of Payactiv, allowing quick and hassle-free access to their funds.
  • Users find Payactiv to be extremely easy to use, appreciating the quick setup and immediate access to earnings.
  • Users value the convenient access to earned wages from Payactiv, enhancing financial flexibility and employee morale.
  • Users find Payactiv's easy access to earnings very convenient for emergencies and everyday expenses like groceries and gas.
Cons
  • Users feel the high fees of Payactiv lead to increased debt and add up significantly from their checks.
  • Users experience payroll issues with Payactiv, facing delays and high fees that complicate their financial situation.
  • Users face frequent login issues with Payactiv, complicating the cash-out process and creating frustration.
  • Users experience poor customer support with Payactiv, facing unprofessional service and communication barriers during issues.
  • Users experience slow performance with Payactiv, particularly during peak hours, making cashing out frustrating.

What Are Recent G2 Reviews of Payactiv?

What Are G2 Users Discussing About Payactiv?

GoDo

GoDo offers employees early access to their wages without fees or interest. The company is mission-driven to provide an innovative and ethical earned wage access program that makes it easy for employers to offer the benefit at no cost to the company or their employees because GoDo is funded through innovative digital banking partnerships and the Mastercard network. The innovative GoDo solution requires no new projects and integrations, so employers can launch with GoDo in minutes.

Average Rating: 4.3/5.0

Total Reviews: 19

How Do G2 Users Rate GoDo?

  • Has the product been a good partner in doing business?: 9.2/10 (Category avg: 9.5/10)
  • Integrations: 8.4/10 (Category avg: 8.6/10)
  • Compliance: 8.0/10 (Category avg: 8.6/10)
  • Awarding bonuses: 8.0/10 (Category avg: 8.0/10)

Who Is the Company Behind GoDo?

  • Seller: GoDo
  • Year Founded: 2020
  • HQ Location: Chicago, US
  • Twitter: @getGoDoCash
    30 Twitter followers
  • LinkedIn® Page: www.linkedin.com
    57 employees on LinkedIn®

Who Uses This Product?

  • Top Industries: Information Technology and Services
  • Company Size: 63% Small, 32% Medium

What Do G2 Reviewers Say About GoDo?

AI-generated summary from verified user reviews

Pros
  • Users value the intuitive interface of GoDo, making payroll management easy and accessible anytime.
  • Users find GoDo's interface to be clear and intuitive, making navigation effortless and user-friendly.
  • Users appreciate the easy access to their wages and the intuitive, user-friendly interface of GoDo.
  • Users appreciate the easy navigation of GoDo, finding the interface clear and intuitive for seamless access.
  • Users appreciate the intuitive interface of GoDo, making navigation seamless and straightforward.
Cons
  • Users face access issues with GoDo, as they can't retrieve earned wages on weekends when urgent needs arise.
  • Users experience payroll issues with GoDo, especially restrictions on accessing wages during weekends causing urgent financial difficulties.
  • Users experience slow performance with GoDo, unsure if it's due to the app or their internet connection.

What Are Recent G2 Reviews of GoDo?

Inia Debnath
ID
Researched and written by Inia Debnath
Updated