# Best Earned Wage Access Software for Small Business

  *By [Jeffrey Lin](https://research.g2.com/insights/author/jeffrey-lin)*

   Products classified in the overall Earned Wage Access category are similar in many regards and help companies of all sizes solve their business problems. However, small business features, pricing, setup, and installation differ from businesses of other sizes, which is why we match buyers to the right Small Business Earned Wage Access to fit their needs. Compare product ratings based on reviews from enterprise users or connect with one of G2's buying advisors to find the right solutions within the Small Business Earned Wage Access category.

In addition to qualifying for inclusion in the Earned Wage Access Software category, to qualify for inclusion in the Small Business Earned Wage Access Software category, a product must have at least 10 reviews left by a reviewer from a small business.




  
## How Many Earned Wage Access Software Products Does G2 Track?
**Total Products under this Category:** 39

### Category Stats (Jun 2026)
- **Average Rating**: 4.42/5 The average rating of products in this category, based on all submitted ratings
- **New Reviews This Quarter**: 102
- **Buyer Segments**: Small-Business 45% │ Mid-Market 36% │ Enterprise 18% Represents the distribution of reviewers across all products in this category.
- **Top Trending Product**: Paycom (+0.24%) - Among all products in this category, Paycom recorded the largest rating increase compared to last month
*Last updated: June 09, 2026*

  
## How Does G2 Rank Earned Wage Access Software Products?

**Why You Can Trust G2's Software Rankings:**

- 30 Analysts and Data Experts
- 9,100+ Authentic Reviews
- 39+ 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.

  
  
---

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---

  ## What Are the Top-Rated Earned Wage Access Software Products in 2026?
### 1. [ZayZoon](https://www.g2.com/products/zayzoon/reviews)
  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:** 206
**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: 8.5/10)
- **Awarding bonuses:** 6.6/10 (Category avg: 8.0/10)

**Who Is the Company Behind ZayZoon?**

- **Seller:** [ZayZoon](https://www.g2.com/sellers/zayzoon)
- **Company Website:** https://www.zayzoon.com/
- **Year Founded:** 2016
- **HQ Location:** Calgary, CA
- **Twitter:** @ZayZoon (785 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/zayzoon/ (201 employees on LinkedIn®)

**Who Uses This Product?**
  - **Who Uses This:** HR Manager, Owner
  - **Top Industries:** Hospital & Health Care, Hospitality
  - **Company Size:** 66% Mid-Market, 24% Small-Business


#### What Are ZayZoon's Pros and Cons?

**Pros:**

- Ease of Use (15 reviews)
- Early Payment Access (10 reviews)
- Payroll Management (9 reviews)
- Helpful (7 reviews)
- Access Availability (6 reviews)

**Cons:**

- Poor Customer Support (4 reviews)
- Payroll Issues (3 reviews)
- Access Issues (2 reviews)
- Miscommunication (2 reviews)
- Deduction Issues (1 reviews)

### 2. [Inova Payroll](https://www.g2.com/products/inova-payroll/reviews)
  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: 8.5/10)
- **Awarding bonuses:** 8.6/10 (Category avg: 8.0/10)

**Who Is the Company Behind Inova Payroll?**

- **Seller:** [Inova Payroll, Inc.](https://www.g2.com/sellers/inova-payroll-inc)
- **Year Founded:** 2011
- **HQ Location:** Nashville, TN
- **Twitter:** @InovaPayroll (567 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/2227480/ (193 employees on LinkedIn®)

**Who Uses This Product?**
  - **Who Uses This:** Office Manager, HR Manager
  - **Top Industries:** Construction, Non-Profit Organization Management
  - **Company Size:** 53% Mid-Market, 42% Small-Business


#### What Are Inova Payroll's Pros and Cons?

**Pros:**

- Customer Support (176 reviews)
- Helpful (155 reviews)
- Ease of Use (106 reviews)
- Payroll (82 reviews)
- Response Time (73 reviews)

**Cons:**

- Not Intuitive (36 reviews)
- Steep Learning Curve (32 reviews)
- Complex Reporting (27 reviews)
- Navigation Difficulty (24 reviews)
- Poor Customer Support (21 reviews)

### 3. [ProLiant](https://www.g2.com/products/proliant/reviews)
  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:** 685
**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: 8.5/10)
- **Awarding bonuses:** 8.4/10 (Category avg: 8.0/10)

**Who Is the Company Behind ProLiant?**

- **Seller:** [ProLiant](https://www.g2.com/sellers/proliant)
- **Company Website:** https://www.proliant.com
- **Year Founded:** 1993
- **HQ Location:** Atlanta, Georgia, United States
- **Twitter:** @ProliantInc (254 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/146237/ (330 employees on LinkedIn®)

**Who Uses This Product?**
  - **Who Uses This:** Controller, Office Manager
  - **Top Industries:** Restaurants, Hospital & Health Care
  - **Company Size:** 56% Mid-Market, 37% Small-Business


#### What Are ProLiant's Pros and Cons?

**Pros:**

- Ease of Use (114 reviews)
- Customer Support (107 reviews)
- Helpful (101 reviews)
- Payroll (53 reviews)
- Payroll Management (48 reviews)

**Cons:**

- Poor Customer Support (32 reviews)
- Not Intuitive (28 reviews)
- Not User-Friendly (25 reviews)
- Limited Customization (21 reviews)
- Payroll Issues (21 reviews)

### 4. [Tapcheck](https://www.g2.com/products/tapcheck/reviews)
  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: 8.5/10)
- **Awarding bonuses:** 8.2/10 (Category avg: 8.0/10)

**Who Is the Company Behind Tapcheck?**

- **Seller:** [Tapcheck](https://www.g2.com/sellers/tapcheck)
- **Company Website:** https://www.tapcheck.com/
- **Year Founded:** 2019
- **HQ Location:** Plano, US
- **Twitter:** @tapcheckinc (524 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/tapcheckinc/ (169 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% Mid-Market, 26% Small-Business


#### What Are Tapcheck's Pros and Cons?

**Pros:**

- Ease of Use (5 reviews)
- Early Payment Access (3 reviews)
- Easy Access (3 reviews)
- Integrations (3 reviews)
- Seamless Transition (3 reviews)

**Cons:**

- Lack of Phone Support (1 reviews)
- Payroll Issues (1 reviews)
- Poor Customer Support (1 reviews)

### 5. [Sprout Solutions](https://www.g2.com/products/sprout-solutions-philippines-inc-sprout-solutions/reviews)
  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:** 440
**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: 8.5/10)
- **Awarding bonuses:** 9.1/10 (Category avg: 8.0/10)

**Who Is the Company Behind Sprout Solutions?**

- **Seller:** [Sprout Solutions Philippines, Inc.](https://www.g2.com/sellers/sprout-solutions-philippines-inc)
- **Year Founded:** 2015
- **HQ Location:** Mandaluyong, National Capital Region
- **Twitter:** @SproutHRTech (1,030 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/6457088/ (455 employees on LinkedIn®)

**Who Uses This Product?**
  - **Who Uses This:** Content Moderator, Customer Service Representative
  - **Top Industries:** Outsourcing/Offshoring, Consumer Services
  - **Company Size:** 62% Mid-Market, 20% Enterprise


#### What Are Sprout Solutions's Pros and Cons?

**Pros:**

- Ease of Use (87 reviews)
- Payroll Management (54 reviews)
- Payroll (37 reviews)
- Easy Payroll (31 reviews)
- Easy Access (29 reviews)

**Cons:**

- Technical Issues (34 reviews)
- Reporting Issues (23 reviews)
- Timekeeping Issues (17 reviews)
- Login Issues (10 reviews)
- Missing Features (10 reviews)

### 6. [GoDo](https://www.g2.com/products/godo-godo/reviews)
  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: 8.5/10)
- **Awarding bonuses:** 8.0/10 (Category avg: 8.0/10)

**Who Is the Company Behind GoDo?**

- **Seller:** [GoDo](https://www.g2.com/sellers/godo-856f774c-f36f-43dd-a74c-9d9494c6f3be)
- **Year Founded:** 2020
- **HQ Location:** Chicago, US
- **Twitter:** @getGoDoCash (30 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/godolife/ (56 employees on LinkedIn®)

**Who Uses This Product?**
  - **Top Industries:** Information Technology and Services
  - **Company Size:** 63% Small-Business, 32% Mid-Market


#### What Are GoDo's Pros and Cons?

**Pros:**

- Payroll Management (2 reviews)
- Ease of Use (1 reviews)
- Easy Access (1 reviews)
- Easy Navigation (1 reviews)
- Intuitive Use (1 reviews)

**Cons:**

- Access Issues (1 reviews)
- Payroll Issues (1 reviews)
- Slow Performance (1 reviews)


    ## What Is Earned Wage Access Software?
  [HR Software](https://www.g2.com/categories/hr)
  ## What Software Categories Are Similar to Earned Wage Access Software?
    - [Financial Wellness Software](https://www.g2.com/categories/financial-wellness)