# 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.





## Category Overview

**Total Products under this Category:** 38


## Trust & Credibility Stats

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

- 30 Analysts and Data Experts
- 8,800+ Authentic Reviews
- 38+ 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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**Sponsored**

### Chime Workplace

About Chime Workplace The enterprise division of Chime® (NASDAQ: CHYM) , a leading financial technology company, partners with leading employers to deliver financial wellness solutions that empower their workforce. Through our flagship product, Chime Workplace, we offer an all-in-one financial suite designed to help employees manage their money, build credit, and save for the future— all in one app. With a comprehensive set of financial benefits, employees gain the tools they need to achieve stability and make progress. To learn more, please visit enterprise.chime.com. Features include: Liquidity: Employees can manage their day-to-day finances through a broad set of no-cost tools. Included in this benefit category is Chimes market leading earned wage access product. Savings: Employees can automate savings, earn as they spend, and grow their money with high- yield savings. Whether for emergencies or future goals, progress happens easily. Credit: By expanding financial opportunities with credit building tools, rent reporting, and instant loans, employees can strengthen their financial future on everyday purchases. Financial Guidance: AI-enabled intelligent, empathetic financial copilot that automatically manages income, saving, and spending — helping employees stay ahead of their money with confidence and control. Unlock workforce productivity by ending financial stress.
At no cost. Employee money stress is actually a business problem. As the affordability crisis squeezes employees’ budgets, financial wellness isn’t just a benefit, it’s a business driver. This is where Chime Workplace goes to work. The all-in-one financial suite helps you give people more control over their money, and more focus at work. To learn more, please visit enterprise.chime.com.



[Visit website](https://www.g2.com/external_clickthroughs/record?secure%5Bad_program%5D=ppc&secure%5Bad_slot%5D=category_product_list&secure%5Bcategory_id%5D=2685&secure%5Bdisplayable_resource_id%5D=2685&secure%5Bdisplayable_resource_type%5D=Category&secure%5Bmedium%5D=sponsored&secure%5Bplacement_reason%5D=page_category&secure%5Bplacement_resource_ids%5D%5B%5D=2685&secure%5Bprioritized%5D=false&secure%5Bproduct_id%5D=1584745&secure%5Bresource_id%5D=2685&secure%5Bresource_type%5D=Category&secure%5Bsource_type%5D=category_page&secure%5Bsource_url%5D=https%3A%2F%2Fwww.g2.com%2Fcategories%2Fearned-wage-access%3Fpage%3D14&secure%5Btoken%5D=081c577fb1e9d7c9daa59e0023b0f151bdde240fef076ef9ccf547916e72a211&secure%5Burl%5D=https%3A%2F%2Fenterprise.chime.com%2F%3Futm_source%3Dg2%26utm_medium%3Ddirectory%26utm_campaign%3Dlisting&secure%5Burl_type%5D=custom_url&secure%5Bvisitor_segment%5D=180)

---

## Top-Rated Products (Ranked by G2 Score)
### 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:** 4.7/5.0
  **Total Reviews:** 194

**User Satisfaction Scores:**

- **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)


**Seller Details:**

- **Seller:** [ZayZoon](https://www.g2.com/sellers/zayzoon)
- **Company Website:** https://www.zayzoon.com/
- **Year Founded:** 2016
- **HQ Location:** Calgary, CA
- **Twitter:** @ZayZoon (787 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/zayzoon/ (196 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Owner, HR Manager
  - **Top Industries:** Hospital & Health Care, Hospitality
  - **Company Size:** 68% Mid-Market, 22% Small-Business


#### Pros & Cons

**Pros:**

- Ease of Use (19 reviews)
- Early Payment Access (13 reviews)
- Payroll Management (12 reviews)
- Easy Access (8 reviews)
- Helpful (8 reviews)

**Cons:**

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

### 2. [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

**User Satisfaction Scores:**

- **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)


**Seller Details:**

- **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 (255 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/146237/ (323 employees on LinkedIn®)

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


#### Pros & 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)

### 3. [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:** 630

**User Satisfaction Scores:**

- **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)


**Seller Details:**

- **Seller:** [Inova Payroll, Inc.](https://www.g2.com/sellers/inova-payroll-inc)
- **Company Website:** https://inovapayroll.com/
- **Year Founded:** 2011
- **HQ Location:** Nashville, TN
- **Twitter:** @InovaPayroll (567 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/2227480/ (254 employees on LinkedIn®)

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


#### Pros & Cons

**Pros:**

- Customer Support (92 reviews)
- Helpful (90 reviews)
- Ease of Use (44 reviews)
- Payroll Ease (41 reviews)
- Payroll Management (40 reviews)

**Cons:**

- Navigation Difficulty (26 reviews)
- Difficult Navigation (22 reviews)
- Not User-Friendly (22 reviews)
- Not Intuitive (21 reviews)
- Learning Curve (18 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

**User Satisfaction Scores:**

- **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)


**Seller Details:**

- **Seller:** [Tapcheck](https://www.g2.com/sellers/tapcheck)
- **Company Website:** https://www.tapcheck.com/
- **Year Founded:** 2019
- **HQ Location:** Plano, US
- **Twitter:** @tapcheckinc (530 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/tapcheckinc/ (170 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Who Uses This:** Owner, Human Resources Manager
  - **Top Industries:** Hospital & Health Care, Health, Wellness and Fitness
  - **Company Size:** 73% Mid-Market, 26% Small-Business


#### Pros & 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 a comprehensive HR and business solution designed to enhance organizational efficiency and employee success through the power of artificial intelligence. By integrating AI technology, Sprout streamlines processes, ensuring that companies can focus on their most valuable asset—their people. Sprout caters to a wide range of businesses, from small startups to large enterprises, ensuring that they get the solution they need. Transform your HR and Payroll Operations: Sprout’s core HR features enable organizations to automate payroll and employee management tasks, ensuring compliance with local regulations while reducing administrative burdens. This allows HR departments to operate more accurately and efficiently, freeing up time to focus on strategic initiatives that drive employee engagement and organizational growth. Source, Recruit, Onboard, and Develop Talent: With Sprout’s recruitment and performance management tools, organizations can enhance their hiring processes and ensure that they attract the right candidates. These solutions support employee development and skill enhancement within the organization, not only filling vacancies but also nurturing talent for long-term success. Engage and Retain your Employees: Foster a supportive workplace with tools that measure employee sentiment and promote mental, physical, financial, and professional health. Sprout’s retention solutions create a culture where employees feel valued, reducing turnover and boosting productivity. Streamline Operations and Drive Growth for Your Business: Develop and achieve strategic business goals by enhancing operational efficiency and facilitating growth. Sprout’s business solutions enable informed decisions that drive performance and profitability, ensuring that organizations continue to thrive in an increasingly competitive environment while prioritizing the needs of their employees.


  **Average Rating:** 4.7/5.0
  **Total Reviews:** 440

**User Satisfaction Scores:**

- **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)


**Seller Details:**

- **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 (1,031 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/6457088/ (472 employees on LinkedIn®)

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


#### Pros & 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

**User Satisfaction Scores:**

- **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)


**Seller Details:**

- **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/ (52 employees on LinkedIn®)

**Reviewer Demographics:**
  - **Top Industries:** Information Technology and Services
  - **Company Size:** 63% Small-Business, 32% Mid-Market


#### Pros & 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)



## Parent Category

[HR Software](https://www.g2.com/categories/hr)



## Related Categories

- [Financial Wellness Software](https://www.g2.com/categories/financial-wellness)