Instant Financial Software
Company Name: PayHero Inc.
About: PayHero is dedicated to the financial empowerment of service industry workers and the success of the
businesses that employ them.
Headquarters: Adelaide, South Australia, Australia.
Instant Financial Overview
What is Instant Financial? The Instant Financial app is available only to verified employees who are paid by Instant. It provides daily access to earned wages and/or tips for free. The app allows users to connect their Instant card with their Instant account to make in-store and online purchases, withdraw cash from any ATM, receive important notifications, claim Instant Pay offers, check real-time balance and view recent activity, find the nearest ATM for free cash withdrawals, and transfer money to their bank account.
Features
- Pair a new or replacement Instant card to the Instant account
- Get notified when Instant Pay offers are available
- Get notified when paid Instant Pay, Net Pay balance, or Tips
- Receive daily wages and/or tips directly to the Instant card and have immediate access to money
- Check account balance and review latest account activity
- Find the nearest ATM for free cash withdrawal across the MoneyPass ATM Network (US) or the Exchange ATM Network (Canada)
- Freeze and unfreeze the card in case of loss or theft
- Transfer money to another bank account - one-time transfers and scheduled recurring transfers
- Receive support via email, chat, or phone call
- Update personal information in the app
- Pay bills (in Canada only, US coming soon)
- No usage fees except for avoidable fees such as a 90-day inactivity fee or an off-network ATM withdrawal fee
- Pre-authorizations may be placed by some merchants
- Bank transfers may take up to 2-3 business days to process and appear in the destination bank account
- Restrictions apply to loading the Instant card
- Support available through FAQ, chat, email, and phone call.
Official Screenshots
Instant Financial Pricing Plans
| Duration | Amount (USD) |
|---|---|
| Billed Once | $53.37 |
**Pricing data is based on average subscription prices reported by Justuseapp.com users..
Product Details and Description of
Only available at employers offering Instant. For verified employees who are paid by Instant, the Instant Financial app gives you daily access to your earned wages and/or tips for free. Connect your Instant card with your Instant account to receive your wages and/or tips, make in-store and online purchases, and withdraw cash from any ATM. Use the Instant app to receive important notifications, claim Instant Pay offers, check your real-time balance and view your recent activity, find the nearest ATM for free cash withdrawals, and transfer your money to your bank account. Instant puts you in control over how you get paid. GETTING STARTED 1. Create an Instant account with your email address and password 2. Enter your personal information for verification purposes 3. Pair the Instant card you received from your manager by scanning the barcode to the right of your Instant card on your welcome letter (the paper your card was glued on) 4. Find your employer and add a job 5. Once you’re verified, you’ll receive your daily earned wages and/or tips daily right to your Instant card FEATURES & BENEFITS • Pair a new or replacement Instant card to your Instant account • Get notified when Instant Pay offers are available • Get notified when you’ve been paid your Instant Pay, the balance of your Net Pay, or Tips • Receive your daily wages and/or tips directly to your Instant card and have immediate access to your money • Check your account balance and review your latest account activity • Find the nearest ATM for free cash withdrawal across the MoneyPass ATM Network (US) or the Exchange ATM Network (Canada) • Freeze and unfreeze your card in case your card is lost or stolen • Transfer money to another bank account - one-time transfers and scheduled recurring transfers • Receive support via email, chat, or phone call • Update your personal information in the app • Pay your bills (in Canada only, US coming soon) NO USAGE FEES At Instant, we don’t believe in charging you fees to receive, spend, or access your money. We only charge avoidable fees, such as a 90-day inactivity fee or an off-network ATM withdrawal fee. For a comprehensive list of fees, please refer to our US Cardholder Agreement (https://www.instant.co/us-cha/) or our Canadian Cardholder Agreement (https://www.instant.co/ca-cardholder-agreement/) PRE-AUTHORIZATIONS Please be aware that some merchants, such as gas stations, restaurants, hotels, and car rental agencies, may place a temporary pre-authorization hold to ensure your card is valid and that there are sufficient funds on the card to cover the final amount. Holds are usually removed and released back to your card when the transaction is completed within 5 days or sooner. Some merchants, such as hotels and car rental agencies, have pre-authorization holds that can last up to 45 days. BANK TRANSFERS Please be aware that bank transfers made before 1PM ET can take up to an estimated 2 business days to process and appear in the destination bank account. Bank transfers made after 1PM ET will take up to an estimated 3 business days to process and appear in your destination bank account. Need your money sooner? Visit an ATM to withdraw your cash and deposit it into your bank account the same day. RESTRICTIONS Please note, you can only load your Instant card through wages, tips, or reimbursements received from your employer. SUPPORT • FAQ: https://instant.zendesk.com/hc/en-us • Chat Support: Tap on the menu icon, tap on “Help”, and tap on “Chat With Support” • Email Support: [email protected] • Phone Support: Call the number on the back of your card
Top Reviews
By Whalesfood
Requirement :)
My company requires it for pay from tips, but it’s really good at what it does. Nice app. Card looks nice. Tbh I don’t remember if I set up a PIN when I made it but once a cash register asked for it after a swiped so I paid with my Bank Card. Yeah idk what to do about the PIN thing but besides that it’s great. And honestly, as for using it as a checking account, it works better than my actual bank. (Yeah Instant doesn’t have interest but a checking account’s interest is already so small idc.) My actual bank app is so bad (I think a lot of banks don’t have great apps) so it’s refreshing to have a working app that shows me money
By genbolanos
Easy and straightforward.
My money always reaches me the moment my employers distribute it, which is every night after we close. So no complaints there. I never tried to transfer funds because I see no reason to since I don’t mind having an extra card. I don’t understand the complaints being given. All transfers take a couple days. Also, if you aren’t getting your tips the days you work then talk to your employer and make sure it’s not on their end. Like I mentioned, I always receive mine at the end of the night and there hasn’t been a delay. Overall, the app is simple.
By Reviewman8
Helpful
I wasn’t sure how well this app would work at first but everything runs smoothly. It’s great, and exactly how the person who gave it to me said it would work. The only problem I’d say I have is the bank transfer part. It took me a couple tries to get the app to accept my banking info. At first I thought maybe I’d inserted the information wrong and it was a user error, but I guess it just needed a couple tries to be able to confirm my account info?? Anyways besides that I’ve never had a problem taking money out or using the card. Thanks!!
