How long does earned wage access (InstaPay) take to process?

Important

InstaPay is rebranding to earned wage access. You may see both names used over the next couple of weeks as we change the name in the app and online.

If you have requested earned wage access, there are several factors that might influence the processing time, such as in which account you receive your earned wage access funds. If you request your earned wage access funds during standard business hours, and if you have already received a previous transfer. 

Payment Time Estimate Swag Spend Account Big 4 Banks Non-Big 4 Banks
Banking hours: 9am-5pm Monday-Friday Instantly Instantly Instantly
Non-banking hours: Anytime after 5pm and weekends Instantly Instantly Instantly

If your earned wage funds are taking longer than stated above to process, get in touch with Swag Support.

Still need help?

Submit a ticket to our support team.

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