Debit and Alternative Products

Order Form

    This individual Report On-Demand Earned Wage Access: U.S. Vendor Comparison is available for purchase. This Report is available to members of Mercator Advisory Group’s Debit and Alternative Products Advisory Service. Please be advised that this Report is normally part of a research and advisory service that provides ongoing support throughout the year. As such, this Report contains significant depth of content that is selected for its strategic importance to our members. (For a description of these services, see our Advisory Services section).

    While the Report represents significant analyst time invested, there is no means of our ascertaining if it will fully meet your specific intended purposes. Typically, these Reports form the basis for future discussions with our clients where we are able to fine-tune additional information that we have gathered in the construction of the series of Reports (or locate new information rapidly due to our exclusive focus on gathering information in the payments industry) for specific member needs.

    Unfortunately, in fairness to our paying members, we are not able to offer this level of support for a single Report purchase. We will, however, credit any Research Document purchase against the future purchase price of the service should you become a member within 30 days of purchasing the document.

    The price for individual Report purchases is $2950 per document. 


    Use the form below to request this individual Report purchase or

    Click here for a fax-back order form




On-Demand Earned Wage Access: U.S. Vendor Comparison

Wage access providers are helping workers control when they get paid.

Mercator Advisory Group releases new research reviewing the providers and the market for on demand earned wage access products.

A new industry within the financial wellness market provides employees with access to wages that they have already earned but have not yet received through the traditional employer payroll cycle. Workers can request to receive a portion of their pay before payday in order to be able to pay their bills on time and avoid high-cost financing options like overdrafts, credit cards, and payday loans. By offering the option of getting paid more frequently, employers can both attract new employees and retain current employees, which saves the expense of recruiting, onboarding, and training new workers.

Mercator Advisory Group’s latest research report, On-Demand Earned Wage Access: U.S. Vendor Comparison, examines market providers of services delivered as part of employers’ benefits and also at solutions that operate as a direct-to-consumer model.

“This is a rapidly growing corner of the payments industry that has the potential to alter the way workers think about getting paid,” commented Sarah Grotta, Director, Debit and Alternative Payment Products Advisory Service, and author of the report. The solutions reviewed in this report are focused on helping lower wage workers who often face income insecurity and financial hardships. However, as the industry matures, higher-income individuals may also have an interest in getting paid based on their needs rather than a calendar date.”

This report is 27 pages long and has 7 exhibits.

Companies and other organizations mentioned in this report include: Acrisure, Blue Yonder, Branch, DailyPay, Dave, Delaget, Earnin, Evolve Bank and Trust, FlexWage, Instant Financial, Kronos, Mastercard, PayActiv, The Clearing House (TCH), and Visa.

Highlights of the report include:

  • The current market drivers for on-demand earned wage access

  • How earned wage access and earned wage advance products function

  • Sizing of the current market for this service

  • Current regulatory considerations

  • Reviews of seven providers, each including a company overview and a product review

  • Advice for buyers and providers of these services