# Paytime: Earned Wage Access — Financial and Mental Wellbeing > Instant access to earned wages, fostering financial resilience and eliminating debt. (iPhone/iPad app by Paytime Holdings Pty Ltd.) - Source: https://appshunter.io/ios/app/paytime-earned-wage-access/id1556628905 (this page in markdown: same URL + `.md`) - Developer: [Paytime Holdings Pty Ltd](https://appshunter.io/developer/1556629147) - Category: Finance - Price: Free - Rating: 3.68/5 from 53 App Store ratings · 20 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 55 MB - Languages: American English - Released: 2021-05-10 - Data updated: 2026-08-25 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/paytime-earned-wage-access/id1556628905/reviews.md ## What is Paytime? Work today, Paid today! A 21st Century wage payments revolution We are here to create a fairer, brighter, financial reality. Eliminate the ‘wait for pay day’. Build financial resilience during emergencies. End overdraft and late payment fees. Wipe out payday loans. ## Key features - Instant wage access - Financial resilience building - Overdraft fee elimination - Payday loan avoidance - Fairer financial reality ## Recent user reviews (10 of 20) All indexed reviews: https://appshunter.io/ios/app/paytime-earned-wage-access/id1556628905/reviews.md ### 1/5 — Scammers *2026-04-19, version 1.75* Yep I’ve tried applying with these guys twice. And twice I’ve paid $5 for the application fee. And twice I have been refused with no refund. Scammed $10. ### 5/5 — Amazing! *2025-09-15, version 1.70* Wonderful! ### 5/5 — Paytime *2025-01-17, version 1.65* Incredibly beneficial and convenient way to stay on top of finances. Staff are very supportive and quick to help when needed. ### 5/5 — Stan *2024-12-13* Excellent App. Incredibly helpful and proactive. ### 5/5 — Incredible app *2021-10-08, version 1.6* Very helpful specially for teachers like me. ### 5/5 — perfect app *2021-09-09, version 1.5* the perfect app to manage my finances. ### 5/5 — Simplicity at its finest *2021-09-01, version 1.4* Super simple, quick setup and overall an intuitive app ### 5/5 — Very helpful *2021-08-24, version 1.3* Very helpful! I no longer have to live paycheck to paycheck. Thanks Paytime! ### 1/5 — Don’t bother. Need employer register lol *2021-08-19, version 1.3* Yeah the other apps are a lot better. ### 5/5 — Very satisfied *2021-08-11, version 1.3* Its always fast and easy, i don't know what I will do without Paytime. ## Frequently asked questions about Paytime ### How does Paytime work? Paytime allows you to access a portion of your earned wages before your official payday. This helps you manage unexpected expenses and build financial resilience without incurring late fees or high-interest loans. ### What are the benefits of using Paytime? Users can eliminate the stress of waiting for payday, avoid overdraft and late payment fees, and steer clear of expensive payday loans. It aims to create a more stable financial reality for its users. ### Is Paytime secure? While specific security protocols are not detailed, financial applications like Paytime typically employ industry-standard encryption and security measures to protect user data and financial information. ### What devices does Paytime support? Paytime is available on iPhone, iPad, and iPod devices, indicating compatibility with Apple's iOS ecosystem. ### When was Paytime last updated? The latest version of Paytime was released on June 5, 2024, suggesting regular updates and ongoing development. ### What is the age rating for Paytime? Paytime has an age rating of 4+, making it suitable for a wide range of users, though its financial services are intended for adults. ### Does Paytime have any fees? The app is listed as 'Free,' suggesting there are no upfront costs to download or use the basic earned wage access features. Specific transaction or service fees, if any, would typically be detailed within the app. ### How does Paytime compare to traditional payday loans? Unlike payday loans which often carry high interest rates and can lead to debt cycles, Paytime provides access to wages already earned, aiming to prevent the need for such loans and their associated financial burdens. ## Version history (last 5 releases) ### 1.80 — 2026-08-24 Bug Fix ### 1.79 — 2026-08-19 Bug Fix ### 1.78 — 2026-08-03 Bug Fix ### 1.77 — 2026-07-22 Bug Fix ### 1.76 — 2026-06-17 Bug Fix ## Apps similar to Paytime | App | Rating | Price | Category | | --- | --- | --- | --- | | [Click Loans](https://appshunter.io/ios/app/click-loans/id1250711408) | — | Free | Finance | | [Firstmac Money](https://appshunter.io/ios/app/firstmac-money/id1321193846) | — | Free | Finance | | [Smart Money](https://appshunter.io/ios/app/smart-money/id1325912110) | 5.0 (1) | Free | Finance | | [PayPilot: Early Wage Access](https://appshunter.io/ios/app/paypilot-early-wage-access/id1604780661) | 3.2 (6) | Free | Finance | | [IOUcash](https://appshunter.io/ios/app/ioucash/id1616775046) | 1.5 (6) | Free | Finance | | [Wagetap: Instant Cash Advance](https://appshunter.io/ios/app/wagetap-instant-cash-advance/id1513517219) | 4.9 (15,655) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-25.*