# ImmediatePay vs myFlexPay (powered by Stream)

The clearest difference is monetization model: ImmediatePay at free against myFlexPay (powered by Stream)'s free with in-app purchases. ImmediatePay also leads on review sentiment (56% vs 34%). myFlexPay (powered by Stream)'s advantage is update cadence (weekly vs every 3 weeks). On price, rating, ratings volume and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.9 for ImmediatePay against 4.9 for myFlexPay (powered by Stream). Both are backed by a comparable volume of ratings — 7.9K and 8.4K respectively. Written reviews are what separate them: 56% of ImmediatePay's written reviews are positive against 34% of myFlexPay (powered by Stream)'s.

ImmediatePay ships an update every 3 weeks, myFlexPay (powered by Stream) weekly. Both last shipped on October 16, 2026.

## The numbers

| Metric | ImmediatePay | myFlexPay (powered by Stream) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (7.9K ratings)](https://appshunter.io/ios/app/immediatepay/id1469028887/reviews) | [4.9 (8.4K ratings)](https://appshunter.io/ios/app/myflexpay-powered-by-stream/id1501683123/reviews) |
| Number of ratings | 7.9K | **8.4K** |
| Positive reviews | **56.3% of reviews** | 33.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Weekly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 74 MB | 58 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Immediate Solutions](https://appshunter.io/developer/1469028886) | [Stream Platforms, Inc.](https://appshunter.io/developer/1532222758) |

## What reviewers say

### ImmediatePay

[App page](https://appshunter.io/ios/app/immediatepay/id1469028887)

Access a portion of your earned wages before your next payday. This app connects with employers to let you transfer funds instantly after your workday. It also provides financial wellness tools, including coaching, educational resources, and prescription savings.

**Highlights:** Access earned wages between paydays, Instant fund transfers, Financial wellness tools, Expert financial coaching, Financial health assessments, Educational articles and calculators, Prescription savings

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Efficient and fast
- 💡 Convenient and helpful
- 👍 User-friendly interface
- 🚀 Immediate access to funds

**What reviewers complain about**

- 🐛 Processing issues
- 🐛 Delayed payouts
- 🐛 Unreliable customer service
- 🐛 Difficult to use

**Reported bugs**

- Login issues
- Inconsistent fund availability
- Debit card registration problems

**Requested features**

- Faster payouts
- Improved customer support
- Clearer communication on processing times


### myFlexPay (powered by Stream)

[App page](https://appshunter.io/ios/app/myflexpay-powered-by-stream/id1501683123)

Access your earned wages instantly, avoiding traditional payday waits. This app helps you save, budget, and manage your money with smart tools and personalized guidance. It partners with employers to provide flexible pay options and financial well-being.

**Highlights:** Access earned wages anytime, Real-time earnings tracking, High-interest savings accounts, Consolidated spending insights, Exclusive discounts, AI money coach

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💳 Convenient
- ⚡ Easy
- 💰 Instant funds transfer
- 🙌 Life changer

**What reviewers complain about**

- 🐛 App crashes/bugs
- ⚠️ Inconsistent performance
- 🚫 No customer service
- 🕰️ Delayed shift/pay updates
- 💳 Issues with card/account setup

**Reported bugs**

- Login/account creation issues
- Shift/pay updates not working
- Funds availability problems
- Glitches with in-app features

**Requested features**

- Standard/next-day transfer option
- Improved customer support
- Overtime pay calculation
- Savings account integration


## Frequently asked questions

### Is ImmediatePay free?

ImmediatePay is free to download, with no in-app purchases.

### Is myFlexPay (powered by Stream) free?

myFlexPay (powered by Stream) is free to download, with no in-app purchases.

### Which has better reviews, ImmediatePay or myFlexPay (powered by Stream)?

ImmediatePay and myFlexPay (powered by Stream) are both rated 4.9 out of 5 on the App Store, from 7.9K and 8.4K ratings respectively.

### Do ImmediatePay or myFlexPay (powered by Stream) have ads?

Neither ImmediatePay nor myFlexPay (powered by Stream) shows ads.

### Which is updated more often, ImmediatePay or myFlexPay (powered by Stream)?

ImmediatePay ships an update every 3 weeks, and myFlexPay (powered by Stream) weekly. Most recently, ImmediatePay was updated on October 16, 2026 and myFlexPay (powered by Stream) on October 16, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*