ImmediatePay vs Paid Keeper
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ImmediatePay
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.
- Access earned wages between paydays
- Instant fund transfers
- Financial wellness tools
- Expert financial coaching
- Financial health assessments
- Educational articles and calculators
- Prescription savings
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Access the Pay You’ve Earned When You Need It Most We partner with employers to offer access to earned pay between paydays and our pay card solutions. How ImmediatePay Works Your earned pay is available to access after you finish your workday, thanks to time tracking and payroll connections with Immediate. Simply choose the amount you’d like to transfer, select where to send the funds, and confirm the details. It’s that simple—you’ve just been paid! Financial Wellness Tools Whether you’re looking to manage your expenses better, start saving for a financial goal, or build healthier habits, ImmediatePay gives you access to tools that can help improve your overall financial wellness. Financial Coaching: Do you have specific questions about your finances? As an enrolled user, you can access real-time financial coaching from our experts. Whether you need advice on saving for an emergency fund or improving your credit score, we’re here to help guide you! Financial Surveys: Take charge of your financial health with tools like the FinHealth Score® from the Financial Health Network. Assess spending, saving, borrowing, and planning behaviors to make smarter decisions to improve your financial well-being. Financial Education: Access hundreds of financial education articles and financial wellness calculators. Whether you’re just starting out or working toward long-term goals, these resources will help you make informed decisions no matter where you are in your financial journey. Prescription Savings: Save big on prescriptions for you and your family with up to 80% savings on medications at over 65,000+ pharmacies nationwide. Get Started with ImmediatePay Today ImmediatePay is offered through participating employers as a financial wellness benefit. If your workplace doesn’t have it yet, ask your employer to consider offering ImmediatePay so you can access the pay you’ve earned when you need it most.
Paid Keeper
Access your earned wages instantly, eliminating the wait for payday. This app provides early access to your income when you need it most.
- Instant pay access
- Early wage withdrawal
- On-demand income
- Eliminate payday wait
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Can't wait to get paid? Why wait? Get paid instantly, early, and whenever you need it most! Use the Keeper app!
Screenshots
Verdict
ImmediatePay and Paid Keeper both sit at 4.9 stars, but that hides the real split: 55% of ImmediatePay's written reviews are positive against 30% of Paid Keeper's. Paid Keeper's advantage is update cadence (every 2 weeks vs every 3 weeks). On price, rating, ratings volume and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
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 4.8 for Paid Keeper. Both are backed by a comparable volume of ratings — 8K and 6.6K respectively. Written reviews are what separate them: 55% of ImmediatePay's written reviews are positive against 30% of Paid Keeper's.
ImmediatePay ships an update every 3 weeks, Paid Keeper every 2 weeks. Both last shipped on November 3, 2026.
| Parameter | ImmediatePay | Paid Keeper |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (8K ratings) — better | 4.8 (6.6K ratings) |
| Positive reviews | 55.4% of reviews — better | 29.9% of reviews |
| Number of ratings | 8K — better | 6.6K |
| Update frequency | Every 3 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.6 — better | 16.0 |
| Further details — not scored | ||
| Size | 74 MB | 92 MB |
| Age rating | 4+ | 4+ |
| Developer | Immediate Solutions | Paid Keeper Inc. |
Customer experience
ImmediatePay
Paid Keeper
User reviews
ImmediatePay
From 8K App Store ratingsWhat we love
- 🚀 Efficient and fast
- 💡 Convenient and helpful
- 👍 User-friendly interface
- 🚀 Immediate access to funds
Room to improve
- 🐛 Processing issues
- 🐛 Delayed payouts
- 🐛 Unreliable customer service
- 🐛 Difficult to use
Paid Keeper
From 6.6K App Store ratingsWhat we love
- 🚀 Instant access to earnings
- 👍 Convenient and easy to use
- 💰 Helpful for financial emergencies
Room to improve
- 🐛 Frequent technical issues
- 💸 High fees for cash-outs
- 🔒 Difficulty linking bank accounts
- 🤖 Poor customer service
Bugs and requests
ImmediatePay
Reported bugs
3 issues- Login issues
- Inconsistent fund availability
- Debit card registration problems
Requested features
3 requests- Faster payouts
- Improved customer support
- Clearer communication on processing times
Paid Keeper
Reported bugs
3 issues- App crashes or freezes
- Account balances not updating correctly
- Cash-out requests failing without explanation
Requested features
3 requests- Increase cash-out limit
- Improve account linking process
- Provide better communication on app updates and downtime
In-app purchases
ImmediatePay
No in-app purchases
Paid Keeper
No in-app purchases
