Best Ach Pay Apps

Melio Business Payments

A simpler way to pay vendors

Free

This platform simplifies business payments and collections, offering flexibility in how you pay vendors and get paid by clients. Manage bills, send invoices, and track payments all from your mobile device.

GO2bank: Mobile banking

Online checking and savings

Free

This mobile banking app simplifies money management with features like early direct deposit, high-yield savings, and overdraft protection. It offers transparent banking with no hidden fees and tools to build credit. Secure and convenient access to funds nationwide.

Earnifi: Early Pay. Fast Money

Up to $500, Early Wage Access

Free

Access your earned wages early to cover expenses like rent and bills. This app offers a fast and transparent alternative to high-interest payday loans, with no credit checks or hidden fees.

Rain Instant Pay

Unlock your employer benefits!

Free

Access your earned wages and employer benefits instantly, anytime. Track your earnings, gain financial insights, and utilize a full suite of financial tools. Manage your money on your terms with secure, on-demand access.

Afterpay: Pay over time

Shop Now. Split your payments.

Free

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

Payactiv

On-demand pay and beyond

Free

Access your earned wages before payday, pay bills on time, and manage unexpected expenses with user-friendly digital tools. This app helps you achieve financial stability and reach your financial wellness goals without predatory loans or interest.

rapid! Pay

rapid! Access PayCard OnDemand

Free

Access your PayCard and on-demand earnings instantly. Manage your accounts, transfer funds, deposit checks remotely, and pay bills. Earn cash back rewards and find nearby ATMs.

PayPal - Pay, Send, Save

Debit card, rewards, pay later

Free

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

ONE@Work (formerly Even)

Your Pay, Your Way

Free

Access your earned wages before payday, track your income, and set up automatic savings. This app helps you manage your finances by providing tools to budget and understand your pay.

Zip - Buy Now, Pay Later

Shop Now & Pay Over Time

Free

Split purchases into 4 or 8 interest-free installments, paid bi-weekly. Use online or in-store with a virtual or physical card. Earn cashback and potentially increase spending power with on-time payments.

Deferit: Pay bills in 4

Buy now pay later for bills

Free

Manage your bills and budget with flexibility. This app allows you to pay almost any service bill in four smaller installments with no interest. It also helps you save money by negotiating better deals with providers and builds your credit history by reporting on-time payments.

ADP Mobile Solutions

HR for Employees & Managers

Free

Access payroll, time, benefits, and HR information for yourself and your team. Track time, view pay statements, manage time off, and connect with colleagues. Managers can approve requests and view team calendars.

Paycor Mobile

by Paycor, Inc.

Free

Access payroll, time tracking, and HR functions from your mobile device. View pay stubs, manage time cards, request time off, and access company information. Managers can approve requests and manage employee time.

Dayforce Wallet: On-demand Pay

Get paid as you earn.

Free

Access your earned wages before payday with this app. Manage finances, set savings goals, and track spending all in one place. Transfer funds to a debit card for purchases or withdrawals, with no fees for on-demand pay.

ZayZoon - Wages On-Demand

Benefit for Eligible Employees

Free

Access your earned wages instantly, any day of the week, to avoid late fees and payday loans. This app offers financial wellness tools like overdraft prediction and educational resources. It also provides options for increased spending power on gift cards for essentials.

Papaya: Securely Pay Any Bill

Fast & Secure Bill Payments

Free

This app offers a streamlined and secure method for paying all your bills, eliminating the need for multiple logins or mailing checks. It utilizes advanced technology to process payments quickly and efficiently, supporting various payment methods for a wide range of bill types.