Best Swatch Pay Apps

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.

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.

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.

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.

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.

FastPay Wallet

Secured & Most Convenient

Free

Manage your finances with a secure and convenient mobile money app. Easily register, add funds, and perform transactions like mobile recharges, QR payments, and money transfers. Discover local offers and access transaction history.

Paid Keeper - Same Day Pay

Your money, when you need it

Free

Access your earned wages instantly, eliminating the wait for payday. This app provides early access to your income when you need it most.

DailyPay On-Demand Pay

Your money, when you need it!

Free

Access your earned wages instantly, monitor your credit score, and build savings with automated tools. This app also offers curated deals and cash back on everyday purchases, all while providing 24/7 customer support.

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.

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.

OTT PAY

Access your account on the go

Free

Access real-time business insights, including transactions and payment generation, from your mobile device. This app facilitates QR code payments for Alipay, WeChat Pay, and UnionPay, with capabilities for refunds and user access management.

JCPenney – Shopping & Coupons

Shop clothes, shoes & bedding

Free

Shop for a wide variety of clothing, shoes, jewelry, and home goods with access to deals and coupons. Features include in-app purchasing with in-store pickup options, price checking, and personalized fit recommendations. Manage your JCPenney credit card and save favorite items for later.

UpCheck: Hours & Pay

Time & Pay Tracking

Free

Easily track your work hours and estimate your paycheck. This app supports various pay rates, overtime, and time-off tracking. Generate PDF reports and manage multiple people's time with a clear visual calendar.

Earnifi: Early Pay. Fast Money

Up to $500, Early Wage Access

Free

$0.99 | 100% OFF

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.